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RESOURCE LIBRARY

The IHSS Income Trap:  What It Means for Your Social Security Thumbnail

The IHSS Income Trap: What It Means for Your Social Security

If you're a caregiver receiving In-Home Supportive Services (IHSS) income, you've probably heard that those wages aren’t taxable—as long as you live in the same home as the person you’re caring for. That’s true for federal taxes. But when it comes to Social Security, the rules shift. Many people are surprised to learn that IHSS income, while tax-exempt, still counts as earned income under Social Security’s rules—and that can quietly reduce your benefits if you file before your full retirement age.

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Building a Secure Future: Why Working with a Special Needs Financial Advisor Matters Thumbnail

Building a Secure Future: Why Working with a Special Needs Financial Advisor Matters

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.

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How to Start a Care Guide Plan Today Thumbnail

How to Start a Care Guide Plan Today

For any future support team to be successful, we must share the years of invaluable information stored in our heads to those stepping into our shoes. The care guide plan gives us a means to do this so that the future support team has direction and knows what’s expected of them. A well-structured care guide not only acts as a roadmap to the team, but also brings peace of mind to the parent, knowing that our loved one’s unique needs will be met even in our absence.

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 2025 Annual Limits Guide for Families with Special Needs Thumbnail

2025 Annual Limits Guide for Families with Special Needs

As the calendar turns to a new year, it’s more important than ever to stay informed about the annual thresholds governing various areas of financial planning. With 2025 comes a fresh set of limits and figures that may substantially influence your financial strategies. Below, you’ll find the key numbers you should know so that you can make informed decisions and optimize financial plans for both you and your loved one with special needs in 2025.

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