Author Archives

  • Sharing the Pain; PTSD in Special Needs Caregivers

    Symptoms associated with PTSD are frustratingly common in the special needs community.  This post explores the hope of Post-Traumatic Growth and stresses the importance of Incident Debriefings to overcome the impact of PTSD on financial risk taking.

  • Old Advice Dies Hard; the Myth of Disinheritance

    Because we inherently respect wisdom from our elders, we often don’t question their advice even if the conditions have changed.   The recommendation to disinherit a special needs child from their parent’s estate is emblematic of why old advice dies hard and why what is common may no longer be relevant.  It is worth our time to identify what has changed.

  • The When, Why, and How of Legal Guardianship

    As soon as your special needs child turns 18 you no longer have the legal authority to make medical and financial decisions on their behalf. For some families, seeking legal guardianship is the only way to ensure a seat at the table.

  • Financial Resources For a Disabled Adult Child

    The ability to provide for a loved one after they are gone is perhaps the biggest concern shared by parents of special needs children.  Disabled Adult Child (DAC) benefits are not well known but are critically important for Special Needs Families

  • The Virtue of Paperlessness, How we Finally Organized our Life

    How going paperless reduced our stress and made us better partners with our many doctors, specialists, and teachers. 

  • Consider a Health Savings Account

    For a Special Needs Family, there might not be a more important topic than healthcare. A Health Savings Account just may benefit your family

  • What Investing and Tennis Have in Common

    According to academic research there are two kinds of games in tennis; those games played by professionals, and those played by the rest of us.  In amateur tennis the outcome is determined by the mistakes made by the loser, rather than the shots made by the winner. Likewise, those who insist on trying to beat the market, either on their own or with professional managers, will be disappointed by the results. Like tennis, investing is a loser’s game.

  • Stop Looking Through a Soda Straw: Investing for the Long Haul

    Investing Series: Part 1 Black Monday….October 19, 1987, the day the market crashed.  The crash began in Hong Kong and spread west to Europe, hitting the United States after other markets had already sustained significant declines. The Dow Jones Industrial… Read More ›

  • The Journey of Special Needs Families: From Birth to Three

    There are several distinct phases families with a special needs child will transit throughout their lifetime.  The first being the birth of their child until that child qualifies for school age services at 3 years of age.  If you are new to Special Needs parenting, this will serve as a primer on many of the areas you should further explore. 

  • Funding a Special Needs Trust with Life Insurance

    There are probably few topics that are more distasteful than discussing insurance. But here’s the thing, it may be one of the most important things you do as a parent of a special needs child.