Special Needs Planning
Financial strength for everyone
As advisors and planners with firsthand, real-life experience, we’re here to help.
Specialized services
Our team is able to support you through the special needs financial planning process. You’ll have access to specialists who can help provide the clarity and confidence you need in developing a customized, long-term plan. Our team includes professionals with the Chartered Special Needs Consultant (ChSNC®) certifications and Certified Financial Planner (CFP®) designations.Our support includes:
- Items to discuss before meeting with a special needs attorney
- Analysis of current cash flow related to special needs and strategies to facilitate longer-term homecare and aging needs
- Review of current public-provided benefits and ways to preserve and maximize
- Customized resource referrals based on need
- Guidance on recommended approach related to letters of intent to describe long-term wishes and plans
- Guidance on best practices for designating a power of attorney, custodian, guardian and/or trustee
- Education related to Special Needs Trusts and ABLE accounts; includes recommendations on funding types
- Social Security analysis
- Virtual meetings with guardians and trustees to align goals and wishes
- Summarization and review of current estate documents
- Guidance on optimal beneficiary designations
- Review of methods and analysis to preserve assets in the event of long-term care, or death; including life insurance analysis
- General guidance on state-specific Medicaid benefits
Benefits of special needs financial planning
Our special needs financial planning services can be tailored to fit your goals and preferences. Depending on the disability, one may require a higher level of assistance with medical care, therapies, education, housing, and more. Some disabilities require the services of a caretaker, while others allow for greater independence. Your financial advisor will take all of these factors into account to evaluate the current and future needs of your loved one and create a financial plan.
Special needs financial planning also involves an analysis of public benefits, such as Medicaid or Supplemental Security Income (SSI). Your advisor will help you navigate the rules for these programs.
Put us to work for you
Make sure you and your loved ones enjoy life to its fullest, now and for many years to come. Get customized financial advice from our certified professionals, who can assist with tax planning strategies, retirement income planning, and other services.
Whether you are a family member, caregiver, or guardian for an individual with special needs, we can help simplify an often-complicated process.
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