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 your entire plan, 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.
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
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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
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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
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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:
Owning low-cost, high-quality investments
Being Diversified
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?
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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
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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.
During this phase, we organize and evaluate the major pieces of your life (the Foundation)—as outlined in the drop down above—and turn them into a coordinated Roadmap for your family.
To get started, you’ll pay a $500 onboarding fee, with the remaining $3,000 spread evenly over the first six months.
The Foundational Roadmap is not offered as a standalone service. It is the first phase of the ongoing advisory relationship.
$3,500 Initial Planning Fee
Step 2: Ongoing Disability Wealth Management
Flat Annual Advisory Fee
After the Foundational Roadmap is established, we transition from building the plan to helping you implement, manage, and continually update it over time.
Ongoing Disability Wealth Management services may include ongoing planning, investment management, or both. You may choose to add us to your existing team of professionals (financial, legal, tax, etc.) or we can replace those who are no longer a good fit for your family’s needs.
The ongoing annual advisory fee is determined by the service level provided and adjusted by assets managed. It begins after the Foundational Roadmap period, and can be paid monthly or per trimester via ACH, credit card, or assets under management.
Important: At this time, we work exclusively with families seeking a long-term advisory relationship. The Foundational Roadmap is the required first phase of that relationship and is not available as a one-time planning engagement.
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Step 1: The Foundational Roadmap
Jack and Jill are new to Albility Planning and ready to build their specialized plan. Their relationship begins with the Foundational Roadmap.
Initial Payment: $500 to begin onboarding and data gathering.
Monthly: Six equal payments of $500
Total Foundational Roadmap: $3,500
After completing the Foundational Roadmap, Jack and Jill transition into Step 2.
Step 2: Ongoing Disability Wealth Management
Jack and Jill have $425,000 in combined investible assets managed by Albility Planning. Because the firm’s minimum annual fee is $6,000, their ongoing fee is:
Annual Advisory Fee: $6,000
Monthly: $500 per month, OR
Trimester: $2,000 three times per year
Fees may be deducted directly from managed investment accounts or paid separately through ACH.
How the Fee Adjusts as Assets Grow
Jack and Jill’s annual fee is subject to both a minimum and maximum annual fee.
Minimum Annual Fee: $6,000
Maximum Annual Fee: $10,800
A sliding scale of 1% of Assets Under Management is typically applied between the firm’s minimum annual fee and $1.08 Million of assets managed.
Once the household reaches the $10,800 maximum annual fee, additional growth in managed assets does not increase the advisory fee under the current fee schedule.
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.