Special Needs Trusts
A Special Needs Trust protects your child’s eligibility for means-tested government benefits while still allowing family, a settlement, or you to provide for things those benefits don’t cover.
Having one drafted is only half the job — a trust that’s never funded, or funded without a plan behind it, may not do what your family expects when the time comes.
We coordinate with your estate planning attorney on the structure, then build the investment and funding strategy around what the trust is actually projected to need over your child’s lifetime.
The four questions behind every trust
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Structure
First-party or third-party, and which one your situation calls for — drafted by your attorney, coordinated with us.
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Trustee
Who serves, who follows them, and what happens if a family trustee can no longer act.
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Funding
What fills the trust, and when: insurance, retirement assets, a settlement, or contributions from family.
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Investment plan
What the trust is projected to need across your child’s lifetime, and how it is invested toward that.
A trust that is drafted but never funded cannot do the work it was written to do. Funding is where we spend most of our time.
