Special Needs Planning
Creating the Best Possible Life for Your Child
Kastler Financial Planning offers Holistic and Project Based Special Needs Planning for family members and adults with special needs.
When developing your special needs plan, we will listen to your goals and dreams and consider all future funding options to get you there. Our goal is to develop a step-by-step plan for the path ahead. It’s important that you and your child are surrounded by a supportive team. We have the financial expertise and advocacy skills to meet your individual needs regarding special needs life planning, resource planning, financial planning, and legal planning needs.
Planning and Advocacy Push the Boundaries of your Child’s Potential
Let’s Make a Plan!
Where Do I Begin?
Begin with the current development stage that your child with special needs is in and your immediate needs. Begin where you are! It’s never too early or too late to create a plan.
- A Holistic Special Needs Plan combines a parents’ financial plan with a child’s financial and life plan needs. A plan is developed including analysis and projections, recommendations, to-do tasks. A timeline and ongoing assistance as needed.
Do you already have a financial plan?
Update or Supplement your plan with Special Needs Planning to include:
Create a Life Plan: A plan that includes a vision and road map for your child’s best possible life. What will make them happy and fulfilled?
- Friends and a nurturing Circle of Support
- An enjoyable vocation
- Access to their community
- A future home? Living with peers?
Access all potential resources and tools available:
- Private Pay; Public Assistance; Foundations/Non-Profit Trusts.
Legal Planning: Review Estate Planning needs and asset coordination to assure protection of government benefits. Are beneficiaries properly designated and successors identified and up to date?
- Are you financially secure?
- Have risks to your future financial security been evaluated? Are tools being used to manage risks such as disability, estate liability, etc?
- Is your child’s special needs trust funded?
Who we serve
We serve parents, siblings, individuals and other advisors serving someone with special needs. Let’s discuss how we can help you develop a plan or navigate the complex systems of services and supports including education, behavioral and physical health, legal options and person-centered planning. Dream big and create the best life possible – even better than you imagined.
Planning Areas for Creating Your Child’s Best Life Possible
Special Education Services & Accompanying Supports
– How are they preparing your child for the future?
– College and Disability Support Services and Funding
Medical Insurance Choices, Benefits and Appeals
Medicaid insurance programs, services and appeals
Circles of Support –
Family, friends, caregivers & other
important partners. FIND/BUILD YOUR TRIBE!
Transition Planning –
An incredibly important part of your
child’s future independence or
interdependence, happiness and overall
success in the community.
Age Range: ~ 14yrs-30yrs
– Know about the opportunities available
Making the most of Government Benefits for parents and/or their children
Protecting an individuals’ ability to receive future government benefits often involves creating or updating one’s estate plan. Think Wills, Trusts and Beneficiary Designations, and ABLE accounts.
-Ensuring your child will be properly provided for in multiple areas is also very important to plan for.
A ‘Home’ of their own – Your child’s continued growth, happiness and development may depend on it! Explore the options before your child is ready for this step.
Employment / Vocation – The rhythm that most of us need (and the paycheck!) If your child is 14+, they may be able to benefit from pre-employment or employment opportunities and an employment plan. Let’s talk!
Social, recreational and spiritual activities – are other importance elements of your child’s life. Life Planning should identify needs, goals and supports.
Your Succession Plan – Have you decided who will replace you and given them instructions?
Have you allocated funding to help care for your child’s expenses to ensure they have the Best Life Possible?
Special Needs Planning Overview –
If you don’t know where you’re going, you’ll end up someplace else! –Yogi Berra
We share many of your dreams and concerns and are passionate about helping other families with their Special Needs Planning so they have peace of mind and more time to enjoy the best life possible with their child.
As investment advisor representatives of Garrett Investment Advisors, founded in 2011, we do not impose a minimum fee for financial planning, which makes our services accessible to almost everyone–individuals and families just starting out, middle-income do-it-yourselfers and those nearing or in retirement. Whether in the form of a one-time review, second opinion or ongoing periodic advice, our services are tailored to the unique needs of our clients. Financial Planning Process
Plans can be all-encompassing, project specific and tailored to your personal needs. As your situation or needs change, planning should be revisited. We are invested in your needs and the most cost-effective way for you to meet those needs. As fee-only fiduciary planners, we are always putting your best interest before our own.
The intersection of parents planning for their own future as a child with special needs can be complex indeed. Sometimes we have to consider the additional complexity of taking care of our elderly parents too. We’re here to provide strategies and insight for the road ahead with a roadmap and professional support to guide you.
We also help you plan for and make the transition into retirement. As a comprehensive financial planning office, we help you focus on the big picture! Our team cares about our clients. We’ll take the time to get to know you, your goals and help you navigate your financial future for each and everyone in your family.