How to setup lifelong care for disabled children

For the parents of a severely disabled child, one financial planning challenge looms over all others: making sure that child is provided for, long after the parents are no longer around to help.?

This is hard enough on its own, but added to it is another riddle: how to pass down enough savings without disqualifying the child from government benefits.

Clients typically want to bequeath as much money to their descendant as possible, but leaving too much could make the person ineligible for Social Security Income (SSI) and other public benefits, which can be crucial resources.

For more on how to thread this needle: The disability dilemma: How to use retirement tools for a special needs child

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