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We are AWESOME at what we do.

  • We form an alliance with you to provide awesome financial advice.
  • We always work in your best interest.
  • We only provide financial advice in areas that we specialise in: aged care, home care packages, or retirement/lifestyle village situations.
  • We provide (to anyone in Australia for the above advice areas) both a free telephone Q&A service and a free calculation reporting service to better understand your DIY financial plans.
  • We provide financial reviews at your option and only when you want them. No lock in contracts (no on-going service requirements).

This website provides information on the 3 categories below. After reading the information, use our innovative Wealth Savings Calculator for a quick estimate on how much our advice could save you.

What would you like information on?

(choose from the below 3 options)

Aged Care

Home Care Packages

Retirement or Lifestyle Villages

Aged Care Information Where a RAD Applies 

This article provides useful aged care information. It also has our unique “Wealth Savings Calculator”. The calculator will help you determine if getting financial advice will be of financial benefit.

There are two types of aged care. The type that most people know about is aged care where the accommodation cost is publicised using the term, “Refundable Accommodation Deposit” (RAD). That type of care is covered here.

The Aged Care Act 1997 is the main legislation that covers government-funded aged care. The government’s My Aged Care department should be your first contact point. Their website has lots of helpful information.

Information on the accommodation costs.

You can choose to pay the accommodation cost by paying the RAD as a lump sum/s or by Daily Accommodation Payments (DAP). You will be charged a DAP on any outstanding RAD amount.

RAD values depend on the facility location and the room-type chosen values. Each aged care facility set their own values.

The RAD amount you must pay depends on a government assessment of your income and assets. For those below a means test threshold, the government will pay part or all of your accommodation cost.

Information on the care fees.

You will be asked to provide current financial information to Services Australia (Centrelink) so that an assessment can be made of the care fees you need to pay. Care fees are set by the government.

Care fees include a basic daily care fee. The basic daily care fee is set at 85% of the basic aged pension. There can also be a means-tested care fee for those who are above the means test threshold.

Information on getting someone admitted into aged care.

The steps to follow are available via the My Aged Care website.

The good news is that almost anyone can complete the aged care steps.

The bad news is that doing the entire aged care process yourself almost certainly guarantees a lesser financial result when compared with including financial advice from a specialist in this field.

Use our calculator to get an estimate of how much wealth we could save you. The results apply if you are going into or already in aged care.

Our calculator compares the yearly wealth results of your DIY scenario with the results of our advice scenario.

Our wealth savings calculator has been designed to limit the amount of information you must enter. This makes the calculator quicker and simpler to use. With fewer information inputs, the results will be a good wealth savings estimate. If you would like more accurate calculations, simply contact us as explained later in this information.

Here are the calculator’s assumed details used in both scenarios:

  • Relationship = Single.
  • Investment risk = You do not want to take any risks.
  • Bank wealth earning rate average = 1.00% pa.
  • Future investing = You will keep all remaining wealth in the bank.
  • Future expenses = Your only future expenses are the basic daily care fee and any applicable means-tested care fee.

To use the calculator, simply make two selections and that is it!

If your calculated wealth savings is an amount that is meaningful to you, you should take one more step and contact us. We’ll answer questions about us as well as your question about aged care. We’ll also gather information to prepare a more exact and a more detailed report.

  Yr 1 Yr 2 Yr 3 Yr 4
Aged Pension Entitlement $19,549 $19,549 $19,549 $19,549
Care Fees -$30,604 -$30,470 -$30,340 -$30,213
Cash Flow -$6,698 -$6,509 -$6,325 -$6,146
Wealth Value $843,302 $836,794 $830,469 $824,323

Your report will include not just the values shown in this table (for example, starting pension and a breakdown of starting care fees) but also other helpful non-calculation information.

Additionally, your report will include three tables like the above. One table showing the amounts if you pay the full RAD, one for paying the full DAP, and one for paying a combination (i.e., ½ RAD and ½ DAP–you can choose the ratios). Your report will be six pages long.

Your report won’t cost you anything except some time on the phone. It will be emailed to you within 48 hours of you providing the info needed for your report.

The report will show you the value that our financial advice will add to your DIY scenario. We’ll do a follow-up call to explain the report contents and answer any further questions. At that time, we’ll quote you a price for our advice. The price will depend on the complexity of your situation and the time it will take us if you want to proceed. You’ll then be in a position to decide if our advice is value for money.

You will be under no obligation to get financial advice from us.

The bottom line is that our free help service will result in you being able to make aged care decisions from a more informed point of view.

We do not require face-to-face meetings in order to provide you with AWESOME tele help or personal financial advice. Therefore, it doesn’t matter where you live in Australia. We encourage you to take the next step and contact us for your free report. Contact details are available in the “Contact us” section of this website or via the calculator results when they are displayed.

GET STARTED

0$

Thank you, we will contact you soon !

Wealth Savings Calculator

Select from the below options:
Your intended or existing RAD

How much wealth will you have left in the bank AFTER paying the RAD?

If your desired amount is not one of the choices, select the nearest choice without going over your desired amount (i.e. if your desired RAD is $400,000, choose $350,000). Making choices like this will provide a more conservative result.

You need to select an item to continue

Calculate

Here is your calculated Back of the Envelope wealth savings.
It compares your DIY scenario's results with ours.
This calculator is current as of 25/06/24
(This calculator provides general advice only).
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,998
$7,906
$11,724
$15,454

Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,620
$22,906
$33,866
$44,508
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,441$34,500
$48,413$60,389
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,616$36,657$54,134$37,600
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$23,489$46,282$64,416$85,453
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$26,046$52,909$77,515$103,324
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$30,309$60,612$90,907$121,230
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$34,752$69,520$104,306$139,143
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,998
$7,898$11,700$15,407
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,620$22,377$32,302$41,424
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,441$34,692
$48,391$58,213
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,616$36,649$52,515$68,088
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$22,173$44,981$64,125$85,420
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,703$77,508$103,317
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$30,309$60,612$90,907$121,230
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$34,752$69,520$104,306$139,143
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,998
$7,818$11,463$14,938
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,620$22,324$32,145$39,762
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,441$34,484$48,368$58,170
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,300$36,331$50,844$68,296
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,794$64,110$85,404
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,703$77,508$103,317
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$30,309$60,612$90,907$121,230
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$34,752$69,520$104,306$139,143

Our discussion will result in your questions being answered and a free multi-page calculation report.
The report will provide additional general information and more specific calculated results.
You will end up being more informed.
You will not be obligated to get financial advice.
You will end up being more informed.Beyond that, financial advice will be optional.
To get your free calculation report, contact us.
Call us on 07 33971806 (or 0414971806) or Book a phone discussion time slot via our calendar.

Note: The below times are for the Brisbane locality. If you are in another Australian time zone, you need to select accordingly.

You need to select an item to continue

Calculate

Final cost

The final estimated price is :

Summary

Description Information Quantity Price
Discount :
Total :

Order

Aged Care Information Where a RAD Does Not Apply

 

This article provides useful aged care information. It also has our unique “Wealth Savings Calculator”. The calculator will help you determine if getting financial advice will be of financial benefit.

There are two types of aged care. There are advantages and disadvantages to each type.

The type that most people know about is aged care where the accommodation cost is publicised using the term, “Refundable Accommodation Deposit” (RAD). The other type is where the accommodation cost is publicised using the term, “Entry Amount“.

The following information is about the second type – Aged Care facilities where a RAD does not apply.

Other type is where the accommodation cost is publicised using the term, “Accommodation Cost” is explained using the term, “Entry Amount“.

Aged Care providers that don’t charge a RAD are usually retirement villages that provide aged care services via on-site staff using Home Care Package funding.

These Aged Care providers are governed by both retirement villages legislation and aged care legislation. In Queensland, the retirement villages legislation includes the Retirement Villages Act 1999. The Aged Care Act 1997 is the main legislation that covers government-funded aged care.

The government’s My Aged Care department should be your first contact point. Their website has lots of helpful information.

Information on the accommodation costs. The accommodation costs will vary and are dependent on the village location, unit size, and the fit-out quality.

There are on-going costs to maintain the buildings and surrounds – no different that if you purchased a home unit in a non-aged care retirement complex.

Information on the care fees. Aged care retirement villages use on-site staff to deliver care services.  Those care services are provided using government Home Care Packages (HCP). Information on HCP levels are more fully explained on our HCP information.

The good news is that almost anyone can complete the steps to get someone admitted into aged care.

The bad news is that doing the entire aged care process yourself almost certainly guarantees a lesser financial result when compared with including aged care advice in the process. Use our Wealth Savings Calculator to get an estimate of how much wealth our advice could save you.

Those results apply if you are going into aged care or already in aged care.

The calculator compares the yearly wealth results of your DIY scenario with the results of our advice scenario.

Here are the calculator’s assumed details used in both scenarios:

  • Relationship = Single
  • Investment risk = You do not want to take any investment risks.
  • Bank wealth earning rate average = 1.00% pa
  • Future expenses = Your only future expenses are the basic daily care fees and any applicable means tested care fees. No allowance has been made for incidental expenses or other expenses while in care.

To use the calculator, simply make three selections and that is it!

If your calculated wealth savings is an amount that is meaningful to you, you should take one more step and contact us. We’ll answer your question about aged care. We’ll also gather information to prepare a more exact and a more detailed report.

  Yr 1 Yr 2 Yr 3 Yr 4
Aged Pension Entitlement $7,254 $9,224 $11,046 $12,732
Care Fees -$4,022 -$4,022 -$4,022 -$4,022
Cash Flow -$25,257 -$23,363 -$21,611 -$19,990
Wealth Value $924,743 $901,380 $879,769 $859,779

Your report will include not just the values shown in this table (for example, starting pension and a breakdown of starting care fees) but also other helpful non-calculation information.

Your report won’t cost you anything except some time on the phone. It will be emailed to you within 48 hours of you providing the info needed for your report.

The report will show you the value that our financial advice will add to your DIY scenario. We’ll do a follow-up call to explain the report contents and answer any further questions. At that time, we’ll quote you a price for our advice. The price will depend on the complexity of your situation and the time it will take us if you want to proceed. You’ll then be in a position to decide if our advice is value for money.

You will be under no obligation to get financial advice from us.

The bottom line is that our free help service will result in you being able to make aged care decisions from a more informed point of view.

We do not require face-to-face meetings in order to provide you with AWESOME tele help or personal financial advice. Therefore, it doesn’t matter where you live in Australia. We encourage you to take the next step and contact us for your free report. Contact details are available in the “Contact us” section of this website or via the calculator results when they are displayed.

GET STARTED

0$

Thank you, we will contact you soon !

Wealth Savings Calculator

Select from the below options:
What is your entry amount paid or payable

Remaining wealth after paying the entry amount

Annual total living expenses

If your desired amount is not one of the choices, select the nearest choice without going over your desired amount (i.e., if your desired entry amount is $400,000, choose $500,000). Making choices like this will provide a more conservative result.

You need to select an item to continue

Calculate

Here is your calculated Back of the Envelope wealth savings.
It compares your DIY scenario's results with ours.
This calculator is current as of 25/06/24
(This calculator provides general advice only).
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
$7,310
$10,968
$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
 $7,270$10,848$14,387
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$7,230$7,310
$10,727$14,146
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,096$30,026$37,986
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,056$29,912$45,991
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,016$29,797$41,427
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,077$37,614$62,728
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,037$37,494$67,190
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$24,997$38,233$67,852
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,986$51,013$60,063
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,946$50,893$67,822
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,906$50,772$70,064
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,895$64,412$85,976
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,855$64,292$85,735
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,815$64,171$85,493
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,659$83,073$110,211
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,394$82,278$108,624
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,129$81,484$107,332
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
$7,310
$10,968
$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
 $7,270$10,848$14,387
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$7,230$7,310
$10,727$14,146
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,096$30,026$50,555
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,056$29,912$45,991
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,016$29,797$41,427
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,077$37,614$62,728
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,037$37,494$67,190
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$24,997$38,233$67,852
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,986$51,013$60,063
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,946$50,893$67,822
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,906$50,772$70,064
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,895$64,412$85,976
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,855$64,292$85,735
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,815$64,171$85,493
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,659$83,073$110,211
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,394$82,278$108,624
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,129$81,484$107,332
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
$7,310
$10,968
$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
 $7,270$10,848$14,387
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$7,230$7,310
$10,727$14,146
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,096$30,026$50,555
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,056$29,912$45,991
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,016$29,797$41,427
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,077$37,614$62,728
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,037$37,494$67,190
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$24,997$38,233$67,852
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,986$51,013$60,063
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,946$50,893$67,822
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,906$50,772$70,064
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,895$64,412$85,976
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,855$64,292$85,735
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,815$64,171$85,493
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,659$83,073$110,211
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,394$82,278$108,624
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,129$81,484$107,332
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
$7,310
$10,968
$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
 $7,270$10,848$14,387
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$7,230$7,310
$10,727$14,146
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,096$30,026$50,555
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,056$29,912$45,991
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,016$29,797$41,427
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,077$37,614$62,728
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,037$37,494$67,190
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$24,997$38,233$67,852
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,986$51,013$60,063
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,946$50,893$67,822
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,906$50,772$70,064
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,895$64,412$85,976
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,855$64,292$85,735
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,815$64,171$85,493
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,659$83,073$110,211
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,394$82,278$108,624
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,129$81,484$107,332

Our discussion will result in your questions being answered and a free multi-page calculation report.
The report will provide additional general information and more specific calculated results.
You will end up being more informed.
You will not be obligated to get financial advice.
You will end up being more informed.Beyond that, financial advice will be optional.
To get your free calculation report, contact us.
Call us on 07 33971806 (or 0414971806) or Book a phone discussion time slot via our calendar.

Note: The below times are for the Brisbane locality. If you are in another Australian time zone, you need to select accordingly.

You need to select an item to continue

Calculate

Final cost

The final estimated price is :

Summary

Description Information Quantity Price
Discount :
Total :

Order

Home Care Package Information

This article provides useful Home Care Package information. It also has our unique “Wealth Savings Calculator”. The calculator will help you determine if getting financial advice will be of financial benefit.

Home Care Packages (HCP) are the main way that older Australians can access affordable care services for help in their home. HCPs are designed for those with more complex care needs that go beyond what the Commonwealth Home Support Program can provide.

HCP can be an option if you need a coordinated approach to the delivery of your help at your home – perhaps because you need help with many everyday tasks, or the care you need is more complex or intensive.

The Aged Care Act 1997 is the main legislation that covers government-funded Home Care Packages. The government’s My Aged Care department should be your first contact point. Their website has lots of helpful information on HCP and HCP providers.

Information on the steps to follow for getting a Home Care Package.

While the process of getting a HCP can be time-consuming and stressful, the actual steps are not difficult:

  1. Contact My Aged Care.
  2. Get an ACAT assessment (ACAS in Victoria).
  3. Apply for a HCP
  4. When notified that your HCP funding has been approved, find an accredited HCP provider.
  5. Advise the govt. that you have selected a HCP provider and will accept the HCP.
  1. Develop a care package program and budget with your HCP provider.

Level 1 and 2 packages usually take a month or more to be approved. Levels 3 and 4 packages can take up to 2 years! Don’t put off starting the HCP process in the belief that when you need it, it will be approved in a few weeks.

Information on the available Home Care Packages.

There are 4 home care package levels:

  • Level I provides for basic care needs with about 5 hours of help per fortnight. The package value is currently about $8,500 pa.
  • Level 2 provides for low-level care needs with about 9 hours of help per fortnight. The package value is currently about $15,000 pa.
  • Level 3 provides for intermediate care needs with about 19 hours of help per fortnight. The package value is currently about $33,000 pa.
  • Level 4provides for high level care needs with about 29 hours of help per fortnight. The package value is about $51,000 pa.

Word of mouth opinions on HCP providers can be useful. However, your care needs and financial situation might not be identical to the person giving an opinion. Therefore, you should research HCP providers before making your choice.

What is your current financial situation?

If you are applying for or already have a HCP, now would be a good time to consider your financial situation. Many people choose the Do-It-Yourself option (DIY) at this time. They simply keep doing whatever they’ve been doing financially. But there are good news/bad news elements to this.

The good news is that almost anyone can complete the HCP steps. The bad news is that there are critical elements which often gets put in the too hard basket – the financial elements.

The bad news is that doing the entire HCP process yourself almost certainly guarantees a lesser financial result when compared with including financial advice from a specialist in this field.

Use our Wealth Savings Calculator to get an estimate of how much wealth our advice could save you.

The calculator compares the yearly wealth results of your DIY scenario with the results of our advice scenario.

Here are the calculator’s assumed details used in both scenarios:

  • Relationship = Single.
  • Investment Risk = You do not want to take any investment risks.
  • Bank wealth earning rate average = 1.00% pa.
  • Future investing = You will keep all remaining wealth in the bank.

To use the calculator, simply make two selections and that is it!

If your calculated wealth savings is an amount that is meaningful to you, you should take one more step – contact us. We’ll answer questions about us as well as your question about Home Care Package. We’ll also gather information to prepare a more exact and a more detailed report.

  Yr 1 Yr 2 Yr 3 Yr 4
Aged Pension Entitlement $22,406 $22,511 $22,624 $22,736
Care Fees $3,285 $4,022 $4,022 $4,022
Cash Flow -$9,370 -$10,028 -$9,945 -$9,863
Wealth Value $940,630 $930,602 $920,657 $910,794

Your report will include not just the values shown in this table, but also other calculations plus other helpful non-calculation information (for example, starting pension, a breakdown of starting care fees).

Your report won’t cost you anything except some time on the phone. It will be emailed to you within 48 hours of you providing the info needed for your report.

The report will show you the value that our financial advice will add to your DIY scenario. We’ll do a follow-up call to explain the report contents and answer any further questions. At that time, we’ll quote you a price for our advice. The price will depend on the complexity of your situation and the time it will take us if you want to proceed. You’ll then be in a position to decide if our advice is value for money.

You will be under no obligation to get financial advice from us.

The bottom line is that our free help service will result in you being able to make aged care decisions from a more informed point of view.

We do not require face-to-face meetings in order to provide you with AWESOME tele help or personal financial advice. Therefore, it doesn’t matter where you live in Australia. We encourage you to take the next step and contact us for your free report. Contact details are available in the “Contact us” section of this website or via the calculator results.

GET STARTED

0$

Thank you, we will contact you soon !

Wealth Savings Calculator

Select from the below options:
Value of your home

Remaining Wealth after paying the entry amount

Annual Total Living Expenses

If your desired amount is not one of the choices, select the nearest choice without going over your desired amount (i.e. if your desired value of your home is $700,000, choose $400,000). This will provide a more conservative approximate amount.

You need to select an item to continue

Calculate

Here is your calculated Back of the Envelope wealth savings.
It compares your DIY scenario's results with ours.
This calculator is current as of 25/06/24
(This calculator provides general advice only).
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,310$10,968$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,278$10,872$14,335
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,238$10,752$14,194
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,104$30,048$38,029
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,064$29,934$37,812
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,024$29,820$37,595
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,085$37,638$50,199
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,045$37,518$49,957
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,005$37,629$50,430
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,994$51,037$68,111
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,954$50,917$67,870
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,914$50,797$67,629
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,903$64,436$86,024
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,863$64,316$85,783
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,823$64,195$85,542
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,811$77,835$103,937
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,771$77,714$103,696
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,731$77,594$103,454
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,310$10,968$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,270$10,848$14,387
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,230$10,727$14,146
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$10,846$21,611$32,298$42,907
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$10,846$21,346$31,504$41,320
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$10,846$21,081$30,710$39,734
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$17,236$32,733$46,621$59,022
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$17,236$32,693$46,507$58,805
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$17,236$32,653$46,393$58,588
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,986$51,013$68,063
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,946$50,893$67,822
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,906$50,772$68,256
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,895$64,412$85,976
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,855$64,292$85,735
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,815$64,174$85,493
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,659$83,073$110,211
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,394$82,278$108,624
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,129$81,484$107,332
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,318$10,992$14,677
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,278$10,872$14,435
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,238$10,752$14,194
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,104$30,048$38,029
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,064$29,934$37,812
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,024$29,820$37,595
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,085$37,638$50,199
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,045$37,518$49,957
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,005$37,629$50,430
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,994$51,037$68,111
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,954$50,917$67,870
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,914$50,797$67,629
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,903$64,436$86,024
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,863$64,316$85,783
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,823$64,195$85,542
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,811$77,835$103,937
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,771$77,714$103,696
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,731$77,594$103,454

Our discussion will result in your questions being answered and a free multi-page calculation report.
The report will provide additional general information and more specific calculated results.
You will end up being more informed.
You will not be obligated to get financial advice.
You will end up being more informed.Beyond that, financial advice will be optional.
To get your free calculation report, contact us.
Call us on 07 33971806 (or 0414971806) or Book a phone discussion time slot via our calendar.

Note: The below times are for the Brisbane locality. If you are in another Australian time zone, you need to select accordingly.

You need to select an item to continue

Calculate

Final cost

The final estimated price is :

Summary

Description Information Quantity Price
Discount :
Total :

Order

Retirement Villages, Lifestyle Villages, and Land Lease Communities Information

This article provides useful information about Retirement Villages, Lifestyle Villages, and Land Lease Communities. In this article, they will collectively be called “Villages”.

This article also has our unique “Wealth Savings Calculator”. The calculator will help you determine if getting financial advice will be of financial benefit.

These Villages are a popular form of retirement living throughout Australia. They offer many positives, including the chance to downsize, make new friends, and to be part of a positive, active retirement environment.

Retirement villages are governed by retirement villages legislation. For example, in Queensland, the retirement villages legislation includes the Retirement Villages Act 1999.

Lifestyle villages and Land Lease Communities are usually governed by the same legislation that applies to mobile home and caravan park residents – legislation that is more closely aligned with a tenancy agreement.

The steps to follow to get into a Village are not difficult:

  1. Find a suitable Village and choose a home unit or dwelling.
  2. Decide how to pay for the costs.
  3. Sign a resident agreement.
  1. Move in.

These Villages can have complex arrangements. You should be very clear on what type of village you are considering.

You should also be very clear on the entry amount you pay to live there, the on-going fees, the exit entitlement when you leave, and also when you will get your exit entitlement. You may have to pay on-going costs for a period of time after you exit the village. These details must be provided to you before you sign an agreement to reside in the village.

Village staff will help you understand information for both the village and the specific dwelling that you have chosen.

If you are considering a move into one of these villages, now would be a good time to consider your financial situation.

If moving into one of these villages, there may be implications for your aged pension entitlement or Home Care Package fees.

Consideration should also be given to possible future events such as the need to move into aged care.  For example, how would you pay the aged care accommodation cost? What about the on-going aged care fees. What if you have a partner who will stay in your village residence? What will this mean financially?

At times like this, it is tempting to choose the Do-It-Yourself option (DIY) and simply keep doing whatever has been done financially.

But there are good news/bad news elements to this.

The good news is that anyone can complete the step to move into one of these villages.

The bad news is that doing this yourself almost certainly guarantees a lesser financial result when compared with including financial advice from a specialist in this field.

Use our calculator to get an estimate of how much wealth we could save you.

Our calculator compares the yearly wealth results of your DIY scenario with the results of our advice scenario.

Our wealth savings calculator has been designed to limit the amount of information you must enter. This makes the calculator quicker and simpler to use. With fewer information inputs, the results will be a good wealth savings estimate. If you would like more accurate calculations, simply contact us as explained later in this information.

  • Relationship = Single.
  • Investment Risk = You do not want to take any investment risks.
  • Bank wealth earning rate average = 1.00% pa.
  • Future investing = You will keep all remaining wealth in the bank.
  • Care Fees = Nil.

To use the calculator, simply make three selections and that is it!

If your calculated wealth savings is an amount that is meaningful to you, you should take one more step and contact us. We’ll answer questions about us as well as your financial advice related questions about these villages. We’ll also gather information to prepare a more exact and a more detailed report.

  Yr 1 Yr 2 Yr 3 Yr 4 Yr 5
Aged Pension Entitlement $7,254 $10,471 $13,447 $16,200 $18,746
Care Fees $0 $0 $0 $0 $0
Cash Flow -$41,246 -$38,153 -$35,291 -$32,644 -$30,196
Wealth Value $1,058,754 $1,020,601 $985,310 $952,666 $922,470

Your report will include not just the values shown in this table, but also other calculations (for example, starting pension, a breakdown of any home care package fees), and plus other helpful non-calculation information

Your report won’t cost you anything except some time on the phone. It will be emailed to you within 48 hours of you providing the info needed for your report.

The report will show you the value that our financial advice will add to your DIY scenario. We’ll do a follow-up call to explain the report contents and answer any further questions. At that time, we’ll quote you a price for our advice. The price will depend on the complexity of your situation and the time it will take us if you want to proceed. You’ll then be in a position to decide if our advice is value for money.

You will be under no obligation to get financial advice from us.

The bottom line is that our free help service will result in you being able to make village choice decisions from a more informed point of view.

We do not require face-to-face meetings in order to provide you with AWESOME tele help or personal financial advice. Therefore, it doesn’t matter where you live in Australia. We encourage you to take the next step and contact us for your free report. Contact details are available in the “Contact us” section of this website or via the calculator results when they are displayed.

GET STARTED

0$

Thank you, we will contact you soon !

Wealth Savings Calculator

Select from the below options:
Entry Amount

Remaining wealth after paying the entry amount

Annual Total Living Expenses?


If your desired amount is not one of the choices, select the nearest choice without going over your desired amount (i.e. if your desired entry amount is $500,000, choose $400,000). This will provide a more conservative approximate amount.

You need to select an item to continue

Calculate

Here is your calculated Back of the Envelope wealth savings.
It compares your DIY scenario's results with ours.
This calculator is current as of 25/06/24
(This calculator provides general advice only).
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,318$10,992$14,677
$18,371
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,104$30,048$38,029$45,119
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,085$37,638$50,199$62,766
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,994$51,037$68,111$85,216
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,903$64,436$86,024$107,667
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,811$77,835$103,937$130,118
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,278$10,872$14,435$17,968
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,064$29,934$37,812$44,775
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,045$37,518$49,957$61,455
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,954$50,917$67,870$84,813
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,863$64,316$85,783$107,264
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,771$77,714$103,696$129,715
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,238$10,752$14,194$17,565
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,024$29,820$37,595$44,431
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,005$37,629$50,430$61,739
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,914$50,797$67,629$84,410
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,823$64,195$85,542$106,861
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,731$77,594$103,454$129,312
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,318$10,992$14,677
$18,371
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,104$30,048$38,029$45,119
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,085$37,638$50,199$62,766
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,994$51,037$68,111$85,216
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,903$64,436$86,024$107,667
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,811$77,835$103,937$130,118
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,278$10,872$14,435$17,968
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,064$29,934$37,812$44,775
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,045$37,518$49,957$61,455
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,954$50,917$67,870$84,813
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,863$64,316$85,783$107,264
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,771$77,714$103,696$129,715
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,238$10,752$14,194$17,565
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,024$29,820$37,595$44,431
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,005$37,629$50,430$61,739
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,914$50,797$67,629$84,410
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,823$64,195$85,542$106,861
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,731$77,594$103,454$129,312
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,318$10,992$14,677
$18,371
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,104$30,048$38,029$45,119
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,085$37,638$50,199$62,766
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,994$51,037$68,111$85,216
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,903$64,436$86,024$107,667
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,811$77,835$103,937$130,118
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,278$10,872$14,435$17,968
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$7,278$29,934$37,812$44,775
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,045$37,518$49,957$61,455
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,954$50,917$67,870$84,813
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,863$64,316$85,783$107,264
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,771$77,714$103,696$129,715
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,238$10,752$14,194$17,565
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,024$29,820$37,595$44,431
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,005$37,629$50,430$61,739
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,914$50,797$67,629$84,410
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,823$64,195$85,542$106,861
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,731$77,594$103,454$129,312
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,318$10,992$14,677
$18,371
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,104$30,048$38,029$45,119
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,085$37,638$50,199$62,766
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,994$51,037$68,111$85,216
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,903$64,436$86,024$107,667
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,811$77,835$103,937$130,118
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,278$10,872$14,435$17,968
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$7,278$29,934$37,812$44,775
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,045$37,518$49,957$61,455
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,954$50,917$67,870$84,813
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,863$64,316$85,783$107,264
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,771$77,714$103,696$129,715
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,238$10,752$14,194$17,565
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,024$29,820$37,595$44,431
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,005$37,629$50,430$61,739
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,914$50,797$67,629$84,410
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,823$64,195$85,542$106,861
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,731$77,594$103,454$129,312

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