Periapt Advisory

16/12/2025

Season’s greetings from our team to all our clients, families and partners. Thank you for being part of our year—here’s to a bright year ahead!

16/12/2025

If your income is under a certain threshold, then making personal after-tax contributions could enable you to qualify for a Government co-contribution and take advantage of the low tax rate payable in super on investment earnings.

Check out our blog post here: https://www.periapt.com.au/top-up-your-super-with-help-from-the-government/

If your income is under a certain threshold, then making personal after-tax super contributions could enable you to qualify for a Government co‑contribution and take advantage of the low tax rate payable in super on investment earnings. How does the strategy work? If you are under 71 at the end .....

29/10/2025

Change ahead – home support!

If you receive help through a Home Care Package, now’s the time to learn what’s changing. From 1 November, all packages will move to the new Support at Home program — with updates to how your care is managed, how fees work, and what happens to any unspent funds.

💡 Key changes:

New fee structure: your contribution will depend on your financial situation and services accessed.
“Use it or lose it” budgets: you’ll only be able to carry over a small portion of unspent funds each quarter.
Grandfathering concessions: existing package holders may pay lower rates.
Letters have been sent from Department of Health, Disability & Ageing explaining what these changes mean for you — keep it safe and share it with your independent financial adviser.

Need help understanding your options or what your new fees might look like?
👉 Talk to your care provider or call us on 1300 451 339 — we’re here to help you prepare with confidence.

Click here to read our article now’s the time to learn about your Support at Home changes on our website https://www.periapt.com.au/nows-the-time-to-learn-about-your-support-at-home-changes/

20/10/2025

Key things to know about home care changes

From 1 November 2025, a new program called Support at Home will replace the current Home Care Package system

Look at our article on our website outlining the changes.

GENERAL ADVICE WARNING: The advice on this site may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial advice prior to acting on this information.

13/10/2025

Room prices have increased significantly in 2025 – and more changes are on the way.

To find out more read the article on our website.

GENERAL ADVICE WARNING: The advice on this site may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial advice prior to acting on this information.

06/10/2025

Deeming on the rise!

After a 5-year freeze, the Government has announced that deeming rates will increase by 0.5% from 20 September 2025:

Lower threshold: 0.75% (up from 0.25%)
Upper threshold: 2.75% (up from 2.25%)
💡 What this means for you:

Most pensioners won’t notice a big change, as the assets test usually has a bigger impact than the income test.
Some Centrelink/DVA recipients and Commonwealth Seniors Health Card holders, may see higher assessable income and potentially higher fees for support at home or residential care.
On the upside, for those leaving residential aged care, the interest payable on refundable deposits will increase, which could mean more money back.
👉 If you’re unsure how the change might affect your pension, or aged care costs, now is a good time to check in with an independent financial adviser.

Read our article Deeming rates on the rise – what you need to know on our website

GENERAL ADVICE WARNING: The advice on this site may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial advice prior to acting on this information.

03/10/2025

Keep track of your total super balance, as it's relevant to how key superannuation rules apply to you.

GENERAL ADVICE WARNING: The advice on this site may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial advice prior to acting on this information.

05/05/2025

** EDIT - These changes were rescheduled to 1st November 2025 to enable aged care providers more time to establish the required processes and system changes**

Big changes are on the way for aged care, with new rules starting from 1 July 2025. While these changes aim to create a more sustainable and fairer system, they do bring added complexity — especially when it comes to understanding the fees and making the right financial decisions.

Visit our website and see our blog post here: https://www.periapt.com.au/5-key-things-to-know-about-new-aged-care-fees/

20/03/2025

After a long wait, new legislation which is aimed at reshaping how aged care is delivered and funded in Australia has been passed. Read our blog post with a summary on our website. Link below.

https://www.periapt.com.au/aged-care-fee-changes-1-july-2025-what-you-need-to-know/

After a long wait, new legislation which is aimed at reshaping how aged care is delivered and funded in Australia has been passed. Like most countries around the world, our population continues to age, making it important to have a sustainable aged care system that provides quality care and treats ....

10/03/2025

By making a personal super contribution and claiming the amount as a tax deduction, you may be able to pay less tax and invest more in super. Our latest article explains how: https://www.periapt.com.au/make-tax-deductible-super-contributions/

By making a personal super contribution and claiming the amount as a tax deduction, you may be able to pay less tax and invest more in super. How does the strategy work? If you make a personal super contribution, you may be able to claim the contribution as a tax …

05/02/2025

Thinking about boosting your super? We were delighted to once again collaborate with the ABC to get factual information and independent financial advice out there - this article breaks down when and why voluntary contributions can be a smart move.

Topping up your super can boost your retirement savings, but with so many competing financial priorities, how do you know when it's the right time to contribute?