Special Needs Planning

Special Needs Planning

Protecting Futures, Empowering Families

As financial professionals, we deeply understand that planning for a loved one with special needs brings unique challenges and questions. You want the peace of mind that comes with knowing their future is protected, but the path to securing that stability often feels complex and overwhelming. Our dedicated team is here to support you in navigating these complexities, bringing clarity, compassion, and experience to every step.

How We Can Help

Customized Financial Strategies: We work with you to create a financial plan that supports both short-term needs and long-term stability. From managing current expenses to building a robust savings strategy, we prioritize your family’s unique financial goals.

• Special Needs Trusts: One of our core areas of expertise is helping families establish special needs trusts, a crucial tool to secure assets for your loved one without jeopardizing their eligibility for essential government benefits.
   
• Guardianship & Estate Planning Guidance: We assist with essential estate planning strategy components, ensuring that your loved one’s future remains in safe hands. This includes guidance on selecting guardians, planning for healthcare, and aligning assets to minimize complications in the future.
   
• Benefit Coordination: We help families understand and optimize available government benefits like Medicaid and Social Security, ensuring that the financial strategy integrates smoothly with these supports.
   
• Lifetime Care Planning: Our approach goes beyond numbers; we help you envision a sustainable plan that can evolve over your loved one's lifetime. We aim to provide ongoing support and adapt to changes as they arise.

Our mission is to stand by you, bringing together our financial expertise and heartfelt dedication to support the future you envision for your loved one. We’re here to make special needs planning manageable, effective, and empowering for your family.

The use of trusts involves complex tax rules and regulations. Consider enlisting the counsel of an estate planning professional and qualified professional legal and tax advisors prior to implementing such sophisticated strategies. The cost and availability of life insurance will depend on factors such as age, health, and the type and amount of insurance purchased.