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Personal Needs Analysis

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Dependents with Special Needs

Five-Step Planning Process

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Dependents with Special Needs

With special needs, knowledge can make a world of difference

As a parent or guardian of a person with special needs, becoming as educated as possible will:

  • girl at whiteboardempower you to make informed decisions,
  • take appropriate action and
  • help provide a secure future for you and those who depend on you.

Whether a family has substantial means or few assets, a child or an adult with special needs, it is critical for the family to take the time to develop and implement a customized plan. Lack of planning, or worse getting advice from someone without expertise, can impact everyone's future.

At the same time, there are strategies specific to families with dependents with special needs that will require guidance from several qualified specialists. Every situation is unique, so it is imperative to consult with legal, financial and social services professionals with "special needs" expertise.

Beyond one day at a time...
Day to day care and devotion required by someone with special needs is often all consuming, inhibiting parents or caregivers from looking beyond "one day at a time." Regardless of the degree of limitation, all parents and caregivers of those with special needs share a hope that their loved one will live a long, productive and happy life. The emphasis is on abilities and building a future where your child with special needs has both the physical care and support they need, and the financial resources to pursue a lifetime of opportunities — a good life.

To help you prepare for the future of your dependent, review the Five-Step Planning Process.


To learn more, contact
one of our Financial Representatives
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