We understand that navigating financial matters later in life can feel overwhelming — whether you're planning for retirement, applying for an Australian age pension, or exploring aged care options.
That’s why we’re here.
Our mission is to help older Australians, their families, and carers make confident, informed decisions about finances during the later stages of life.
We provide plain-English information, helpful tools, and up-to-date guidance on topics that matter — from understanding government payments and retirement village contracts, to demystifying aged care costs.
Whether you're just starting to plan for the future or facing an urgent decision about care or accommodation, OMS offers support you can trust.
Our information is independent, accessible, and tailored to the unique financial needs of seniors in Australia.
Our mission is simple: to make sense of it all. We believe that every senior Australian deserves to feel confident and informed when making important decisions about their money, their accommodation, lifestyle choices and their future care needs.
It’s a promise to you — that when you visit our website, you’ll find clear explanations, helpful checklists, and practical guides that help you understand how your money, entitlements, and options work together in retirement and beyond.
Our content is designed for:
We understand that no two families are the same, and the right answers for you will depend on your circumstances. That’s why we don’t offer personal financial advice — instead, we give you trustworthy, easy-to-read information so you feel more confident when you talk to your financial adviser, aged care placement specialist, or Centrelink representative.
We believe in:
It’s important to know that we do not provide personal financial advice. Our information is general in nature and does not take your specific circumstances into account. We strongly encourage you to seek independent advice from a qualified financial adviser, aged care placement consultant, or solicitor before you make decisions that affect your income, assets, or long-term living arrangements.
Think of us as your first stop when you want to understand the basics and get organised. Our articles can help you ask the right questions and feel more confident when you speak with the professionals who can give you advice tailored just for you.
Rules and thresholds change regularly — especially when it comes to pensions, deeming rates, aged care fees, and government programs. We do our best to keep our website up to date and clear about any new changes (like the recent postponement of the Support at Home program). We recommend that you check key details with Services Australia, My Aged Care, or your adviser to make sure you have the latest information for your situation.
We’ve put together clear, simple information on the things that really matter — like how much the Age Pension pays, what retirement living actually costs, and how aged care fees work.
Our team has decades of experience supporting families through the financial and practical aspects of ageing, retirement living, and residential aged care. We’ve seen first-hand how confusing, stressful, and overwhelming it can be when people are left to figure it all out alone. That’s why we share what we know and help you feel more prepared and more in control.
We’re not connected to any government department, aged care provider, or financial institution. We don’t sell insurance or investments. Our only aim is to make trustworthy information available in one place — because we believe good information is empowering.
Feel free to browse our guides, checklists, and updates whenever you need them. If you’re helping a parent, grandparent, or friend, you can even print out sections or bookmark your favourites so they’re easy to find when you’re having important family conversations.
If you spot something that’s unclear or needs updating, we’d love to hear from you — our website is here to serve you, and we value your feedback.
Whether you’re planning ahead, helping a loved one, or simply want to better understand how your money and entitlements work as you age, we hope you find this site reassuring, practical, and useful.
Thank you for letting us be part of your journey. We’re here to help you feel more informed, more confident, and more prepared for the road ahead.
Age Pension Rates, Eligibility, Making an Application, Commonwealth Seniors Health Card, Income and Asset Test Explained, Latest Deeming Rules.
Living in a Retirement Village, Types of Village (Leasehold, Strata, Rental), Costs and Contracts, Checklist for Moving In, Legal Protections.
Eligibility and Access, Home Care Services Available, Assessment Process, Your rights and choices, Transition from CHSP and HCP, Quality Providers.
Types of residential care, Fees and Charges explained, Assessment, Means Testing, Tips for Choosing the right Residential Care option.
Current Age Pension Rates and other important information, Simple online calculators, Downloadable checklists, Latest Fees and Charges, Frequently Asked Questions (FAQs).