My Lasting Plan is an easy-to-use, secure web application designed specifically to help Australians over 65 maintain their financial safety discipline, protect their life savings, and stay independent.

While banks do an excellent job of keeping your money safe from strangers, they don’t always see the full picture of your life. Crucially, traditional bank security is not built to detect “known-person scams”—where money is inappropriately accessed by someone you know, such as a family member or someone with Power of Attorney. Because these transactions look technically authorised to a bank’s computer system, they are often legally overlooked. My Lasting Plan bridges this gap by automatically monitoring your accounts for these specific types of irregularities.

We also know that as we age, managing finances can increase cognitive load. By quietly monitoring your accounts in the background and alerting you only when something looks unusual, we reduce the mental fatigue of checking every single bank statement line by line. Furthermore, My Lasting Plan links all your different bank accounts into one simple, clutter-free screen, eliminating the need to remember multiple passwords or switch between banking apps. This makes it effortless to maintain excellent financial safety discipline.

Checking paper statements is a great habit, and it shows you already have strong money safety discipline. However, manually reading through lines of transactions can be tiring, and it can be easy to miss small irregularities hidden in the details.

With My Lasting Plan, you no longer need to hunt for these irregularities yourself. It runs quietly in the background to monitor your money automatically, providing simple, straightforward notifications based on the rules you set. This frees you up to spend more time on the things you enjoy, helping you effortlessly continue your safe habits even through life or cognitive changes.

It is wonderful to have a trustworthy family, and most families do the right thing. Setting up a safety tool is not about paranoia; in fact, it is one of the best ways to ensure long-term family harmony.

It is estimated that 84,000 older Australians self-report the financial abuse of older persons annually. The majority of these cases involve known persons, and the financial losses from these situations are often 3 to 5 times larger than stranger scams. My Lasting Plan acts as an objective system of transparency. By making it easy to spot unusual transaction amounts or changes in withdrawals early, the system removes the opportunity for misusing the funds. Keeping financial matters transparent establishes clear accountability, removes the burden of doubt, and protects both you and your loved ones.

Yes. Having a family member help manage things with a Power of Attorney is a very common and helpful step. However, granting anyone full access carries an inherent risk. People often “set and forget” these legal arrangements, making it incredibly easy to lose visibility over your own life savings as time goes on.

My Lasting Plan does not replace your Power of Attorney; it safely complements it. It acts as an objective system of checks and balances, quietly verifying that your money is being used strictly to support your lifestyle. It ensures that your delegates remain accountable and that you retain ultimate control over your money.

No. Lawyers, accountants, and advisors provide important and unique services, but they are not designed for the everyday monitoring of your bank transactions.

You might visit an advisor twice a year to plan your investments, an accountant once a year to file tax returns, or a lawyer to set up your legal documents, but they generally do not check your daily spending. My Lasting Plan fills this critical gap between your visits. It provides a cost-effective, automated way to quietly review your daily money activity, working alongside your existing trusted professionals to act as your daily safety net so they can focus on the big picture.

You do. You are entirely in charge of defining what money activity is unusual for your specific lifestyle.

Because your life changes, these rules are never locked in. If your definition of an irregularity changes—perhaps you are travelling or making larger purchases than usual—you can easily adjust the settings at any time. This means you will never be locked out of your own money or forced to explain your spending habits to an automated system. If you choose to buy something expensive simply because you want to, the system respects your choice—you just acknowledge the notification and confidently carry on with your day.

We stop scammers by giving you the exact evidence you need to force your bank to act.

Because My Lasting Plan monitors your accounts regularly, it helps you detect unusual transactions early. While a bank may not be legally responsible the first time someone inappropriately uses your password or Authority to take money, the rules change once you officially notify them that a transaction was not intended. By helping you catch these irregularities immediately, we ensure you can alert the bank to put safeguards in place before the damage becomes significant.

Not at all. We have designed My Lasting Plan specifically for people over 65 who want the benefits of digital safety without the technical frustration.

We have stripped away the confusing “tech-speak” and complicated menus. Our platform reduces your cognitive load by consolidating your information into one clear, easy-to-read space. If you have an email and can read a simple notification on your phone, tablet, or computer, you have all the technical skills required to use My Lasting Plan successfully.

Nothing bad will happen, and your money will not be locked. Because we do not freeze accounts or interfere with your banking, missing a notification simply means it will remain securely on your My Lasting Plan dashboard for you to review the next time you log in. The system will continue to quietly monitor your accounts in the background, ensuring your safety net is always active even if you are away from your screen.

Yes. My Lasting Plan works seamlessly with joint accounts. As long as you have online banking access to the joint account, you can connect it to your dashboard. This provides a great way for couples to maintain a shared, objective view of their household finances and ensure both partners have peace of mind regarding their financial safety.

All data is encrypted end-to-end. We partner with an ACCC-accredited Consumer Data Right provider for Open Banking integration. Our platform can only view transactions — it can never move your money, make payments, or change your accounts.

We operate under strict Australian corporate and privacy frameworks to ensure your information is handled with the utmost care.

We strictly comply with the Australian Privacy Principles (APPs) under the Privacy Act 1988, and our data connections are regulated by the ACCC through the secure Open Banking framework. We collect minimal personal details—we do not ask for your address or date of birth, only your name and email. Most importantly, we will never sell your data. Our sole purpose is giving you the tools to stay safe.

All your data is stored safely right here in Australia.

We apply rigorous data security measures to protect your information and ensure it never leaves the country. By keeping everything local, we ensure your data is fully protected under Australian law.

No. Your bank login passwords are never stored on our servers, so they cannot be stolen from us.

We use the same highly secure “Open Banking” technology used by major financial institutions. When you connect your accounts, your bank provides us with a secure, temporary digital key to view your transactions—not your password. We also do not store your full bank account numbers; they are strictly redacted. Even in the highly unlikely event of a cyber incident, criminals would not have the information needed to access your money.

No. It is physically impossible to move your money using My Lasting Plan.

We provide a strictly “read-only” service. Our system is like a locked window—you can look safely through it to see your account activity, but you cannot reach through it to touch the money. You can explore our platform with total peace of mind, knowing that no matter what button you press, your money remains exactly where it is. The authority to make transfers or payments always stays securely with your bank.