Special Needs Planning
Planning for the future is never simple, but for families with a loved one who has special needs, it’s especially emotional.
You’re not just thinking about retirement or passing on assets. You’re thinking about how to protect your child’s quality of life even in a future where you might not be here to do it yourself.
At GM Wealth Financial, we help families build comprehensive, long-term strategies that do more than just manage money. We help create peace of mind.
Protecting Benefits While Preserving Their Lifestyle
Government benefits like SSI and Medicaid are vital, but they come with strict income and asset limits.
A well-meaning gift, inheritance, or life insurance payout could accidentally disqualify your loved one from the very support they rely on.
That’s why we help families set up plans that work with the system, not against it, preserving eligibility for critical benefits while still providing financial resources to support a comfortable, dignified life. This often involves using specialized tools like a Special Needs Trust, but the heart of the strategy is always the same: protecting what matters most.
Planning for Lifelong Support, Not Just an Inheritance
Your loved one’s needs may last a lifetime. That means your financial plan needs to go beyond simple savings.
We work with families to create a sustainable, purpose-driven strategy.
Start With a Conversation
If you’ve been putting this off because it feels overwhelming, you’re not alone. Most families we work with say the same thing: “I just didn’t know where to start.”
That’s where we come in.
At GM Wealth Financial, we specialize in walking families through this process step by step, calmly, respectfully, and without pressure. Whether your child is a minor or an adult, it’s never too early — or too late — to start building a plan that brings clarity and peace of mind.
Let’s create a plan that protects their future and honors your love.
Because the most powerful legacy you can leave isn’t money — it’s peace of mind.
Get In Touch
