Advicers.The community for everyone in financial advice who cares about techJoin · $49/mo →
Pick your niche / Niche moments
Special needs families

10 moments for families with special needs.

Name the moment, not the job title. Each one has a hook line to open a post or video with, its ringtone (the letter, bill or date people react to before they think) and what's at stake.

  1. A diagnosis

    “A new diagnosis changes your family's plan. Start with a special needs trust.”
    Ringtone
    The diagnosis
    What's at stake
    Protecting benefits eligibility.
  2. Protecting benefits eligibility

    “Leaving money directly to your child could cost them their benefits.”
    Ringtone
    Updating the will
    What's at stake
    SSI and Medicaid asset limits.
  3. Opening an ABLE account

    “An ABLE account lets your child save without losing benefits.”
    Ringtone
    A benefits review
    What's at stake
    ABLE accounts.
  4. Turning 18

    “Your child turns 18. Guardianship and SSI applications start now.”
    Ringtone
    The 18th birthday
    What's at stake
    Adult benefits and legal decisions.
  5. Letter of intent

    “Write down what only you know about your child's care.”
    Ringtone
    A caregiver change
    What's at stake
    Continuity of care.
  6. Life insurance to fund a trust

    “Life insurance can fund your child's trust when you're gone.”
    Ringtone
    A policy review
    What's at stake
    Funding lifetime care.
  7. Choosing a trustee

    “Who manages the trust after you? Choose carefully.”
    Ringtone
    Drafting the trust
    What's at stake
    Trustee selection.
  8. Siblings' role

    “Will siblings be caregivers? Talk about it.”
    Ringtone
    A family meeting
    What's at stake
    Family expectations.
  9. Housing for an adult child

    “Planning where your adult child will live? It affects benefits.”
    Ringtone
    A housing waitlist
    What's at stake
    Housing and benefits.
  10. Your own retirement

    “Caring for your child shouldn't cost your retirement.”
    Ringtone
    A retirement check-in
    What's at stake
    Balancing goals.

Make a video about one See advisors for families with special needs

General education, not financial advice. Check rules and figures against current law before you publish.