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The finances are hard So you want peace of mind.

Sydney Aged Care Financial Advisers are the experienced caring team of finance professionals you are looking for.
Sydney Aged Care Financial Advisers (SACFA) is a corporate authorised representative of Harbour Financial Group Pty Ltd ABN 86 632 080 838, AFSL 515518.

WHO WE ARE

Sydney Aged Care Financial Advisers are the experienced caring team of finance professionals you are looking for.

We pride ourselves on providing fast, cost-effective advice that makes a real difference to people’s lives.

Entry into aged care can be a challenging time for both the person and their family. The finances are notoriously complex with possible implications for:

  • cash flow
  • keeping or selling the family home
  • aged care facility fees
  • aged pension
  • investment income
  • land tax, capital gains tax and income tax 
  • intergenerational wealth transfer

Most financial planners and accountants have only a limited understanding of aged care financial advice. Even they often find it overwhelming. It is very much a ‘niche’ that demands full attention and hands-on experience.

Sydney Aged Care Financial Advisers are your aged care financial specialists.

Your loved one’s aged care needs are the sole focus of our advice process. Our experience tells us there are 3 core elements to aged care advice:

1 Funding the accommodation bond efficiently

2 Retaining or maximizing any aged pension entitlements

3 Minimizing, as far as possible, fees payable to the aged care facility

We are committed to ensuring our clients receive quality personalized advice so we can eliminate the financial stress that comes with this often complex family decision.

Meet the Team

Phillip Reid

Partner & Senior Financial Planner

Phil is a qualified adviser with over 20 years’ experience in banking, financial services and financial planning. He has been a financial adviser since 2000, working for Westpac Financial Planning, Genesys Wealth Advisers, BT Select prior to launching Harbour Financial Group in July 2019. Phil has specialised in aged care since 2010. Phil’s favourite part of his work is to help ease the administrative burden on family members experiencing the aged care journey for the first time

Michael Johnson

Partner & Senior Financial Planner

Michael has been a financial adviser at Sydney Aged Care and BSR Financial Advisers since December 2009. Michael has focused his attention on the specialist area of aged care financial advice. He believes it is an area that is under represented by advisers but provides a lot of value to his clients and the community.

"My role is to get the best financial outcome so the family can concentrate on what is most important: giving emotional support to their loved one." - Phillip

"I love creating strategies that save people money. By minimising age care fees and maximising any pension entitlements, we can help stop the financial stress. " - Mike

Make An Appointment Today

We believe in listening.
Your situation is unique and we need to understand it. We will ask a lot of questions as part of our research so the advice we provide can deliver the best financial outcome for you.

We believe in results.
We will provide you with a range of financial options so you and your family are empowered to make an informed decision.

We believe in transparency.
Our advice documents are accessible and easy to understand. Our fees are fully disclosed.

We believe in value.
Our advice is tailored for you and your loved one to deliver better choices and a clear path for the journey ahead.

This is what we strive for every day, with every client. And what we undertake to deliver for you too.

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