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 clients through the special needs financial planning process. They will gain access to specialists who can help provide the clarity and confidence needed to develop 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 individual 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. Our financial advisors will take all these factors into account when creating a customized financial plan designed to provide for a loved one with special needs.

Special needs financial planning also involves an analysis of public benefits, such as Medicaid or Supplemental Security Income (SSI). Our team can help clients navigate the rules for these programs.