Albility Planning’s Services

At a glance

  • Disability & Special Needs Planning

    Comprehensive planning designed to help parents and caregivers navigate the complexities of disability and special needs planning with confidence.

    Ideal for parents and caregivers who:

    - Are optimistic and solution-oriented—focused on improving their situation.

    - Want a trusted, long-term partnership for planning their family’s future.

    - Appreciate a clear, straightforward cost structure.

    - Have at least $150,000 in annual income, $250,000 in investible assets, or a balanced combination of both.

    *Limited to 50 households to ensure dedicated attention to your family

    Pricing & More

  • A La Carte Services

    Albility Planning also offers custom a la carte services for those seeking help outside our flagship service. They include:

    - Hourly Advice: $200/hr, limited to 3 sessions

    - Traditional Financial Planning: $3,500/annually

    - Investment Management Only: Based on account value(s), capped management fee

    - Insurance Services (Life, Disability, Long-term Care, Group Benefits)

    - Coaching (budget, debt, and basic savings)

    Please reach out to Albility Planning to learn more about these custom a la carte services.

    Learn More

Disability & Special Needs Planning

Disability & Special Needs Planning description

Our flagship service. Disability & Special Needs Planning is a process, not a product. We provide ongoing, personalized planning and advice, with a parent’s perspective. Most importantly, our planning brings clarity and peace of mind to your biggest questions:

  • How do I give my family and loved one with special needs or a disability the best possible life, now?

  • What will happen to my loved one with special needs or a disability when I pass away or am no longer able to care for him/her?

This planning and advice covers all aspects of your finances.

For whom this service is best

For parents and caregivers. We’ve found this service is best for those committed to ongoing personalized planning, who are seeking solutions for wealth building & protection, benefit maximization, estate & legal organization, tax efficiency, and family support structuring. It tends to be most cost-effective for those with income of $150,000 +, investible money of $250,000 (though, we have no account minimum) +, or some lesser combination of each.

This service is limited to 50 households to ensure dedicated attention to your family.

What we do

(click the dropdown arrow to expand):

  • Understanding and prioritizing eligibility of public benefits such as:

    • Supplemental Security Income (SSI)

    • Social Security Disability Insurance (SSDI), including the Disabled Adult Child (DAC) benefit

    • Medicaid and Medicare

    • State waiver programs

    • Your company’s group benefits.

    Most importantly, how to protect these benefits.

    • Cash Flow - Understanding what’s coming in and what’s going out:

      • An in depth analysis of your current spending plan

      • A future analysis of the income and expenses your child with a disability or special needs might have to determine how much is still needed to cover all needs

    • Risk Mitigation - Planning for all conceivable scenarios that could blow up your plan. Specifically, we cover:

      • Debt pay down strategies

      • Emergency cash reserve

      • Life Insurance, Disability Insurance, Long-term Care Insurance

    • Wealth Strategies - Growing your money, assets, and wealth by focusing on:

      • Net Worth

      • Financial Independence, or Retirement

      • Investment strategies including how to incorporate an ABLE and Special Needs Trust account funding

      • Savings order of operations

    • Tax Optimization - Keep as much money in your pockets now, and reduce Uncle Sam’s beneficiary interest when you pass

  • Professional investment management included in all Comprehensive Special Needs Planning, regardless of account size.

    • We believe markets are efficient, and therefore utilize a passive investment philosophy that focuses on the areas investors can control:

      • Owning low-cost, high-quality investments

      • Being Diversified

      • Taking advantage of opportunities

    • Risk Analysis - your portfolio exposed to too much risk? Not enough risk? Our analysis helps you understand what is best for your situation.

    • No product sales, no commissions, no hidden, nickel-and-dimed fees - Simple, transparent. Need we say more?

    • Decision Making - Ensuring your child has the proper support for their decision making needs by including:

      • Guardianship, Conservatorship, Supported Decision Making, Powers of Attorney, or a “Micoboard” strategy

    • Asset Protection - Ensuring the wealth you’ve built is maintained and transferred the most efficient way possible

      • Wills, Trusts, and/or Special Needs Trusts

      • Beneficiary designations

      *Note: We are not attorneys and therefore do not provide legal document drafting or give legal advice

    • Family Meeting - This recurring meetings ensures everyone involved in your family’s planning understands the important nuances and implications of our careful planning, and how they might fit into it

    • Emergency Plan - This takes into account the first 24 hours, as well as the first month after an emergency such as death of a parent or parents

    • Letter of Intent - The “playbook” as we like to call it. The Playbook describes in detail the many things someone would need to know about caring for your child with a disability or special needs including their likes/dislikes, routines, medications, hobbies, schedule, etc.

    • Housing - Where your child with special needs will live is undoubtedly one of the more important questions we will answer. As they work towards independence, or after you pass, determine a suitable housing situation is crucial

    • Caregiver Compensation - Some states and organizations provide compensation to parents who act as caregivers to their child(ren) with a disability or special needs. We want to understand it and decide if it makes sense for you.

Disability & Special Needs Planning cost

$5,000 Annually

  • One-Time onboarding of $500, due at start

  • Remaining is billed monthly or per trimester

    • We accept ACH bank transfers, credit card, checks, or debits from managed investment accounts

  • Includes the management of investments on the first $500,000*

Why should you pay more just because you have more--especially if the work doesn't change? Like traditional advisors, we used to charge a percentage of assets under management that increased perpetually—but that just didn’t sit right with us, because it often benefits the professional more than the client! We've taken a different approach, featuring a flat-fee structure based on what it truly costs to provide high-quality, comprehensive planning. No percentages, no hidden fees, and no conflicts of interest—just fair, transparent pricing and advice that always puts you first.

Optional Add-Ons

Additional Investment Management:

  • *Next $500,000 managed (up to $1 Million): + $1,000 Annually

  • $1 Million+ managed: + $2,000-$5,000 Annually

Will & Trust Document Preparation

  • Will, Trust, Special Needs Trust, Directives, Powers of Attorneys: + $1,000 One-Time

Cost Example:

Jack and Jill become first-time clients in February. They will pay $5,500 over the course of the first year, which includes the $5,000 annual planning cost, plus the $500 one-time, up front, onboarding cost. $500 is paid in February to start the process, with their first monthly installment coming one month later at the end of march, in the amount of $416.66.

After their first year, billing switches to trimester installments every 4 months, in the amount of $1,666.66.

| Satisfaction Guarantee |

We're committed to giving you the best possible experience!

| Satisfaction Guarantee | We're committed to giving you the best possible experience!