Special Needs Wealth Management Services
Wealth management built around the full complexity of your family.
Special needs wealth management requires more than an investment strategy. Every financial decision has downstream consequences for benefits, legal structure, and long-term care. That’s why we start here.
Money Drives The Entire Plan.
Here’s something that surprises many families: the financial part of special needs planning is often where the highest stakes live. Because every financial decision has downstream consequences that most planners never consider.
How assets are titled affects benefits eligibility. The type of account used can create disqualification. An inheritance structured incorrectly can do real harm. A retirement plan that doesn’t account for the lifetime cost of care will fall short — because the plan never accounted for what the family actually needs.
We manage wealth with all of that in view. Not just returns. Outcomes.
What Working With Us Includes.
CARE — Benefits Coordination and Lifetime Planning
Understanding what’s available at every stage — SSI, Medicaid, Medicaid waivers, ABLE accounts, school system supports, the Disabled Adult Child (DAC) benefit — and how financial decisions interact with those programs. We help families map what changes at 18, at 22, at a parent’s retirement, and beyond. And we plan for what happens when they’re no longer here.
PROTECT — Special Needs Trusts, ABLE Accounts, and Legal Structure
Most families start with a trust or a will. But unless the support and financial structure are defined first, those documents may not serve the family well. We work alongside estate planning attorneys to make sure every document, account, and title is structured correctly — and that the legal and financial pieces are actually working together, not just existing side by side.
When assets are structured incorrectly, they can disqualify your loved one from SSI, Medicaid, and other essential programs. We help families structure accounts, trusts, and inheritances so that the wealth you build works alongside government benefits — not against them.
GROW — Active Wealth Management with the Full Picture in View
Investment management is the engine that funds the entire plan. We provide active wealth management through our affiliation with Sound Income Strategies, LLC — with every portfolio decision made in the context of the family’s complete picture: care cost projections, benefits structure, time horizon, and the transitions ahead. Cash flow has to align with care timelines. Investment growth has to match real-life costs. That’s what we plan for.
What The Process Looks Like.
First Conversation
A short introductory call to understand your family’s situation and whether we’re the right fit. No commitment, nothing to prepare, no cost.
Full Assessment
Together we review your current financial picture, legal documents, benefits situation, and care planning. The goal is a clear, honest look at what’s already coordinated — and where the gaps are.
Coordinated Roadmap
Where the plan takes shape: a paid engagement that aligns your investments, legal structure, benefits, and long-term care into one strategy you can act on with confidence. It’s a defined piece of work with a set fee, and it’s yours to keep whether or not we manage your assets from there.
Asset Management
As an investment advisor, we manage the accounts your family’s future depends on — 401(k) rollovers, IRAs, taxable brokerage, and Special Needs Trust investment accounts — all invested with your whole plan in view. As your situation changes, we stay involved: adjusting investments, monitoring how they interact with benefits, and keeping everything coordinated.
A family’s situation changes over time. We stay involved as the plan evolves — adjusting investments, monitoring benefits, and keeping everything coordinated.
Ready to find out where things stand?
A 15-minute call is all it takes to understand whether everything is coordinated — or where the gaps might be.