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Father and toddler boy swimming in pool.


Congratulations on the birth of your child!

You are at the start of a new journey and will face different challenges.  Planning a future will be different and have challenges.

After many months of anticipation, the day has finally arrived and you are now parents of a wonderful baby.  Some parents may have known about their child’s special needs in advance, but regardless of how much advanced notice, you are never quite prepared.

Long-term special needs financial planning can be challenging, especially with the complex legal and governmental issues surrounding disability. The wrong decision might create a tax burden or render a loved one ineligible for government benefits. However, by properly planning, understanding government benefits, and utilizing the right legal instruments, you can help ensure your loved one enjoys the quality of life they deserve.


  • Ask your pediatrician about Early Intervention services in your area.

  • Identify local support agencies that specialize in providing information and services for your child’s specific needs.

  • Do not assume that the Government will fully provide for your child’s lifetime needs. Find your voice for advocacy.

  • Maintain a balance in your overall planning to include the needs for other children as well as your own needs – both personal and financial.

  • Determine an adequate amount of life insurance needed in the event of a premature death of a caregiver.

  • Do NOT establish savings or investment accounts in your child’s name.  These include custodial accounts of Uniform Gifts to Minors Accounts (UGMA) or Uniform Transfer to Minors Accounts (UTMA) and possibly 529 college savings accounts.

  • Communicate your plans  with grandparents and others who may be involved in your child’s life personally and financially.

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