Special Needs Estate Planning
A financial roadmap to secure the future of your loved one with a disability.
As a financial coach, we help families create a financial roadmap to secure the future of their loved one with a disability. Our role goes beyond simply drafting legal documents to provide ongoing guidance on financial decisions, ensuring a secure and stable life for your loved one.
Core Functions as a Financial Coach
Holistic Financial Planning
A special needs estate planner looks at the family's entire financial picture, including investments, insurance policies, and retirement accounts. We integrate these assets into the special needs plan, ensuring that all beneficiary designations and asset transfers are coordinated to avoid jeopardizing government benefits.
Budgeting and Goal Setting
We work with your family to establish a realistic budget for the individual's current and future care needs. We help set financial goals, such as saving for a specialized vehicle, a home, or a transition to a home for group living.
Understanding and Maximizing Benefits
We educate families on the complexities of government benefits like Supplemental Security Income (SSI) and Medicaid. We help you understand income and asset limits, advise on how to spend money from a Special Needs Trust (SNT) correctly, and show you how to use an Achieving a Better Life Experience (ABLE) account to save money without affecting benefits.
Investment Guidance
We offer expert guidance on investing funds within a Special Needs Trust (SNT) and an Achieving a Better Life Experience (ABLE) account, strategically growing your loved one's resources for their lifetime while protecting their eligibility for government benefits. Account options that start with as little as $25 per month.