For internal Skylight Financial Group use only.  Not to be shown or distributed outside the firm.

Special Needs Planning

Financial Position
​​

• Track your current income & expenses
• Manage your debt
• Project your child's special needs expenses
• Family resource dynamic

​
Adequate Protection
​

• Help provide for survivors in case of premature death
• Help protect a portion of income lost if disabled
• Help protect your ability to pay off outstanding debt
• Help provide for special needs vision funding

​
Wealth Accumulation Strategies​
​

• Help provide for education expenses
• Review your investment portfolio
• Help provide support, care & maintenance
• Help preserve eligibility

​
Life Care Planning​
​

• Create a special needs vision
• Create a letter of intent
• Determine the organizations that may provide resources
• Family involvement

Tax Reduction Strategies​
​

• Help Minimize federal & state income taxes
• Help protect against future income tax liabilities
• Help develop long term tax reduction strategies
• Help manage eligible special needs deductions

​
Retirement Planning​
​

• Help ensure adequate retirement income
• Government benefits
• Employee benefit plans
• Personal savings & investments
• Project the impact of an early retirement

​
Estate Planning​
​​

• Outline appropriate estate planning vehicles
• Trusts including Special Needs Trusts
• Choose guardians, executors & trustees
• Planned giving strategies

​
Assistance Planning​
​

• SSI & SSDI
• Medicaid
• Waiver programs
• Help maintain eligibility