Planning for the Future: A Financial Guide for Families with Special Needs

Raising and caring for a loved one with a disability comes with unique joys, challenges, and responsibilities. For many families, one of the most difficult questions to answer is: How do we make sure they’re taken care of, even after we’re gone? Special needs financial planning isn’t just about money—it’s about building peace of mind. It requires thoughtful coordination between legal, financial, and tax strategies to ensure your loved one maintains access to benefits, receives appropriate care, and is supported well into adulthood. This guide outlines the key components of an effective financial plan for families with a child or dependent with special needs.