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
Using the Home Equity Access Scheme to Pay for Support at Home
The Home Equity Access Scheme works as a government-backed reverse mortgage. Find out about eligibility, borrowing limits and competitive rates. Money can be used to help you cover Support at Home co-contributions while continuing to live in your own home.
Support at Home Lifetime Cap: Fees, Limits and Rules
The Support at Home lifetime cap is designed to put a limit on your total non-clinical care contributions. Once you reach the cap, your co-contributions stop and the Government continues funding your eligible care package.
Is Aged Care Advice Worth the Cost?
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?
Moving into Aged Care: Does it Affect Your Pension?
Moving into aged care doesn’t automatically mean losing your Age Pension. Find out how your former home, RAD payments, and couple status impact pension rules so you can make confident, informed financial decisions for your future care.
What You May Still Need to Pay Under Support at Home?
Support at Home funding covers a range of aged care services but it does come with co-contributions and associated costs.
Understanding How Gifting Can Affect Your Age Pension
Did you know giving money to your family could affect your Age Pension and aged care fees? Learn more about Centrelink’s gifting rules.