Lived Experience
We didn’t learn this from a textbook — every person on our team is a parent, caregiver, or advocate in this community.
Learn moreIf you are raising a child with a disability, you may already know what it is like to live in reaction.
You handle the most urgent thing in front of you, and everything else waits.
What families carry
Many families never get the whole picture. They get pieces
The question that is hardest to get to — what happens to your adult child when you are gone — is often the one that keeps families up at night. Working through that question usually takes more than one professional. The legal work, the benefits analysis, and the financial plan are connected, and they tend to work better when they are built at the same time by people who talk to each other.
Many families never get that. They get pieces. Our work is to put the whole story together. That means your chosen estate planning attorney, your benefits expert, and your financial plan are discussed in the same, connected conversation.
We help you create your adult child’s Quality of Life Plan covering what no document does: where your child lives, who is in their life, what their day looks like. You will also be talking with a fellow parent, which is not incidental.
Special Needs Trusts
Structured so an inheritance supports your child without displacing the benefits they rely on.
Government Benefits
SSI, Medicaid, and state waivers, mapped against the rest of your plan so one does not undo another.
Guardianship & Alternatives
What decision-making support looks like at 18, and the less restrictive options worth considering first.
ABLE Accounts
A savings account your child can use for daily life, within the limits that keep benefits intact.
Letter of Intent
Everything you know about your child that no legal document records, written down for whoever comes next.
Trust Funding
A trust is only as strong as what funds it. We look at what fills yours, and when.
Transition Planning
The years around leaving school, and the decisions that cluster there.
Not sure where to start?
Most families begin with one question. We start there, and we tell you honestly what we see.
What we help with
Seven pieces of one plan
Each of these is a conversation on its own. Built together, they become a plan designed to hold when you are no longer the one holding it.
Who we serve
Families in every stage of this
Parents of a newly diagnosed toddler. Families in the transition years. Adult siblings who have become the plan. Grandparents who want to help without disrupting benefits.
Meet Kacy
I built this practice out of necessity
After three years of looking for the advisor who could answer my own family’s questions, I understood that I was going to have to become her. In 2013 I began building the practice I had been trying to hire.
Kacy Seitz, ChFC®, CLTC®, ChSNC®, CFP®
How it works
Three conversations to begin
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A conversation, not a pitch
Nothing to gather and nothing to prepare. You tell us where your family is, and we tell you honestly whether we are the right fit.
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The whole picture, on one page
Benefits, legal documents, funding, and your child's daily life, laid out together so you can see where the gaps actually are.
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One coordinated plan
Your attorney, your benefits specialist, and your financial plan working from the same conversation, and revisited as your family changes.
Your team
Professionals who care.
You will not be handed off. Kacy leads the planning, Ashley keeps the follow-through, and you always know which of us you are talking to.
Why families call us
Planning that starts where your family already lives
Exclusive Focus
This isn’t one service among many. We work only with families raising a loved one with a disability.
Learn moreComprehensive, Coordinated Planning
Your attorney, your benefits specialist, and your financial plan — working from the same conversation, not separate silos.
Learn morePlanning does not make the hard parts easy. What it can do is take the open questions off your list, one at a time.