What Issues Should I Consider for My Child With Special Needs?

Financial planning for a child with special needs carries an added layer most families don't have to navigate: providing for a loved one in a way that doesn't inadvertently disqualify them from benefits they may rely on.

A special needs trust is often central to this planning, but it works best as part of a broader plan that also considers cash flow, care costs, and who will be responsible for oversight over time.