Integrated planning for families navigating care, support, and long-term financial decisions
Special Needs planning often reaches well beyond a single objective. Public benefits, trust and estate considerations, caregiving responsibilities, education planning, and long-term financial support may all need to work together over time. These decisions can also affect retirement planning, liquidity needs, tax strategy, and the broader use of family resources.
At Maxiam, this planning is guided by a Private Wealth Advisor with the Chartered Special Needs Consultant designation and integrated into the family’s overall wealth management strategy. The goal is to address these issues within a structure that supports the needs of the individual while remaining aligned with the responsibilities, priorities, and long-term planning considerations of the family as a whole.
Investment Management
Retirement Planning
Estate Planning
Social Security and Public Benefits Planning
Letter of Intent and IEPs
Risk Management
Strategic Tax Planning
Education Planning
Why This Matters
An important area of our practice
Support for families with special needs is an important part of Maxiam’s practice. We believe these planning decisions deserve focused attention within the context of wealth management, with care for both the individual and the family supporting them.
Professional Affiliation
Academy of Special Needs Planners
Maxiam Capital is a member of the Academy of Special Needs Planners, an organization focused on special needs and disability planning.
Planning Resources
Special Needs Financial Planning Checklist
This checklist is designed to help families organize the issues that often arise in special needs planning, from care needs and public benefits to estate considerations and long-term financial support.
Planning Resources
Letter of Intent
A letter of intent can help document care preferences, routines, personal history, and long-term wishes for future caregivers. It can serve as an important reference for family members, schools, healthcare providers, and other involved in a love one’s care.
Planning Resources
ABLE Accounts
The Achieving a Better Life Experience (ABLE) account can offer a tax-advantaged way to save for qualified disability expenses without disrupting eligibility for certain public benefits. Families may find them useful as part of a broader special needs planning strategy. The ABLE National Resource Center offers additional information that individuals and families can find helpful.
Speak with us about your financial priorities.
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Special Needs Financial Planning 
