Fee-only advisors specializing in special needs trusts and benefits coordination.
Special needs financial planning is a combination of trust structure, benefits preservation, and intergenerational coordination. Simple inheritance can disqualify a beneficiary from SSI/Medicaid, costing hundreds of thousands of lifetime benefits. Properly-structured Special Needs Trusts (SNTs), ABLE accounts, and letters of intent require speciali
Situations we handle
- My child will never be able to manage money — how do we provide lifetime support?
- What's the difference between a first-party and third-party SNT?
- ABLE accounts — when do they make sense vs a full SNT?
- My sibling's special-needs child is an inheritor — how do I structure gifts?
- Letter of intent — what should it cover?
- Who should be trustee — family, professional, or a pooled trust?
Why a specialist. Special needs planning is a minefield: a well-meaning but uninformed grandparent gift can disqualify a beneficiary from Medicaid for years. SNT drafting is legal work, but structuring — how much goes in, from whom, funded by what — is financial planning. A specialist has seen the edge cases; a generalist hasn't.
Tools & guides
Special Needs Trust Funding Calculator
Estimate lifetime SNT funding need based on life expectancy, annual support needed, and benefits-preserved income.
Special Needs Financial Planning Guide
Detailed framework — rules, tradeoffs, and common mistakes.
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