Leaving a home to your child with special needs can be an act of love and protection, but it comes with real-world responsibilities and risks. Before deciding whether to transfer title outright, whether in their name or in trust, here are a few practical things to consider beyond the legal and benefits issues:
Graduation season is a time of celebration—of hard work, accomplishments, and the exciting road ahead. Whether your graduate is heading off to college, beginning their career, or launching a new adventure, this is also an opportunity to help them start building a strong financial foundation. If you’re thinking about how to commemorate this milestone, here are a few meaningful and forward-looking gift ideas to consider:
We turn uncertainty into clear, actionable advice. Our role isn’t just to give you information — it’s to translate your situation into specific next steps that you can understand and implement with confidence.
Did you know the average American changes jobs about 12 times during their career?* With each new opportunity often comes a new 401(k), and it’s easy for those old accounts to be forgotten or left unmanaged.
A well-crafted plan is only as strong as its implementation. By collaborating with an advisor who specializes in special needs planning, you can address unforeseen challenges and build a future that truly supports you and your loved ones. Just as you wouldn’t build a house without a trusted contractor, consider a special needs financial advisor an essential partner. Together, we can transform your plan into a lasting reality for your family.
We believe that protecting your family's financial health goes hand in hand with securing their overall well-being. Frequently, low-probability events are overlooked even if they carry severe implications for your well-being because many succumb to optimism bias, the “it won’t happen to us” thought process. One often-overlooked aspect of comprehensive planning is establishing a healthcare directive for your newly adult children. Once your child turns 18, they become legally responsible for their own healthcare decisions. But what happens if they’re suddenly unable to communicate those decisions themselves or still want your voice present in those circumstances? That’s where a healthcare directive—and the associated documents like HIPAA releases—become indispensable.