Personal finances should not be left to chance. Especially when this involves planning for those who are not able to advocate for themselves needs to be considered.

Successful planning for families of the disabled is built on a foundation of facts and guarantees as opposed to hope and risk toleration. Families of the disabled need more than estimates and returns on investments, they need coordinated, economics-based, real-time strategies that include their family’s circumstances.

I cannot tell you how many families I meet explain that they have no hope of ever retiring because they must provide for a family member with a disability. They also worry how that care will continue once they are gone. It’s an enormous problem and the cause of incalculable amounts of anxiety for parents. 

Your retirement does not have to be derailed because you have a disabled child. Neither does your retirement. With the right strategy you can have both. I encourage you to schedule an appointment to find out how we can put you in a better position without additional or costly out of pocket expenses or impoverishing yourself or those you love. You may even be able to create guaranteed income that you can never outlive. We help families with this every. Please make an appointment with me soon.

If your family is one where one of your loved ones has a disability or a special need – do yourself a favor and hire an expert in that field as opposed to any attorney who claims they can do the work. 

Many families live in large cities where thousands of attorneys practice hundreds of areas of law. Where Special Needs are concerned; there is no better case for hiring a professional with expertise in Special Needs or Elder Law. I cannot understate the importance of getting this right the first time. Costs to re-draft poorly written documents or correcting errors within irrevocable plans can be high in terms of money, emotional bandwidth, and the ability of your estate to support your child as you intend. All attorneys are NOT all created equal despite that they have all passed similar bar exams. If you need an expert, but cannot find one, please ask for a referral.

Additional Information Can Be Found Below:

The Social Security Administration provides many types of support which are available to families and individuals throughout many different stages of life. From Supplemental Security Income and Medicaid waivers to Medicare and Social Security, each phase of your life and the life of your disabled dependent, federal support programs can affect family finances and should be considered when planning both temporary and life-long care.

Curate Finance does not employ attorneys. Therefore, we cannot provide legal advice or counsel. However, we understand that establishing guardianship can be scary and full of uncertainty. Please take the time to discuss options and alternatives to guardianship with an attorney who has expertise working with families of the disabled.

 My best days are spent helping families learn how their money works, how to grow it, how to protect it, and how to position themselves to spend and enjoy more of it so they are happier now. 

Learn why most approaches to personal financial planning don’t work or yield the results you want and deserve. Learn the rules around how your money works and how wealth eroding factors effect your efforts to be organized, efficient, coordinated, and measurable. Learn HOW to make the best decisions around finance, HOW one decision effects another, and HOW to weed out all the noise and bad advice by understanding what elements are within your control and which you must plan to combat. Stay Calm, Sound, and Sane in today’s crazy financial climate.

As an advocate for the care and support of your special needs child, I will work to help protect public benefits and coordinate those with your family’s needs and desires now and at every stage of his or her life. 

Create the largest legacy of care – correctly and avoid inadvertently jeopardizing public benefits. 

Ensure that your strategy is carried out in your estate planning documents to minimize taxes, alleviate, or drastically reduce Medicaid Payback opportunities, and develop a coordinated care and support strategy while maintaining financial flexibility including as many guarantees as possible.

We all use the same dollars regardless of our gender. However, the financial industry hasn’t adapted to the unique needs and life circumstances of women. Together we can discuss how your income, career path, family and longevity will impact your ability to build wealth and retain it very differently from the way it works for the men in our lives. Divorce, and choices around when or if you want a family have a greater impact for you than for men. Let’s talk soon so you’re prepared for your best financial life.

 As a retirement income specialist, I help clients secure a retirement income stream they can never outlive and that takes healthcare into account. Clients learn how to preserve their wealth for generations to come. Stop worrying about running out of money, the effect of high healthcare costs or drastically reducing your lifestyle in order to meet the needs of longevity