Welcome to Albility Planning!

WHERE SPECIAL NEEDS PLANNING MEETS TOTAL WEALTH MANAGEMENT

Hi! I’m Tanner, and like many of the families I work with, I’m also a parent of a child with special needs. My wife and I adopted one of our children from Colombia, and her rare syndrome brought us into the disability and special needs community in a very personal way.

That experience, combined with my background in financial planning, inspired me to create Albility Planning—a place where families can find clarity, confidence, and support as they navigate the unique challenges of disability and special needs planning. No family should feel alone in this journey. I’m here to walk it with you.

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Albility Services

  • Guidance on taking advantage of every available public benefit, while increasing independence from them.

    For the Disabled Individual

    • Income benefits such as SSI, SSDI & DAC

    • Healthcare benefits such as Medicaid & Medicare

    • Supports such as waivers, SNAP & Housing vouchers

    For the Parent/Caregiver

    • Social security & spousal benefits like Child-In-Care

    • Supports like respite & caregiver compensation

    Our priority is to ensure benefits remain secure while supporting long-term planning.

  • Financial planning for the whole family. Manage today’s needs and prepare for tomorrow, including:

    1. Cash Flow Analysis of current spending while planning for future income & expenses to ensure maximum security

    2. Risk Mitigation to plan for whatever the future might bring. Specifically, we cover:

      • Debt pay down strategies

      • Emergency cash reserve

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

    3. The Two Retirements for the parent/caregiver and for the dependent loved one after parent(s) passing:

      • First Retirement: Net Worth & Financial Independence

      • Second Retirement: Investment strategies that leverage ABLE accounts & Special Needs Trust funding

    4. Tax Optimization to maximize today’s take-home income and minimize estate taxes for your child

  • Investments fuel the plan. Our approach is:

    • Focused Efficiency: Prioritize high-quality, diversified investments you can control

    • Asset Allocation vs Asset Location: how the assets are invested vs maximizing after-tax return

    • Risk-Alignment: Ensure your portfolio has the right amount of risk for your unique situation

    • Transparency: No commissions or hidden fees!

  • Ensuring your legal documents match your family’s plan:

    • Decision Support: Guardianship, conservatorship, supported decision-making, powers of attorney, healthcare, or “Microboard” strategies

    • Asset Protection: Wills, Trusts, Special Needs Trusts, & beneficiary designations to preserve & efficiently transfer wealth

    *Note: We are not attorneys & therefore do not draft legal documents or give legal advice

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

    • Family Meetings: Keep everyone aligned on planning decisions & their roles

    • Emergency Planning: Address the first 24 hours & first month after a crisis

    • Letter of Intent: A detailed “playbook” covering your child’s routines, medications, hobbies & care preferences

    • Housing: Plan for safe, suitable living arrangements as your child gains independence, especially after you pass

Your Path to Peace of Mind

Step 1

The 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.

Step 2

Ongoing Disability Wealth Management

For families seeking long-term support, we deliver proactive financial planning, investment strategy, and ongoing disability & special needs planning.

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.