Caring for a family member with special needs brings responsibilities that are deeply personal and often far-reaching. The financial decisions involved are rarely isolated. They affect long-term care, family dynamics, estate plans, public benefit considerations, and the stability of those who will provide support over time.
At Maxiam Capital, this work is a defining part of the firm’s mission. Faisal Al Hashim, Maxiam’s founder, a Private Wealth Advisor and Chartered Special Needs Consultant, brings personal understanding of the responsibilities, decisions, and long-term care considerations that shape life for families with a loved one who has special needs. That perspective continues to inform the firm’s values, judgment, and commitment to this work.
AREAS OF FOCUS
Retirement Planning
Special needs planning often requires balancing the needs of more than one generation. Decisions about income, caregiving responsibilities, and long-term support must be considered together to keep the broader plan sustainable over time.
Risk Management
Inflation, market volatility, rising healthcare costs, and unexpected life events can all affect long-term stability. We help families consider these risks as part of a broader planning strategy designed to preserve flexibility and resilience.
Public Benefits and ABLE Accounts
Public benefits and ABLE accounts can play an important role in a special needs plan. Understanding how these resources fit within the broader financial picture is essential to preserving support and using them effectively.
Special Needs Trust Coordination
Trust planning is often a key part of protecting future care and preserving eligibility for certain benefits. When appropriate, this process includes evaluating whether a special needs trust fits with the overall strategy and coordinating its role within the plan.
Planning for Life Transitions
Changes in health, family structure, caregiving capacity, or household finances can have lasting implications. Preparing for these transitions in advance can create greater continuity and stability when circumstances shift.
Family Education
Through Maxiam Academy, we provide educational resources to help family members build a shared understanding of financial decision-making, long-term support, and wealth preservation.
Ongoing Guidance
Special needs planning not static. We provide ongoing guidance and regular reviews so that plans can continue to reflect changing needs, evolving circumstances, and the realities of family life over time.
Special Needs Planning calls for more than technical knowledge alone. It calls for perspective, care, and a commitment to putting the right provisions in place for the years ahead. At Maxiam Capital, that commitment is personal.