For families with special needs, financial planning is a complex and deeply personal journey. It requires a combination of compassion, experience, and careful consideration.

Our first priority is helping you take care of yourself and your family

Raising a family is no small feat, but when you have a child or adult family member with special needs, the challenges and responsibilities can be even more complex. Many times, parents will have to find a balance between the competing goals of planning for their own financial security and planning for the lifetime needs of their child with a disability.

As children with special needs grow into adulthood or a loved one develops special needs later in life, the focus of financial planning shifts. They will often need additional financial and employment support to maintain their quality of life.

Here are just some ways we can help:

Financial Planning
Investment Strategies
Retirement Planning
Residential Planning
Tax Strategies
Insurance Planning
ABLE Accounts
Federal and State Benefits
Medicaid and Medicare planning
Social Security and the Disabled Adult Child Benefit
Connecting to organizations and resources for your specific needs

Any discussion of taxes is for general information purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

Kathryn Bryan, Phd, CEPA, chSNC(R)

Katy Bryan, Phd, CEPA, chSNC is a SpecialCare planner who has worked with hundreds of families to help them navigate the 2 biggest questions they have “what will happen to my child if something happens to me?” and “As my child becomes an adult, how do I provide the best quality of life socially, emotionally, physically and financially for them?”

Special Needs Planning requires a lot of flexibility and constant tending, in order to create the best opportunities and lifestyle for your child(ren). By working as a team (the parents, family, Katy, estate planner, cpa, business attorney if needed, and outside resources) we help build a financial plan to maximize your dollars for your budget, plan for your own retirement and long-term care needs, and most importantly develop the cost analysis and plan for your child’s life throughout their lifetime. After completing a special needs plan, clients often say “I feel so much better now that we have a plan in place, I can sleep without worrying about the future.”

Schedule a meeting and learn more about the SpecialCare program developed by MassMutual.

Learn More

SpecialCare℠

If you are caring for a person with a disability or other special needs—a spouse, child, sibling, dependent parent or other relative or friend—you should consider our SpecialCare℠ program.

Through the SpecialCare Program, MassMutual can help make a difference in the quality of life for people with special needs and their families and caregivers.

Learn more

Legacy Wealth Advisors is not affiliated with Massachusetts Mutual Life Insurance Company.

Schedule A Complimentary Introductory Meeting

Get Started