Special Needs Financial Planning

What Is Special Needs Financial Planning?

Special Needs Financial Planning is the process of developing a comprehensive financial strategy to support the lifelong care and quality of life for individuals with disabilities. It involves planning for both the present and the future to ensure your loved one with special needs has access to the resources, services, and financial stability they require—without jeopardizing eligibility for important government benefits like Supplemental Security Income (SSI) or Medicaid.

This specialized planning goes beyond traditional financial advice. It typically includes:

• Establishing Special Needs Trusts (SNTs)
  to protect assets and maintain benefit eligibility.
  
  

• Guardianship and Legal Planning
  to secure decision-making support for health and finances.
  
  

• Government Benefits Navigation
  to maximize and preserve access to public assistance.
  
  

• Education and Housing Planning
  to address future living arrangements and educational goals.
  
  

• Letter of Intent Development
  to document care preferences and essential personal information.
  
  

• Long-Term Care and Retirement Planning
  to prepare for the future of the entire family.
  
  

The goal of financial planning is to give families peace of mind, knowing there’s a thoughtful, informed plan in place for the well-being of their loved one with special needs, today and tomorrow.