be charged at the end. And the paperwork Make sure you have all the details and not just the entry fee, but that all the fees and costs have been explained to you or provided to you in legal documentation that you can then discuss with your lawyer. It's a good idea to find a lawyer who has experience in dealing with retirement village purchases/lease agreements given the complicated nature of this purchase. If there is anything you don't understand, generally it's wise not to proceed with a contract until you are comfortable that you understand the issue and its financial impact on your situation. Finally, it's also important to think not only about what the cost of the new living arrangement is, but also think about what other monies you will need to live on and what you may need in reserve if you need additional services in future. To get a better idea about this, you may like to talk to an NGS financial planner so that you know what's within your means. To make an appointment with an NGS financial planner, call our Customer Service Team on 1300 133 177.