Financial Planning
A journey of a thousand miles begins with one step.
~ LaoTzu
Preparation for life's journey makes a difference.
Financial planning for a traditional family is often a straightforward process. Goals may include building a cash cushion for emergencies, buying a home, planning for college and retirement, providing financial protection in case of illness or death and more.
Based upon our experience, planning for families of people with disabilities is rarely a straightforward process. Parents are often faced with conflicting goals for their finite resources and will need to make important decisions.
It is key to focus upon building a strong financial foundation that integrates the goals for all your family members and allocates your resources accordingly.
A financial plan, and certainly a comprehensive special needs plan, will need to be a dynamic document. Life will continue to bring unforeseen changes, both windfalls and challenges, that will alter your plan. Having a plan in place gives you a tangible document to work with and will help keep you focused on your path forward.
Comprehensive Special Needs Planning
Comprehensive Special Needs Planning is planning for two generations; encompassing both your and your child's lifetime(s). Our approach is to break the planning process into three sequential components and then integrate these to form your Comprehensive Special Needs Financial Plan.
Allocating your personal resources to meet your needs and save toward your goals.
Maximizing personal resources and leveraging government benefits to provide the best possible life for your child.
Building a team to support your child when you can no longer provide the on-going care they need.
It's all about striking a balance.
Many times, parents will have to find a balance between the competing goals of planning for their own financial security and planning for the lifetime needs of their child with a disability. We can help.
More about what we do.
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