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COMPASS have a team of Accredited "Aged Care Advice Specialists" and can help no matter where you are located. When faced with the difficult decision to move your loved one into Residential Aged Care, it can be very challenging both emotionally and financially.


Aged Care is a complex, emotional and difficult journey, seeking professional advice can help alleviate these issues. Depending on your specific circumstances, we find clients usually need advice on issues such as:


– understanding what fees will need to be paid

– retaining/maximising Centrelink entitlements

– cashflow management, making sure you have enough liquid funds to cover     your costs without relying on your family for financial assistance

– minimising aged care fees

– dealing with the former home

– investment advice

– estate planning


There are numerous decisions to consider and making the wrong choice can be costly, in many ways. It may even result in the reduction or removal of your Centrelink entitlements; and paying more aged care fees than you need to. Hence seeking professional advice is paramount in helping you make the best financial decisions, allowing you to remove the worry and stress. COMPASS helps you navigate through this difficult process and give you and your family peace of mind.

Aged Care finacial planning specialists in Port Macquarie
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Check out this great short video which shows the role of an aged care financial planner.



These are some of the Aged Care testimonials that we'd like to share with you from some of our valued clients.


Kellie Seymour from Compass Financial in Port Macquarie has been nothing short of a Godsend.

My very elderly parents live in Queensland and recently our family had to make the most difficult decision to move them into an aged care facility. As difficult as this was for us, little did we understand about the chaos and mayhem that was about to unfold when we had to deal with various Government departments and a Privately owned aged care facility.

After months and months of incorrect assessments, ridiculous mistakes (not by us), threats of pension cut-offs and expectations of massive repayments by my parents, we had had enough. I have not even mentioned the fruitless, abundant, hours spent on the phone trying to sort things out or the stress it created. We were at our wits end over a process that should have been sorted months earlier.

Enter Kellie Seymour…wow! Kellie was able to navigate the process quickly and accurately. Kellie knew who to talk to and what they needed to do in order to sort this mess out. In short, was it all solved quickly and effectively to the immense relief of our family. In addition, the money Kellie saved my parents and family was significant. 

I cannot recommend Kellie highly enough. If you ever find yourself in this situation, alleviate your stress by giving Kellie at Compass Financial a call. 

Thank you Kellie for your wonderful support and kindness throughout this difficult process.


Working with Kellie has been an absolute god send!!

Kellie is exceptionally knowledgeable regarding aged care and has the most lovely personality that puts you at ease during times that can be very very stressful.

Kellie has given me very sound advice regarding my father and I am so grateful to her and the team at Compass financial services.

Engaging Kellie and Compass financial won't be decision you will regret!!!


Negotiating with Age Care, Centrelink and heightened emotions dealing with your sick parent, is a very difficult journey. Without Kellie’s help, we just couldn’t have done it! She communicated, advocated, problem solved and assisted us with everything! I couldn’t recommend Kellie more highly! 


Gail Moore

Last year my elderly Auntie became unable to stay in her own home and needed nursing home care.


The amount of paperwork required for Aged Care and Centrelink was unbelievable and I couldn’t understand most of it. The nursing home recommended Kellie Seymour from Compass Financial to help with the paper work and financial side of Auntie’s move.


I was able to concentrate on moving my auntie out of her unit, helping her to settle in to her new home and attending to her needs while Kellie took care of rest.


Kellie sorted out any problems there were which ended up saving my Aunty money and she chased up Centrelink and DVA so I didn’t have to worry.


Kellie is friendly and helpful and I don’t think I could have got through this difficult time without her. Kellie’s help has been invaluable to my Aunty and me and I would recommend her services.

Grant Parsons

In late 2020, amid COVID travel restrictions, I faced needing to assist my elderly parents to navigate my father's move into respite, then permanent aged care before his eventual passing in early 2021.


Navigating the aged care system, Centrelink and my parents' financial affairs proved complex and challenging, exacerbated by the need to assist from the other side of Australia. After calling several advisors, I was lucky enough to speak with Kellie Seymour from Compass Financial Management and, from the first conversation, felt comfortable that I had found the expert I was seeking.


Kellie's ongoing financial advice, planning, liaising with aged care, government, and financial institutions has been invaluable. Her tireless pursuit of achieving the best outcomes, her diligence in explaining all possible scenarios, coupled with her exhaustive knowledge of the required legislation and processes, and the local aged care community in the Mid North Coast are impressive.


The clear and concise communication, patience, and empathy Kellie has exhibited throughout this challenging time has made her an absolute pleasure to deal with and left me confident my elderly mother is in good hands.


I would highly recommend Kellie to anyone seeking financial services or aged care advice.

Leigh L

My 90 year old mother has been dealing with Compass Financial Management for many years now. Her dealings in particular with Kellie Seymour has been excellent and always professional.

My mother and I have always had trust issues where money is concerned but with Kellie this has proved to be unfounded.

My mother has always been kept up to date with what is happening in her investment portfolio and the yearly review she received is testament that all is well managed.

My mother recently moved into an Aged Care facility at Port Macquarie and Kellie was kind enough to take her there, get her settled in and also taking care of all necessary formalities. This was a blessing as I live interstate and was not able to be there at the time of admission.

Kellie has done other caring things for my mother  up and beyond the call of duty.

I wish we had more people in the world like Kellie.


I know I have personally thanked your staff for their support and assistance over the past 2 years, but I want to just make sure you knew what a great job your team was doing.

My sister and I would like to thank the whole Compass Team for their compassion, support, guidance and advice during the transitions from moving dad, then mum into residential aged care, and then having to sell the family home.  It is not until you are thrust into having to make decisions on behalf of your parents that will affect their quality of life do you actually realise how ill prepared you are to make informed decisions.

As a family we have had to struggle to deal with mum and dad’s declining physical and cognitive heath.  On top of that we faced the added confusion of all things government and the correct steps required to navigate the myriad of systems. Plus the added frustration of dealing with the aged care facility to ensure we were paying the correct amounts. 

Personally, it was such a relief to deal with a business who understood the situation, provided proactive advice and were approachable.  This certainly gave our family ‘peace of mind’ during some very difficult and stressful times.

We especially valued the authentic care and compassion given by your team, which was demonstrated in the time Kellie and you spent with mum. You both listened to mum’s concerns and responded with empathy and carefully addressed each concern in language that mum could understand.

We have certainly appreciated having Kellie managing the entangled web of all things Centrelink and aged care.  She tirelessly chased up and resolved the previous issues we had with Centrelink records. Kellie then proactively monitored things and has kept us regularly updated via email and phone calls.

We certainly appreciated the fact that our parents were seen, heard and valued. Our family are both relieved and grateful for all the assistance Compass has provided us to ensure Centrelink and what aged care facility fees needed to be paid was done correctly.

Thank you.

Kerry Spicer

‘Having to place mum into care was daunting to say the least. Contacting Compass Financial was a smart thing to do and the beginning of a valuable partnership.

I have greatly appreciated Kellie’s guidance, professionalism and her attention to detail. The transition from home environment to Nursing home has been seamless with all financial communications between Government agencies handled by the Compass.  I would highly recommend Compass for any financial service you would require.



Kellie Seymour has been so helpful in guiding us through all the steps that are involved in placing our parents into an aged care facility. She has taken the time to meet via zoom with the family members and explain the hurdles and challenges involved and then guided us through the process. She has gone above and beyond the necessary requirements with dealing with the facility to ensure that my parents had the best possible outcomes that were available to them. We have continued to use Kellies services to deal with Centrelink which has been very worthwhile, helping us to maximise their pensions.

Kellie has shown compassion and understanding in this complex area and always taken the time to answer our queries. In what is a very stressful time, Kellie has alleviated our concerns and frustrations and guided us through the roller coaster of the aged care system.

I can’t recommend enough the benefit of using a financial advisor in this complex area and Kellie Seymour and the team at Compass were just what our family needed. I would recommend them completely.


If you are navigating the confusing and emotional journey of Aged Care services for a loved one, don’t try struggling though on your own, I highly recommend speaking to Kellie Seymour at Compass Financial Management. Kellie is a wealth of knowledge, she is compassionate, professional and extremely helpful. She took the worry away for me and gave me simple to understand options so I knew that financially we had taken into consideration my loved one’s best interests. It was an enormous relief at a very difficult time. Her ongoing follow up has also been invaluable in taking one thing off my plate so that I can concentrate on the care of my loved one. Thank you Kellie.

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