Specialist Aged Care Advice
When someone you care about begins to need more support, it’s natural to feel unsure about where to begin. Sometimes the journey into aged care unfolds gradually, while other times a sudden health event means decisions must be made quickly. In either case, it’s completely understandable to feel overwhelmed. Knowing what steps to take and how to ensure a smooth transition can make all the difference during this important phase of life.
Whatever your situation, we’re here to help.
Financial Guidance You Can Trust
One of the most challenging aspects is understanding the financial side of aged care. From navigating government support to estimating costs and choosing the right care options, there’s a lot to consider—and it’s easy to feel lost.
That’s where we come in.
We specialise in simplifying aged care financial planning. Our goal isn’t just to provide expert advice—it’s to empower families to make confident, informed decisions. We guide you through the financial landscape of aged care, helping you understand what support is available, what costs to expect, and how to structure finances to ensure your loved one transitions with dignity and peace of mind.
No jargon. No surprises. Just clear, compassionate guidance tailored to your family’s needs
Why Seek Aged Care Advice?
Seeking advice when you or your loved one enters aged care will help you understand the process, and alleviate stress at this difficult time.
We can hold meetings at our office, online or at a location convenient for you, and provide the information in a way that’s easy to understand so you’re equipped to make an informed decision.
No matter what stage of the process you’re in, it’s never too early or late to get advice.
Empowering Your Aged Care Journey
Aged Care Essentials Consultation
Your first step.
This personalised consultation helps you or your loved one begin the aged care journey with clarity. We explain how aged care works, outline care options, and provide an initial overview of costs and government support.
Family Meetings
Collaborative decision-making.
We bring families together to review financial strategies, discuss care preferences, and ensure everyone is informed and aligned before moving forward.
Facility Negotiation & Contract Review
Advocating for your best outcome.
We liaise with aged care facilities to negotiate the Refundable Accommodation Deposit (RAD) and daily service fees where possible. We also review contracts to ensure accuracy and transparency. Please note we are not legal advisers and advice should be sort from a legal professional before entering into any contracts.
Financial Strategy & Modelling
Clarity through comparison.
Understanding how different funding options affect fees and cashflow over time can be complex. Our
Strategy Paper simplifies this by comparing scenarios over a 5–10 year period, helping you make informed choices.
Comprehensive Financial Plan
Tailored to your priorities.
Megan works closely with you to develop a personalised financial plan called a Statement of Advice that aligns with your goals, maximises entitlements, and ensures long-term affordability.
Centrelink Support Services
Guidance through the process.
We assist with Centrelink forms and explain how means testing affects aged care fees. Our support ensures your records are accurate and your entitlements are optimised.
Ongoing Assistance
Support beyond placement.
Our relationship doesn’t end once your loved one enters care. We remain available to:
- Answer questions
- Review facility invoices
- Provide updates as financial circumstances change
Megan McGrath
Aged Care Specialist
In 2014, Megan launched Generations Aged Care Advice to meet the growing need for specialised guidance in aged care funding. Today, she is recognised as the leading Aged Care Specialist in the Albury Wodonga region, known for her deep knowledge, down-to-earth approach, and genuine care for her clients.
Megan’s advice is always tailored and wholistic. She works closely with other trusted professionals to ensure every strategy is well-rounded and aligned with her clients’ unique needs.
When your ready to start navigating aged care options or understanding Centrelink/DVA entitlements. Megan provides clarity every step of the way. Supported by a friendly and knowledgeable team, she ensures the transition into aged care is as smooth and stress-free as possible.
Megan’s clients appreciate her empathy, her attention to detail, and her ability to turn uncertainty into peace of mind.