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Special Needs

If you have a child who has special needs, you may have special financial-planning issues—you may need to save extra money and navigate government systems to pay for therapies and education, you may need life insurance for longer than 20 or 30 years, and some savings strategies that work for other families could jeopardize your child’s opportunities to receive government benefits. Some planning tools include ABLE accounts and special-needs trusts.

Adult with a disability and family member reviewing financial planning documents.

ABLE Accounts and Special Needs Trust Planning Guide

Learn how ABLE Accounts work alongside a special needs trust to help preserve benefits while supporting disability-related expenses.

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Special Needs Financial Planning

Special Needs Financial Planning: What Families Need to Know

Learn how a special needs trust can support a loved one with a disability, protect assets, and help maintain government benefits.

A man pushes another man in a wheelchair in a park.

Addressing Financial Planning Challenges of Families Raising Children With Disabilities

Work with your CFP® professional to ensure you have assembled a team of professionals and support networks that includes the appropriate medical professionals, therapists, social workers and legal advisors with an eye to special needs. Family members, particularly those involved in daily care or decision-making, should also be included.

Navigating Social Security for Families With Disabled Adult Children

Navigating Social Security for Families With Disabled Adult Children

Planning for your Social Security benefits can be complicated. Having a financial advisor review your Social Security earnings history and retirement estimates is always a good idea to help you get the most out of your personal benefits. When you have an adult child with a disability, this is especially important, as the Social Security filing process will have an added layer of complexity.

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These terms and conditions govern your use of the Find a CFP® Professional Search feature on Certified Financial Planner Board of Standards, Inc.’s (“CFP Board”) Let’s Make a Plan website (www.LetsMakeAPlan.org).

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