74 Batterson Park Road, Flr. 1
Farmington, CT 06032

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Financial Planning For Special Needs Families

Home   »   Comprehensive Financial Planning for Special Needs Families

Financial Planning with for special needs families

At Planning Across The Spectrum we start by asking “why” rather than just asking “how”. Why are we here and where would we like to end up? Together we need to try and understand the kind of life you want, your values, and what is most important to you. We look at your situation on a personal level. This is not the time for cookie-cutter advice and we want to make sure that you are treated with the utmost personal care and respect.

We also understand that a financial planner can seem like a daunting task, and we have various options to help you achieve your goals.


Option 1

Meet with a Special Needs Advisor

  • Recommended for families of children with intellectual and/or developmental disabilities, in the transition ages of 14-21, who need help navigating the maze of available services and
  • Special Needs Advisors provide advice on benefits, resources and potential obstacles to families and individuals with intellectual and/or developmental disabilities to achieve a desired level of independence. The meeting typically results in an achievable action plan for clients to execute on their own or with help from the Special Needs Advisor and/or professional resources such as a financial planner, attorney,

An action plan may include, but is not limited to, applying for State/Federal benefits, guardianship vs. supported decision-making, Medicare/Medicaid, and other recommendations

Option 2

Meet with a Financial Advisor

  • Recommended for families of children with intellectual and/or developmental disabilities and/or self-advocating individuals who don’t require assistance with services or
  • A Financial Advisor listens to a client’s financial goals. A meeting typically results in a financial review and follow-up meetings to explain a comprehensive action plan to achieving or managing financial
  • The action plan may include, but is not limited to, advice on saving accounts and investments, and insurance. Clients may choose from as needed or monthly support to maintain their


Option 3

Meet with a Special Needs Advisor and a Financial Advisor

  • Recommended for families of children with intellectual and/or developmental disabilities and/or self-advocating individuals who need help identifying available services and resources while solidifying their financial
  • The Special Needs Advisor will create a custom, recommended action plan for the client and refer the client to a Financial Advisor to help execute the action plan. Each Advisor will meet separately with the
  • Special Needs and Financial Advisors are experts and can help special needs families or self-advocating individuals make strategic decisions to create a roadmap for the future including, but not limited to, State and Federal benefits, investments, and


We understand that long-term financial planning for special-needs can be complicated and challenging, especially when it comes to legal hiccups surrounding disabilities. This is why we are specifically licensed and trained to help clients through the process of navigating all of these routes while making the journey as easy as possible for you. As a Chartered Special Needs Consultant, Andrew is educated specifically in helping with the unique concerns that come with individuals with special needs with honesty, ethics, and compassion. A ChSNC® can navigate the unique considerations, estate planning, special needs trusts, life insurance, tax deductions, healthcare issues, Medicaid complexities, and the emotional aspects of providing for a loved one with a disability.

You will find below a list of some specific financial planning areas we can help you with:

  • Special Education planning
  • Disability Law
  • Special Needs Trusts
  • Life Insurance
  • Government Benefits
  • The ABLE Act
  • Estate Planning
  • Guardianship and Conservatorship
  • Retirement Planning for the care team as a whole
  • Financial Planning and Funding Options

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Investment advice offered through Private Advisor Group, a registered investment advisor. Private Advisor Group and Planning Across the Spectrum are separate entities from LPL Financial




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74 Batterson Park Rd Floor 1, Farmington, CT 06032​

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