Rachel Lane
Rachel Lane is the Principal of Aged Care Gurus, where she leads a national network of specialist advisers helping families understand aged care costs, funding structures, and financial implications.
- Creator of VillageGuru
- Masters in Financial Planning
ABOUT RACHEL
Rachel Lane is one of Australia’s leading experts in aged care and retirement living, specialising in the financial aspects of navigating care decisions.
She is the Principal of Aged Care Gurus, where she leads a national network of specialist advisers helping families understand aged care costs, funding structures, and financial implications.
Rachel is widely recognised for her ability to simplify complex aged care financial systems, including means testing, accommodation payments, and retirement living decisions. Her insights are regularly featured in major publications such as the Sydney Morning Herald, The Age, and Brisbane Times, and she frequently appears across radio and television.
She is a best-selling co-author (with Noel Whittaker) of books including Aged Care, Who Cares? and Downsizing Made Simple, which guide Australians through later-life financial decisions.
With over 15 years’ experience in the sector and a Master’s in Financial Planning, Rachel is regarded as a trusted authority on the intersection of aged care, retirement living, and financial strategy.
Articles by Rachel

Is Aged Care Financial Advice Worth Paying For?
Is aged care financial advice worth the cost? Specialist advice may reduce fees, protect pension entitlements and help families make the right choices when it comes to planning aged care.

Aged Care Fees for Couples: Home Care vs Residential Care Costs
When one partner moves into residential care is it more cost effective for the partner at home to get Support at Home funding or pay for private care?

Former Home Means Test: Pension and Aged Care
What is the former home means test? Understand how your family home is assessed for Age Pension and aged care fees, the protected person rules and RAD impacts.

Does Support at Home Funding Cover All Your Aged Care Costs?
Support at Home funding covers a range of aged care services but it does come with co-contributions and associated costs.

Age Pension Gifting Rules: How Much Money Can You Gift?
Did you know giving money to your family could affect your Age Pension and aged care fees? Learn more about Centrelink’s gifting rules.