Aged Care
Aged Care costs explained: What you really pay
The reality of aged care For many doctors and surgeons, supporting elderly parents through aged care is deeply personal. You’re juggling clinical responsibilities while trying
Supporting an ageing parent through the transition into aged care can be emotionally and financially complex.
At DPM, we offer aged care financial advice tailored to medical professionals, helping you understand aged care costs, navigate funding options, and make informed decisions with confidence.
Our aged care financial planners will guide you through every step, from assessing fees and Centrelink entitlements to preserving assets and planning for intergenerational wealth.
What is aged care financial planning?
Aged care financial planning helps you understand the true cost of aged care and how to fund it in a way that aligns with your family’s financial goals. It involves assessing aged care fees and charges, evaluating funding strategies such as RAD vs DAP, and navigating Centrelink requirements and entitlements.
For doctors and surgeons with complex financial structures, such as trusts, investment portfolios or jointly owned property, aged care planning requires a nuanced approach.
Our team works with you to ensure your decisions support both your loved one’s wellbeing and your long-term financial position.
How we help
We provide aged care financial services that are tailored to your situation, including:
- Clear breakdown of aged care costs and what you’ll really pay
- Guidance on RAD vs DAP and accommodation funding options
- Advice on Centrelink aged care entitlements and eligibility
- Support with estate planning and asset preservation
- Strategic planning for intergenerational wealth transfer
- Location-specific advice for aged care services in Melbourne and Sydney
If you’re supporting a parent or loved one through aged care, speak with a DPM aged care financial planner today. We’ll help you understand your options and create a plan that protects your family’s future.
*Read the DPM Financial Services Guide for more information.
Aged Care
How to Navigate the Aged Care Asset Tests
What are aged care asset tests? Your parent needs aged care, and you’re faced with government forms and assessment processes that can feel unnecessarily complex.
Explore other services
Tax and Accounting
Tax & accounting for medical professionals requires expert knowledge, optimising the impact of financial strategies and ensuring compliance with tax law . Our medical tax & accounting specialists will seek to structure your financial position to be tax-efficient.
Private Wealth
After building a clear understanding of your circumstances, we’ll develop and manage a tailored financial plan focused on wealth creation through to retirement.
Lending
As experts in finance for doctors, we understand the lending requirements of our clients, from home loans to investment property loans and business loans for practice acquisition, we’ll leverage our strong lender relationships to meet your goals.
Frequently asked questions
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Bright futures.
Better with the
right roadmap.
DPM offer financial services for doctors at each stage of their medical career.
DPM focuses on financial security and wellbeing through specialist advice to protect and grow your wealth.
Our client reviews
We’re proud of our expertise delivering financial services for doctors, and so are our clients.
Our recent experience with Danha was an absolute pleasure. She was always approachable, nothing was ever too much trouble and she was readily available whenever we had questions. Thank you to DPM for having such a wonderful team member.
Fiona Scott
08:48 15 Mar 26
Clare Terrance from DPM has been fantastic in helping us secure our loan and securing a property. She was always available to meet when needed, answered all our questions clearly, and made the whole process smooth and stress-free.Clare was friendly, patient, and easy to talk to, which made us feel comfortable and confident in every step. She kept us updated and explained things in a simple way so we could make the right decisions.We truly appreciate her support and look forward to working with her & DPM again as we move toward securing another property.
J Wesley
23:01 17 Feb 26
A L
09:15 05 Feb 26
Danha has been incredibly patient and helpful as we navigate a construction loan process. She was available and responsive outside of business hours which was unexpected but very much appreciated, and excellent at communicating through the process.
Jess Atherton
22:09 23 Dec 25
I recently had to submit an insurance claim through DPM. After an initial very difficult start with another team member, and 3 months of stressful emails and calls to the insurer, Serena took over. Within 48 hours my claim was sorted and paid. Serena was empathetic, incredibly helpful and achieved a result where I had almost given up. She was absolutely amazing and I am so incredibly grateful for her help.This review is on behalf of my wife.
Adam White
01:40 23 Dec 25
From 2 medical professionals
ISABELLA HUNG
01:21 28 Nov 25
Can highly recommend insurance broker Tom Rogers! He's been incredible walking us through some tricky insurance requests and finding great options to protect us and our future, and worked with our chaotic work and life schedules to get things sorted
Nadia Bogatzke
09:45 26 Nov 25
I've had a great experience with Shane and team at DPM. They are always very helpful and responsive and caring.
Jarod Pak
05:07 21 Nov 25
Had a fantastic experience working with Naomi on the purchase of our first home. She was efficient, responsive, and incredibly thorough while still being friendly and easy to work with. We highly recommend DPM for both accounting services and mortgage brokering.
Jayden Jun Wern Yau
09:05 17 Nov 25
super duper easy, such an ease to work with, will go back again !
Charlie Traynor
00:55 13 Nov 25
Very knowledgeable and gave helpful advice, will definitely seek your services again in the future
Toby Latcham
09:19 10 Nov 25
We initially went through DPM for our accounting and tax needs, but later discovered they also have an in-house mortgage broker, Naomi. She has been incredibly diligent and professional throughout the entire process. Naomi helped us secure a mortgage perfectly suited to our needs, explaining everything clearly along the way.When settlement day came and our solicitor made an error, Naomi went above and beyond — she liaised directly with the bank and managed to get everything sorted just in time before settlement closed. We were so impressed by her responsiveness, attention to detail, and genuine care for her clients.Highly recommend DPM and especially Naomi for anyone looking for a reliable and dedicated mortgage broker!
Roy Kingsley Wong
22:43 04 Nov 25
I would like to share my appreciation for the exceptional service provided by Danha and Dino during our recent home purchase.Danha's work as our financial broker was outstanding. She understood our need and financial situation very well. The way she managed the homeloan process—getting us pre-approval results quickly and accurately in a short period—was invaluable. It gave us the confidence to bid decisively and ultimately secure a home at a great price.And a huge thank you to Dino my Accountant for his assistance in preparing all the necessary documentation. He has been looking after all my accounting matters thoroughly and wisely over the last 15 years. His help streamlined the process very well again.Thank you both for your dedicated and highly effective support.
Kwansik Moon
01:09 11 Oct 25
Julie Anderson at DPM has been my accountant for years now - and i couldn't be happier, or more satisfied with the professionalism, advice and care, she has shown me. And a big 'thank you' also to Danielle Davis, who has always been most helpful and efficient whenever i have any requests, or need help. Her courtesy and warmth are most greatly appreciated...
Cheryl Oon
08:03 06 Oct 25
Highly recommend. Dino, Naomi, and Mat have all been adaptive, responsive, and knowledgeable. The advantages of having different expertise all in-house is more than the sum of its parts. Thanks DPM.
Andrew Lang
06:07 03 Oct 25
The service from Naomi Li (mortgage broker) was excellent. Her communication was clear, timely and consistent throughout the entire process. She was always available and easy to reach, which gave me great peace of mind during my new house settlement period. Thanks to her professionalism, attention to detail and genuine care, my settlement went smoothly from start to finish. I wouldn’t hesitate to use her service through DPM again.
Sambridhi Adhikari
21:47 30 Sep 25
My partner and I cannot speak highly enough of Kimsor - he has been absolutely wonderful, incredibly responsive and reassuring, and is solely responsible for giving us the confidence we needed to secure our first home when we had uncertainty with the bank due to complexities with assessing salary as a medico. We reached out to Kimsor as a Hail Mary on an emergency basis with no prior contact right when we were losing hope to secure our pre-approval before the house we loved was due to sell, and it has been smooth sailing ever since with his clear explanations, receptiveness to our needs and aspirations, responsiveness and expertise in the area. What had begun as a very arduous and complex process with the bank was immediately simplified for us with Kimsor's help and we could not be more grateful for his time, compassion and diligence in assisting us with our purchase. Thank you, Kimsor!
Sof
00:56 30 Sep 25
Anthony and the DPM team are fantastic! They've been hugely influential and informative with our tax and wealth planning strategies. Their service and response times are amazing and they are a joy to work with. Always going the extra mile to ensure we are well taken care of! Highly recommend!
Jared Seminoff
00:52 07 Aug 25
Excellent communication and work, they helped me with home loans, insurances.
Aquiles Silva
00:16 06 Aug 25
We are new clients of Dino and Jamie on the recommendation of friends, having changed from another medical accounting firm. We have been so grateful to them and the team at DPM for absolutely wonderful service and care in our first year of being their clients. They have really stood out with all the expertise and attention to detail you would hope for, in addition to the kindness and excellence in communication skills that you didn’t know you needed from your accountants. We couldn’t recommend them any more highly.
Elizabeth Hogan
04:38 30 Jul 25
Both Naomi and Anthony are really knowledgeable and client focus.Anthony helped me a lot with my finance and tax refund. He’s also really responsive and informative.Naomi has also been a pleasure to work with to get our loan for our first home.Would definitely recommend DPM!
Nancy Fong
11:13 21 Jul 25
Excellent and personal advice tailored to our retirement needs. Key decisions were explained in a manner which was easily understood giving us confidence in our retirement management planning.
Stuart McLennan
08:41 15 Jun 25
I had the pleasure of having Naomi assist me with a home loan for as long as it took! Throughout a very stressful and unfamiliar process Naomi was present to walk me through all the steps required. We re-evaluated at any stage which bank would be more suitable for myself and she answered all my questions with skill and kindess. Many thanks to Naomi!
Georgia Ngo
04:56 12 May 25
Damien Port has provided consistent and valuable advice over many years. His advocacy for me has been extremely helpful. Thank you!
Candice Shields
04:51 29 Mar 25
I have been with DPM for a few years now and have had a really positive experience with Anthony, our accountant. Very knowledgable and always available to help with tax related enquiries. DPM have a vast network of high quality services that we have used as well. Tom our insurance broker was very professional and efficient. Overall great experience with DPM
Lee Jeffries
22:45 17 Mar 25
Prompt, professional and helpful assistance from Serena and Sonal on handling income insurance. Have been with DPM for ~5 years now.
Jeff Tang
04:48 11 Mar 25
I have been using DPM for several years now and have excellent experiences with all team members that I have interacted with. Eyal our lending consultant has been invaluable in my wife and I purchasing our last 2 properties, we even received positive feedback from the conveyancer and real estate agent in regard to promptness and responses. Sonal has always kept us up to date with our insurance to ensure we are adequately protected. And last, but not last, Anthony has been incredibly helpful as our accountant in aiding us with managing our taxes and finances as a whole as I moved from salaried position to a sole trader.
Tom Dilks
11:39 28 Dec 24
I highly recommend Tom Rogers for a comprehensive and streamlined income protection service.
Nicole Moon
09:08 17 Dec 24
Ted Elkington
21:56 13 Dec 24
I have been with DPM for over a decade.James Court is incredibly professional, knowledgeable and approachable and has been invaluable not only for the yearly tax return but he has also been available and quick to respond during the year as any issues or queries arise.We are very lucky to have had Kimsor Pan assist us with our recent mortgage. We found him both professional and approachable, committed to finding finance that suited our needs and quick to respond to all queries.I would highly recommend both of these professionals at DPM
Amy Greene
00:39 07 Dec 24
Marissa was able to assist me to obtain finance where numerous others had been unable to. She was polite, professional and highly organised. I’m very grateful to her for her work.
zeerust250
05:30 02 Dec 24
Kimsor helped us with purchasing our first home and we couldn’t be happier with the service and support! Very diligent, quick communication and very approachable. Highly recommend for and lending support!
Laura Horrigan
05:14 26 Nov 24
Naomi made the mortgage process so easy and stress free! The team at DPM were super helpful, answered all my questions, and found a great deal for me. Highly recommend their service!
Jeremy tse
12:10 25 Nov 24
Naomi has been amazing from day one! She’s been super helpful, always responsive, and really followed up closely on every step of the journey. She went above and beyond to help us get the best rate possible. We honestly couldn’t have done this without her support and guidance. Highly recommend Naomi to anyone looking for a reliable and helpful mortgage broker!
shershermyn
04:44 22 Nov 24
The team at DPM are super helpful and lovely to deal with.
Rob Mc (Me)
07:45 18 Nov 24
Kimsor from DPM was super easy to deal with and provided a very professional service.He answered all of our questions and kept us up to date of the loan application regularly. I would recommend him to anyone looking to organize a home loan.
Lewis Donoghue
02:11 18 Nov 24
DPM have been invaluable for my wife, and i, we've been with them for over a decade, and they've helped us with mortgages, tax-time, and wealth advice.James Court, William Ezzy, and Kimsor Pan have been instrumental in giving us the most informed options through a variety of life changes, from changing jobs, to changing address, and more.They have been professional, friendly, knowledgeable, and overall effective at serving our needs, and is why we recommend them to the people we care about when they need financial help.We couldn't be happier 🙂
cj juszczak
15:05 17 Nov 24
One of DPM's lending consultants Marissa Tzivakis helped me find a loan recently. I'm so very grateful for the work she did. She listened, understood the challenges (and the stress), came up with some great options in lightning quick time, and followed me through until it was sorted out. I really can't recommend her highly enough - not to mention the work of financial advisor Michael Blood and his team who've been looking after me for more than 15 years, and turned up exactly when I needed them
G K
08:59 17 Nov 24
I had a great experience working with Danha as my lending consultant. Danha is approachable, thorough and quick to respond to any correspondence!
Samantha Leng
04:30 17 Nov 24
I highly recommend Danha she provided excellent service throughout the process. I engaged Danha on very short notice and was grateful that she was able to provide me with her services. She clearly articulated to me my options, explained the process and kept me updated. No question was any trouble and she was always happy to explain. My experience has been incredibly smooth and much less stressful thanks to Danha 🙂
Helena Chan
03:38 17 Nov 24
Honestly couldn’t speak more highly of Marissa at DPM, she made the process of obtaining finance for our new home easy and stress free
Duncan
01:29 15 Nov 24
If you’re looking for a crew of great humans to help you navigate the complexities of all matters finance and a team you can trust.. look no further. Christian is a top shelf gentleman and his knowledge and passion for his craft are unsurpassed. Wouldn’t go anywhere else 👌
Ted Bndr
01:21 15 Nov 24
My partner and I are both medical practitioners and have been customers of DPM for 10 years now. We have used the financial services section on 2 occasions and found their communication to be prompt and clear, financial advice sound (maybe on the conservative side, but this could be considered a positive), and ultimately are very satisfied with our finance outcomes.
Adam Peterson
07:40 13 Nov 24
Keiren Mac
00:17 13 Nov 24
Danha has been holding my hand on each and every step. Highly recommend.
Carl Barker
11:11 06 Nov 24
michael hsieh
22:42 31 Oct 24
Very professional, very helpful and secured us a great home loan!
Marlise McEvoy
09:08 31 Oct 24
Danha has gone the extra mile for us in securing our homeland. No question was too silly and she ensured all loose ends were tied up. Highly recommend!
Bethany White
10:33 29 Oct 24
Eyal from DPM has always been professional, knowledgeable and helpful. We highly recommend Eyal.
Li Larry
02:28 29 Sep 24
Thank you to Naomi for your invaluable assistance and wealth of knowledge!
Tristan Harding
07:52 12 May 24
