This is personal to me.

Caring for a daughter with special needs gives Chad a deeper understanding of the planning considerations many families face. That experience led him to earn the Chartered Special Needs Consultant designation and dedicate a meaningful part of his practice to serving families like his own.

Who this is for

Families caring for a loved one with a disability who need to know what happens financially when they are no longer able to provide that care, without jeopardizing the government benefits that loved one depends on.

What These Conversations Are Really About

Navigating a major life transition without a clear roadmap
Feeling overwhelmed by the financial complexity of government benefits
Wanting to protect eligibility for SSI and Medicaid while still planning ahead
Having felt unsupported or unheard by past advisors

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I’ve lived it. I’ve gone through it. I’ve done it. So it doesn’t have to be a scary conversation.

Chad Kasper,
Founder, Kasper Wealth Management

Special Needs Planning Questions We Hear Often

How do I plan financially for my child's future without losing their benefits?

This is where a special needs trust comes in. Every situation is different, because every individual’s needs and benefit eligibility are different, so this planning has to be built around your family specifically, not a template.

What happens to my child when I'm no longer able to provide care?

This is the question that brings most families to this conversation, and it is the right one to ask. Planning for this involves a special needs trust, guardianship considerations, and a financial plan built around your family’s specific circumstances.

Do I need a special needs trust and an advisor, or just an attorney?

Usually both, working together. An attorney handles the legal trust structure and guardianship documents, while a financial advisor coordinates the funding, government benefits considerations, and ongoing financial plan around them.

What is a Chartered Special Needs Consultant (ChSNC®)?

A ChSNC® is a financial professional trained specifically in the planning needs of families with a dependent who has a disability, including special needs trusts, guardianship considerations, and government benefit programs like SSI and Medicaid.

Can my child inherit money directly without losing SSI or Medicaid?

Generally, an inheritance received directly can jeopardize means-tested benefits like SSI and Medicaid. This is why special needs trusts exist, to allow assets to support a dependent without counting against benefit eligibility. Every situation is different, so this is worth reviewing individually.

Relevant Services

Estate
Planning

The people you love, provided for.

Comprehensive Financial Planning

The foundation of everything I do.

Insurance
Consulting

Know what you have, what you need, and what to keep.

You do not have to
navigate this alone.

I’ve lived it, I’ve gone through it, I’ve done it. It does not have to be a scary conversation.