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Special Needs Wealth Management, Built for Your Family

Most financial plans weren’t designed for a special needs family. Yours should be.

All Needs Planning® provides wealth management and special needs financial planning together, under one roof. Founded by parents of children with special needs, which means we understand this from the inside out — professionally and personally.

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We Work With Families Like Yours, Because Your Family Is Just Like Ours.

We’re a team of moms who also happen to be credentialed financial planners, investment specialists, advocates, and benefits planners. All Needs Planning didn’t start as a business idea. It started with our own diagnoses, our own kitchen tables, our own fear of getting it wrong.

We built this firm because the right kind of help didn’t exist.

Every family we work with has access to our full team — an investment strategist, a chartered special needs consultant, a benefits planner, and a client experience specialist. Not in parallel. Together.

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The Unintended Gaps Are Where Plans Silently Fail.

Family of five walking together outdoors surrounded by flowering trees

Most families we meet are doing everything they know to do. They’ve established a Special Needs Trust, opened an ABLE account, and are working with a financial advisor.

The challenge isn’t that they’re missing a piece—it’s that no one is making sure all the pieces work together.

That’s why we built All Needs Planning.

We’re a wealth management firm, and that’s where our work starts—because your investments are the engine that funds everything else: the trust, the care, the decades of support your loved one will need long after you’re gone. As an investment advisor, we manage that money under a fiduciary duty, every decision made in your family’s interest, with your whole picture in view.

From there, we coordinate the rest: Special Needs Trusts and ABLE accounts funded and titled so they protect benefits instead of jeopardizing them; SSI and Medicaid preservation is mapped to what changes at 18, at 22, and beyond, and estate structure handled directly with your attorneys. One plan, built so your investments, benefits, trust, and care all support your child’s future and your own retirement, instead of pulling against each other.

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We Do the Investment Work. And Then We Do All of This Too.

Active portfolio management is the foundation. Investment management is the engine that funds the entire plan. What makes All Needs Planning different is that we build the entire plan under one roof, with one coordinated team.

Comparison: All Needs Planning vs. Traditional Advisors
ServiceAll Needs PlanningTraditional Advisors
Investment Management✓✓
Financial Planning✓✓
Risk Management & Protection✓✓
Estate Planning✓✓
Special Needs Trusts & Estate Planning✓X
Care Plan & Respite Care Planning✓X
SSI, Medicaid, & Government Benefits Planning✓X
Medicaid Waiver Coordination✓X
Transition to Adulthood Planning✓X
Letter of Intent Guidance✓X
Advocacy & IEP Support✓X
Two-Generation Income Planning✓X

Coordinating all of this can feel overwhelming. That’s why we’ve built a truly integrated team—bringing together a financial planner, investment strategist, special needs advocate, and benefits planner who work from the same plan and collaborate on every major decision.

When legal documents are needed, we partner with experienced estate planning attorneys who focus on Special Needs Trusts and estate planning, ensuring the legal strategy supports your family’s broader financial, benefits, and care plan.

The result is fewer silos, fewer missed opportunities, and greater confidence that every part of your plan is working together.

We built All Needs Planning so you can spend less time coordinating professionals and more time focusing on what matters most: caring for your family, enjoying life together, and knowing there’s a plan for the future.

Not sure where to start? Join a free workshop.

Practical, no pressure, and open to families at any stage of planning.

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Every Plan We Build Is Organized Around Three Questions.

“What does a lifetime of support look like for your loved one — including when you’re no longer here?”

Benefits Coordination and Lifetime Planning. SSI, Medicaid, Medicaid waivers, ABLE accounts, the Child Disability Benefit (formerly DAC) benefit. We map what changes at 18, at 22, at a parent’s retirement, and beyond.

“Is your special needs plan structured to protect all members of your family?”

Special Needs Trusts, ABLE Accounts, and Legal Structure. We work alongside estate planning attorneys to make sure every document, account, and title is structured correctly.

“Is your wealth being managed with your full family picture in view?”

Investment management is the engine that funds the entire plan — with every portfolio decision made in the context of the family’s complete picture.

You Might Recognize Yourself Here.

The most common conversation we have with our clients starts like this…

“I’m just starting to figure this out.”

Start with the free workshop. It’s the clearest overview of the full planning picture, with no commitment.

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“Pieces are in place. Not sure they’re working together.”

Book a 15-minute call. We’ll tell you honestly whether everything is coordinated.

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“Something just changed and we need help now.”

An inheritance. A parent’s passing. A child turning 18 and losing services overnight. Call us. We can move quickly.

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As Seen In:

TEDx
MassMutual
The Spokesman-Review
Rethinking65
Huckleberry Press

What Families Say After Working With Us.

“I cannot fully express how grateful I am to have found you. I have wept with relief several times this week already, just from the knowledge that we are not alone.”

— Michele G.

“Your professional competence is complemented by true empathy and a deep, personal understanding of the challenges people in our situation experience.”

— Dan M.

Testimonials are from current clients, unsolicited, with no compensation provided. Investing involves risk, including the possible loss of principal. Past performance is no guarantee of future results. Investment Advisory Services offered through Sound Income Strategies, LLC, SEC investment advisory Firm (#173272). All Needs Planning® and Sound Income Strategies, LLC are not associated entities.

Questions Families Ask Most.

We hear the same questions at every workshop, on every first call, from every family — regardless of where they are in the planning process. Here are honest answers to the ones that come up most.

Fair question—you’re trusting us with the money that has to last your loved one’s lifetime, so you should ask. All Needs Planning is an investment advisor, which means we manage your investments under a fiduciary duty: we’re legally required to act in your family’s best interest, not to sell you products. Our team brings more than two decades in financial services—including a Series 65 and roles at established investment firms—alongside credentials specific to this work, like the Chartered Special Needs Consultant (ChSNC®) designation. So you’re getting real investment management, built by people who also understand how a single portfolio decision can ripple into benefits eligibility, trust funding, and long-term care.
The question isn’t whether your advisor is skilled—it’s whether they’re trained for this specific situation. Managing investments for a family planning around a Special Needs Trust, SSI, Medicaid, and a lifetime of care is a different discipline than planning for a standard retirement. It’s the difference between a family doctor and a specialist: both essential, but you want the specialist when the complexity is this high. Some families move their investment management to us so it’s fully coordinated with the rest of the plan, while others keep their advisor and bring us in to make sure every piece is working together. Either way, the goal is the same—one coordinated strategy instead of good decisions made in separate rooms.
At 18, Social Security reassesses eligibility using only your child’s income and resources — not the family’s. If your child has more than $2,000 in their own name, they can be disqualified. This is one of the most important planning moments a family faces, and one most families aren’t prepared for. The accounts, the trust, the ABLE account — all of it needs to be structured correctly before that birthday arrives.
A Special Needs Trust holds assets for your child’s benefit without those assets counting against SSI or Medicaid eligibility. Money from you, from grandparents, from an inheritance or settlement can support your child’s life without costing them the benefits they depend on. If your child may ever receive SSI or Medicaid and you want to leave anything to them, a Special Needs Trust isn’t optional. It’s foundational.
They serve different purposes and work best together. An ABLE account is controlled by your loved one and designed for day-to-day disability-related expenses. A Special Needs Trust holds larger assets contributed by others — inheritances, settlements — without affecting benefits. A coordinated plan uses both: the trust protects what you’ve built, while the ABLE account gives your loved one flexibility and independence.
A Letter of Intent is one of the most important documents a special needs family can create — and it’s not a legal document at all. It’s a detailed guide, written by you, for whoever steps in to care for your loved one after you’re gone. It covers routines, preferences, doctors, fears, joys, and the vision you have for their life. No trust or will can capture that. A Letter of Intent is how you make sure the people who come after you understand your child the way you do.
The Disabled Adult Child benefit allows an adult with a disability — if the disability began before age 22 — to receive Social Security benefits based on a parent’s earnings record when that parent retires, becomes disabled, or dies. This can significantly change the shape of a family’s financial plan. DAC benefits are separate from SSI and can be considerably higher. Many families don’t know this program exists. Families who plan for it early are in a much stronger position.
Medicaid waivers fund home and community-based services — respite care, day programs, personal support, housing assistance — for individuals with disabilities. Waitlists in many states run years long, which means the time to apply is now, not when you need it. Understanding how Medicaid waiver programs interact with your financial plan is a critical part of care planning, and something we factor into every family’s strategy.
Yes — but only if the money goes to the right place. Gifts made directly to a person receiving SSI can disqualify them from benefits the moment assets exceed $2,000. Instead, family members should contribute to the Special Needs Trust or the ABLE account. One of the first things we help families do is make sure the people who love their child know exactly how to give in a way that actually helps.
It means your retirement plan and your child’s lifetime care plan have to work together — not separately. Most financial plans are designed around one question: when can you retire? For special needs families, the question is different: how do you build enough security for your own retirement and fund a care plan that may extend decades beyond your own lifetime? These two timelines have to be planned simultaneously, or one will undermine the other. This is the work we do.
Start now. The transition to adulthood — when school services end, legal adulthood begins, and benefits eligibility shifts — is one of the most disorienting periods a special needs family navigates. If you’re in it now or approaching it, a first call with our team is the fastest way to understand what’s most urgent and what can wait. We help families move quickly when they need to.
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