UNIQUE NEEDS REQUIRE SPECIALIZED KNOWLEDGE

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Comprehensive Financial Planning

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Comprehensive Financial Planning with Special Needs in Mind

At PATS 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.

Comprehensive financial planning is the most common reason that clients come to see us. Often, when we see someone for the first time, there is so much going on in their lives they are completely overwhelmed trying to figure out where they want to do and how to get there. That is where we come in. We help navigate your current situation from the very beginning by setting your path to financial security.

Globally, there are 1.3 billion people with a disability. In the United States alone, one-in-five Americans will experience some sort of disability in their lifetime. Among those who are caregivers, nearly two-thirds are very concerned about outliving their retirement income and over half are unaware of how to establish a lifetime financial plan for their special needs dependent(s). We work together with individuals with disabilities, caregivers, and support teams as part of the team to create a well-planned and balanced financial life. We at PATS are constantly educating ourselves in government and legal instruments regarding special needs and know that as a team, we can come together to shape a financial future for our clients.

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.

There are no fees for an initial consultation. We like to develop a conversation naturally with you and set goals together. If financial planning seems like the right path, there is a flat fee to create a comprehensive financial plan catered specifically to your needs. We never recommend any specific products during the planning process because we want you to know that our goal is to look at your situation and come up the appropriate solutions to help you work towards your goal.

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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Securities offered through LPL Financial, Member FINRA/SIPC

 

 

 

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

 

 

The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: CA, CT, FL, MA, NY, PA, SC, VA, VT

 

 

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