Special Needs Financial Planning Presented To: Academy of Special Needs Planners Presented By: Cynthia R. Haddad, CFP Cynthia R. Haddad, CFP ® Sibling.

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Presentation transcript:

Special Needs Financial Planning Presented To: Academy of Special Needs Planners Presented By: Cynthia R. Haddad, CFP Cynthia R. Haddad, CFP ® Sibling and Advocate John W. Nadworny, CFP John W. Nadworny, CFP ® Parent and Advocate July 10, 2007 Financial Planning Expertise Through Personal Experience 95 Sawyer Road, Suite 500, Waltham, MA (781) Affiliated with Bay Financial Associates, LLC Securities offered through Linsco/Private Ledger Member NASD/SIPC

Planning for for Two Generations Reprinted by permission from The Special Needs Planning Guide: How to Prepare for Every Stage of Your Child’s Life, by John W. Nadworny, CFP, ChFC, MBA and Cynthia R. Haddad, CFP by John W. Nadworny, CFP®, ChFC, MBA and Cynthia R. Haddad, CFP® Copyright Copyright © 2007 by Paul H. Brookes Publishing Co., Inc. ( or ) Securities offered through Linsco Private Ledger: Waltham, MA, Member NASD/SIPC Financial Planning offered through Special Needs Financial Planning LLC, a Registered Investment Advisor - Waltham, MA

+= Comprehensive Special Needs Planning Traditional Planning Pyramid Special Needs Planning Pyramid Wealth distribution Gifts received Inheritances Lifetime support needs Transition planning Trust management services Lifetime residential needs Cash management and budgeting Supplemental expenses for child with disabilities Cash reserves Protect government benefits Insurance protection (risk management) Lifetime supplemental needs Legal and estate planning Special needs trust, guardians, trustees, advocates, asset ownership, beneficiary designations, and Letter of Intent Wealth distribution Charitable giving Estate tax planning Retirement planning College Planning Investment Planning Home purchase Cash management and budgeting Family needs Cash reserves Establish adequate emergency funds Insurance protection (risk management) Medical, home, automobile, and life Income protection, long-term disability, and long-term care Legal and estate planning Wills, trusts, health care proxies and power of attorney Reprinted by permission from The Special Needs Planning Guide: How to Prepare for Every Stage of Your Child’s Life, by John W. NadwornyCFP®, ChFC, MBA and Cynthia R Haddad, CFP® Copyright © 2007 by Paul H. Brookes Publishing Co., Inc. ( or ) Government-sponsored supplemental health care (Medicare/Medicaid)

Thank You!! Cynthia R. Haddad, CFP® John W. Nadworny, CFP ®, ChFC Bay Financial Associates LLC Financial Planning offered through Special Needs Financial Planning LLC, RIA Affiliated with Bay Financial Associates, LLC Affiliated with Bay Financial Associates, LLC  95 Sawyer Road  Waltham, MA Securities offered through Linsco/Private Ledger Member NASD/SIPC