Coping with the physical, emotional or developmental disabilities of a special needs child is part of the daily life of many parents. Then there is the added financial burden of providing care and security for all family members, both today and in the future. Parents are encouraged to call upon the trained expertise of financial and legal advisors. Last week, The Times Herald ran an excellent brief article highlighting some of the important aspects of Special Needs Planning, to include: • Retirement and Estate Planning for the parents. • Reviewing any beneficiary designations for life insurance, qualified retirement plans or annuities to ensure any inherited assets will not disqualify your special needs child from receiving vital federal benefits. • Consideration of establishing a Special Needs Trust to accumulate mange and disburse monies for any child with a disability. • Protecting the financial security of other family members – including college funds for other children in the family. If you are the parent of a special needs child, or know someone who is, I encourage you to visit the Special Needs Practice Center on our website. There you will find an abundance of information and resources, including our Free Report: Special People…Special Plans.