Special Needs Financial Planning Service
Provide financial planning for families of people with disabilities
Overview
Special needs planners charge $2,000-$10,000 per plan.
Serving 30-80 families annually generates $150,000-$600,000 with 85-95% margins.
In 2025, families need specialized financial planning for disabilities.
Services include special needs trust establishment, benefits preservation planning, ABLE account setup, life insurance and estate planning, guardianship and alternatives, and future care planning.
Successful planners understand disability benefits rules, preserve eligibility, plan for lifelong care, coordinate with attorneys, and provide family peace of mind.
Families with disabled members as clients.
Marketing through disability organizations, financial advisors, attorneys, and support groups.
Required Skills
- Financial Planning
- Special Needs Trusts
- Benefits Preservation
- Estate Planning
- ABLE Accounts
- Disability Benefits
Pros and Cons
Pros
- All families need future planning
- High fees for specialized planning
- Growing special needs planning field
- Provides family security and peace
- Can partner with financial advisors
Cons
- Need financial planning credentials
- Special needs expertise required
- Complex benefits preservation rules
- Competition from general planners
- Long sales cycle with families
How to Get Started
- Get financial planning credentials (CFP)
- Learn special needs planning and trusts
- Understand disability benefits preservation
- Market to families and disability community
- Provide comprehensive financial planning
- Coordinate with attorneys and advisors
- Help families plan for lifelong care
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