1. The Big Picture Planning Building a Home Conference September 29, 2012 Cynthia R. Haddad, CFP® John W. Nadworny, CFP® Directors, Special Needs Financial Planning Securities and Financial Planning offered through LPL financial, member FINRA/SIPC

2. Watch Out! Don’t be Overwhelmed!

3. Planning Resources Components not in your control: Child’s income Government Benefits Components you control: Balance Sheet Parent’s income

4. The Balance Sheet Money in the bank Investments or long-term savings Retirement money Personal residence

5. Parent’s Income While you are working Save for your child’s expenses Save for your long- term needs Pay for the child’s expenses out of income While you are retired Savings Retirement funds Your social security

6. Child’s Potential Contribution Income: Earnings SSI/SSDI Potential Resources: Supplemental Needs Trust Adult family care PCA Section eight rental voucher

7. IEP Early Intervent ion Transition Planning Guardianship/SSI Residential Employment ISP Birth College SSDI Retirement Parent’s Age 65 Estate Distribution Parent’s Death The Special Needs Planning Timeline™ EI

8. Father 60 63 65 retire Mother 57 60 62 retire Child 1 22 25 27 (child w/special needs) end education moves out Child 2 19 22 (traditional child) graduate college Create Cash flow over time Age

10. Cynthia R Haddad, CFP ® John W Nadworny, CFP® Directors, Special Needs Financial Planning www.specialneedsplanning.com cynthia.haddad@shepherdfinancialpartners.comcynthia.haddad@shepherdfinancialpartners.com T. 781-756-1804 john.nadworny@shepherdfinancialpartners.com F. 781-729-4356 john.nadworny@shepherdfinancialpartners.com Thank you!