When you come to Later Life Advice to discuss the financial side of aged care, we will start with an apology.
We will apologise for moving quickly along from a whole range of aged care related issues, like the logistical challenges of moving someone from their home to an aged care facility, the emotional upheaval, choosing a facility and all the opinions and views of family members that need to be taken into account.
It’s not because we don’t want to talk about these things, it is just that we want to help the best way we can - and that is with the numbers.
And that is where we will apologise again, mostly about appearing direct when discussing financial scenarios around somebody very important to you as they move through these final stages of life. We need to be direct to be effective.
We apologise because we want to deliver help to you in the most efficient and effective way we can.
We want our clients to have a complete set of information, covering a range of scenarios, so they can make the best financial decisions. With the financial side covered, our clients can have more time to focus on all the other challenges associated with moving a loved one to residential aged care - like the issues we didn't spend much time talking about in the first place.
So while we apologise before explaining the implications in keeping, selling or renting out the home, or the complexities and implications of timing assets sales within a lifetime, or ways to get the maximum levels of government support, we are really just trying to help.
We may also be direct about how we view the advice you may get from well meaning friends and people through the admissions process, as well as cast a critical eye over the kind of support you may (or may not) be getting from your accountant, financial planner or lawyer.
We apologise because we want to be as effective as we can in dealing with the financial issues of a transition to residential aged care - because we want our clients to get that part right, and quickly.
And we do not apologise for that.