25 Years of Specialist Expertise

Residential Aged Care, Solved.

Free technology for every Australian over 67. Specialist advisory for families navigating residential care.

Advisory Service High-Touch

Aged care now?
We've navigated this 500+ times.

When a parent needs residential care, families face a wall of complexity — RADs, DAPs, means-tested fees, home retention strategy. Our specialist advisory service handles the entire financial model, from initial assessment through to ongoing invoice verification.

Comprehensive modelling
Family meetings
RAD vs DAP analysis
Ongoing support
Learn About Our Service

$3,960  fixed fee · No hidden costs

Free Later Life App Self-Service

Not at the aged care stage yet?
Start with the free toolkit.

Map your full position — Age Pension, tax offsets, concessions, care eligibility — in minutes. When the time comes for residential care, your profile is ready and our advisory team can take it from there.

App Feature
Later Life Details
Later Life App Screen
Free

· iPhone & Web · No subscription

Download on the App Store Launch Web App

Need aged care advice now?  We've helped over 500 Australian families navigate residential care. Our service →

10 questions answered

Enter one profile. Our technology applies every relevant rule across aged care, pension entitlements, concessions, tax offsets, and home equity — simultaneously.

40+ rules and thresholds calculated
  • 1
    How much Age Pension can I get? 8 rules
    Age Pension Income Test Assets Test Deeming Rate Income Free Area Assets Free Area Pension Supplement Part Pension Taper
  • 2
    What concessions should I apply for? 6 rules
    Pensioner Concession Card Commonwealth Seniors Health Card Utility Concessions Transport Help Council Rate Rebate State Seniors Card
  • 3
    What is my Medicare Safety Net support? 4 rules
    Medicare Safety Net Extended Safety Net Out-of-Pocket Threshold Bulk Billing Incentive
  • 4
    What is my PBS Safety Net support? 4 rules
    Pharmaceutical Benefit Scheme PBS Safety Net Threshold Concessional Co-Payment General Co-Payment
  • 5
    How much can I earn before impacting my Age Pension? 4 rules
    Work Bonus ($300/fn) Safe Income Zone Income Taper (50¢/$1) Employment Income
  • 6
    How does SAPTO reduce my tax? 5 rules
    SAPTO Rebate Income Threshold Low Income Tax Offset Tax-Free Threshold Medicare Levy Reduction
  • 7
    How much can I borrow against my home using cheap government money? 5 rules
    Home Equity Access Scheme Capital Limit Formula Cash Flow Limit Age Component Amount Equity Erosion
  • 8
    What is my downsizer maths? 5 rules
    Downsizer Contribution $300k Cap Per Person Post-65 Super Boost 12-Month Ownership Rule Centrelink Asset Impact
  • 9
    How am I assessed to contribute for Support at Home? 6 rules
    Support at Home Independence Contribution % Everyday Living Contribution % Clinical Contribution (Zero) Means-Tested Amount Annual Unsubsidised Cap
  • 10
    How am I assessed to contribute for Residential Aged Care? 8 rules
    Residential Aged Care Means-Tested Care Fee Basic Daily Fee (85% Pension) Refundable Accommodation Deposit Daily Accommodation Payment MPIR (8.38%) Annual Cap ($35,109) Lifetime Cap ($70,219)

Tap a question to see the rules behind it.

From Age Pension to Aged Care:
The free toolkit to manage the system.

Simply provide a basic profile, and our technology instantly applies every relevant rule to show exactly how the system treats your parents' specific situation.

You stop researching. The logic takes over.

Income, Work & Equity

  • Age Pension
  • Safe Income Zone
  • Home Equity Access Scheme
  • Downsizer Maths

Navigating Care

  • Support at Home
  • Residential Aged Care

Healthcare & Everyday Subsidies

  • Pensioner Concession Card
  • Commonwealth Seniors Health Card
  • Save on Doctor Appointments
  • Save on Medicines
  • Utility/Transport Savings
The Aged Care Journey

Aged care is a wall of complexity.
Solved.

We solve the financial puzzles of later life where 25 years of specialist experience meets our modern logic technology. Don't guess. Run your numbers.

PREVIEW FOR

Dad

CLASSIFICATION

Level 4

QUARTERLY BUDGET

$7,322.40

PRIORITY

MEDIUM

CONTRIBUTION

Independence: 30%

Everyday Living: 53%

Clinical Care: 0%

56%

OF MAX MEANS-TESTED

Personal Care
min 1h

$110

per hour

Med $100
$110
$85$115

You pay: $33

30%
Registered Nurse
min 1h

$180

per hour

Med $160
$180
$144$186
Domestic Assistance
min 1h

$110

per hour

Med $95
$110
$83$109

You pay: $58

53%
Download on the App Store

Free to use. No subscription. No credit card.

Brendan Ryan

25 Years of Experience + New Technology

Up until now, the core of my work has been manually mapping pathways through endless government rules, thresholds, and changes. I envisioned a tool that could absorb this complexity—and by matching my experience with modern technology, I have finally built it.

When aged care enters the equation, children are often called upon to support their parents. They are met with a wall of complexity that must be addressed; otherwise, entitlements are left on the table, wrong decisions are made, and stress levels escalate.

We now have the technology to solve the math and rule complexity, and the expertise to offer genuine guidance. I am excited to help families move through these transitions feeling confident and organized.

Brendan Ryan CFP®

FOUNDER, LATER LIFE ADVICE

COMPLIANCE ASSURANCE

Legislative accuracy is not a feature.
It's the architecture.

The Later Life App is powered by an agentic compliance layer — a network of 27 specialised AI agents that continuously monitor Australian aged care legislation and enforce accuracy across every calculation.

The Guardian Network

Five specialised AI auditors monitor every threshold in the Aged Care Act — from the Home Exemption Cap and Asset Free Area to the MPIR rate and accommodation supplements. They cross-reference live government sources quarterly.

Active · 2025–26 FY

The Delta Report

When legislation changes, the system detects it automatically. A structured Delta Report compares what the code says versus what the law says, generates a plain-English impact summary, and presents it for human approval before any update is deployed.

Human-in-the-Loop

The Provenance Trail

Every calculation cites the specific legislation, financial year, and date of the last audit. The Logic Health Monitor exposes audit dates directly in the application. This is not a trust exercise — it is a verifiable audit trail.

Logic, Not Advice

"The Later Life App provides technical validation — what the legislation says you may be entitled to. It does not provide financial advice. The software does math. The advisor, or the family, makes decisions."

Read the Full Story: 27 Agents, One Compliance Layer

by Brendan Ryan, CFP® — Founder, Later Life Advice

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