Disability & Special Needs Planning

— Our Signature Service —

Your family’s future deserves ongoing care, not a one-and-done approach.

That’s why we offer continuous, personalized support across all your finances, from a parent’s perspective.

Above all, our work brings clarity and peace of mind to your biggest questions:

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

  • What will happen to my disabled child when I pass away or am no longer able to care for him/her?

*Enrollment is limited to ensure personalized, ongoing support for every family. Fewer than 25 slots left.

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reserve your spot

Ideal for caregivers who…

Are optimistic and solution-focused, committed to improving their family’s future.

Appreciate a transparent, straightforward approach to costs.

Value a trusted, long-term partner in future planning and guidance.

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

Our Expertise

  • With the goal of taking advantage of every available public benefit, while increasing independence from them.

    For the disabled individual:

    • Income benefits:

      • Supplemental Security Income (SSI)

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

    • Healthcare benefits:

      • Medicaid (including spend down provisions)

      • Medicare

      • Private / Group

    • Supports:

      • State waiver programs

      • Food stamps & SNAP

      • Housing Vouchers (Section 8)

    For the parent(s) / caregiver(s):

    • Social Security:

      • Retirement benefits

      • Social Security Disability Insurance (SSDI)

      • Child-in-care (CIC) spousal benefits

      • Spousal & Survivor benefits

      • Family Maximum Benefits (FMB)

    • Private / Group Insurance

    • Supports:

      • Caregiver Compensation

      • Respite

  • Financial planning for the whole family.

    • Cash Flow - Telling your money where to go, instead of asking where it went:

      • 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

      • Savings order of operations

    • 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

    • The 2 Retirements - One for the parent / caregiver, one for the dependent loved one after parent(s) pass.

      • First Retirement:

        • Net Worth

        • Financial Independence

      • Second Retirement:

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

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

  • Investments as the fuel to the plan.

    • Investment Philosophy: Personal & Passive — We believe markets are efficient, and therefore utilize a passive investment philosophy that focuses on the areas investors can control:

    1. Owning low-cost, high-quality investments

    2. Being Diversified

    3. Taking advantage of opportunities

    • Asset Allocation - How the assets are invested, vs. Asset Location Maximizing after-tax return

    • 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

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

      • Health Care / Medical Directives

    • 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

  • The non-financial, non-legal aspects of your loved one’s every-day-life.

    • Family Meeting - These 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

Your Path to Peace of Mind

Step 1: Foundational Roadmap

Start with a comprehensive plan designed around your family’s unique needs. We’ll map out your investments, benefits, and strategies to help secure your child’s future.

To get started, you’ll pay a $500 onboarding fee, with the remaining $3,000 spread evenly over the first six months.

$3,500 One-Time Fee

Step 2: Ongoing Disability Wealth Management

Flat Annual Fee (Adjusted by Assets Under Management)

For families seeking long-term support, we deliver proactive financial planning, investment strategy, and ongoing disability & special needs planning—all for a flat annual fee.

The annual fee begins after the six-month Foundational Roadmap period and can be paid monthly or per trimester. The annual fee is based on total assets under management.

  • Step 1: The Foundational Roadmap

    Jack and Jill are new to the firm and ready to build their specialized plan. They begin with the Foundational Roadmap.

    • Upfront Cost: $500 to begin onboarding and data gathering.

    • Process: $500 per month for the next 6 months (Totaling $3,500).

    Step 2: Ongoing Disability Wealth Management

    Once the Roadmap is complete, Jack and Jill transition to Step 2: Ongoing Disability Wealth Management. With $425,000 in combined assets, their fee structure is straightforward:

    • Annual Fee: $6,000 (The firm’s minimum annual fee).

    • Billing Choice: Paid in arrears at $500 per month or $2,000 per trimester. Fees can be deducted from investment accounts or paid via ACH.

    In effect, their monthly fee stayed the same from Step 1 to Step 2.

    Growth & Capped Fees

    As Jack and Jill’s assets grow, their fee scales with them—but only up to a point.

    • Between $600k and $1.08M: The fee adjusts to 1.00% of assets under management.

    • The Household Cap: Once their assets exceed $1.08M, their annual fee hits the maximum cap of $10,800. No matter how much their wealth grows beyond that, their professional management fee stays locked at that ceiling.

Let’s Start Planning

Take the first step toward securing your family’s future.

Fill out the form below to book a free consultation. Discover how personalized planning can bring clarity and confidence to your journey.

Á La Carte Services

Ability Planning also offers tailored, à la carte services for those seeking guidance beyond our flagship service. Offerings include:

  • Traditional Financial Planning: For individuals and families without disability-planning needs.

  • Investment Management Only: For those focused on building wealth and protecting their nest egg.

  • Insurance Services: Life, disability, long-term care, and group benefits.

  • Group Coaching: Join our Facebook group for more information.

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