Support at Home is the Australian Government’s program designed to help older Australians remain in their own homes while receiving funded care and services. This may include help with personal care, cleaning, meals, nursing support or home modifications. It replaced the previous Home Care Packages Program and Short-Term Restorative Care Programme in November 2025 and is designed to be more flexible and responsive to individual needs.

Like many government programs, Support at Home can be difficult to navigate. Assessments, approved providers, service categories and your rights as a recipient can all feel confusing, particularly when families are already dealing with health concerns or other pressures.

Our highly educated financial advisers help simplify the process. We explain exactly how the program works, what you are entitled to and what steps are involved, so you can focus on what matters most.

Support at Home is subsidised by the federal government, but some recipients may be asked to contribute to the cost of their care depending on their financial circumstances. Understanding how those contributions are calculated is an important part of planning ahead.

As your aged care financial advisers, we explain how means testing applies to your situation, what contribution categories exist and how different assets and income streams may affect what you pay. We work through the numbers with you so there are no surprises.

Support at Home funding can be used for a wide range of services, from personal care and nursing support to domestic assistance, social activities and home modifications. Knowing which services will make the greatest difference to your daily life, and which providers deliver quality care, is not always straightforward.

We help you think through your options. While we do not make medical decisions, our home care financial advice helps you understand how your funding can be used effectively so you get real value from the support available.

Home care costs do not sit on their own. They interact with your superannuation, investments, Centrelink entitlements, estate planning and overall retirement strategy. Changes in one area can affect another.

Our aged care financial planning approach looks at your overall financial goals. Whether you are drawing on retirement savings, managing an investment property or reviewing your pension entitlements, we help you make decisions that support both your care needs and your long-term financial security.

Care needs rarely stay the same. What works today may look different a few years down the road. Thinking ahead, including planning for a possible move to residential care later on, gives you and your family more flexibility when decisions need to be made.

We help you consider possible scenarios, understand the financial implications of each and put structures in place that can adapt as your circumstances change. Good aged care financial advice looks beyond today’s situation and prepares you for what may come next.

Decisions about home care are rarely made alone. Family members, particularly adult children who may be providing support, often have important roles to play and can find the system overwhelming.

We welcome family members into the conversation. We can explain the Support at Home program, help families understand your financial position and care options, and make sure that everyone involved feels informed and comfortable with the decisions being made.

Our goal is to reduce stress for the whole family, not just the person receiving care.

Our relationship with clients does not end once an initial plan is in place. We continue to provide aged care financial advice and review arrangements over time to make sure they still suit your needs and remain cost-effective.

As the Support at Home program evolves and your own circumstances change, we keep you informed and help you adjust your approach. You will always have someone to call if you have questions, and a team that understands your situation and goals.