Special Needs

Waiting until everything is "perfect" before starting your financial plan? Here are some reasons that might not be the best idea. Delaying the purchase of life insurance and the decision to work with a financial planner can have devastating financial and emotional consequences for parents of children with special needs. Due to the lifelong nature of care required and the complexity of preserving government benefits, proactive financial planning is not a luxury, but a critica

If you have a child with disabilities, it is crucial to set money aside for the child’s future. At the same time, you need to consider your child’s access to public benefit programs such as Medicaid and Supplemental Security Income (SSI), as well as the state and federal tax implications. The two major vehicles to accomplish these goals, ABLE accounts and special needs trusts (SNTs), each have their advantages and limitations. Using them in tandem may be the optimal strat

For the last few months as the “Big Beautiful Bill” has made its way through Congress, members of the Special Needs Community have waited with baited breath to see what, if any, changes would be made to benefit support programs.