Special Needs Planning for a Secured Legacy and Lifelong Support
Planning for the future of a loved one with special needs requires more than good intentions—it demands strategy, protection, and compassionate foresight. At The Consortium, we help families build personalized Special Needs Plans that protect eligibility, coordinate benefits, and ensure peace of mind for every stage of life.
What Is Special Needs Planning?
Financial and Legal Strategies for Lifelong Care
Special Needs Planning helps ensure individuals with disabilities are financially supported without losing access to vital government benefits. From trust planning to guardianship alternatives, we build solutions that provide security, dignity, and continuity.
Who Needs a Special Needs Plan?
Families with dependents who have physical, developmental, or intellectual disabilities benefit from proactive planning. Whether you’re a parent, guardian, or sibling, we help you prepare for every stage—from early intervention to the retirement years.
Our Special Needs Planning Services
Trust Planning & Trust-Owned Life Insurance
We help establish Special Needs Trusts to protect assets while maintaining benefit eligibility. Trust-Owned Life Insurance (TOLI) is often used to fund these trusts in a tax-efficient, long-term way.
Secured Legacy & Estate Planning
Your loved one’s future shouldn’t be left to chance. We help ensure that your estate, insurance, and financial assets are aligned to provide lifetime care through secured legacy planning.
Public Benefits Coordination
We work with families to coordinate with SSI, SSDI, Medicaid, Medicare, and other benefits—so your financial gifts don’t unintentionally jeopardize critical support.
College Planning for Individuals with Disabilities
Planning for post-secondary education? We help families leverage 529 ABLE accounts and other tools to ensure college funding supports independence and accessibility.
Guardianship Alternatives
In some cases, alternatives like powers of attorney, supported decision-making, or representative payees may offer more flexible solutions. We help you evaluate and implement what fits best.
Continued Support Into the Retirement Years
We recognize that planning doesn’t stop when parents retire. We offer long-term guidance to ensure your loved one’s needs are met well into adulthood—even when you’re no longer able to provide direct care.
A successful business isn’t built by chance—it’s built by strategy, clarity, and the right financial foundation.
Why Choose The Consortium Advice?
We provide clarity and confidence to families navigating complex challenges—designing plans that protect benefits, support independence, and secure the future.
Experienced & Compassionate Advisors
Our team combines deep financial expertise with an understanding of the emotional weight behind every decision.
Custom Plans, Not Templates
We take time to understand your family’s needs, values, and future goals to create a truly personalized plan.
Fiduciary Commitment & Transparent Guidance
You can trust that every recommendation is in your family’s best interest—no commissions, no hidden agendas.
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Our Process: Planning With Purpose
Step 1: Family & Needs Assessment
We learn about your family, current resources, benefits in use, and long-term concerns.
Step 2: Strategic Planning & Implementation
We develop and implement strategies that integrate trusts, insurance, public benefits, and asset protection.
Step 3: Ongoing Support & Review
We stay engaged to ensure your plan continues to serve your loved one through every stage of life.
Business Planning FAQs
What is a Special Needs Trust and why is it important?
A Special Needs Trust allows a person with disabilities to receive gifts or inheritances without losing public benefits like Medicaid or SSI.
Can you help if I don’t have employees?
Yes. Solo business owners and independent contractors can still benefit from tax strategies, retirement planning, and insurance.
Can I leave life insurance to a dependent with special needs?
Yes—but it should be done through a properly structured trust such as a Trust-Owned Life Insurance (TOLI) policy.
What happens when I can no longer care for my child?
We help create a plan for long-term financial and care continuity, so your loved one is supported even after you’re gone.
Is guardianship always required?
Not always. We explore alternatives like power of attorney or supported decision-making to help promote independence when appropriate.
1000 Caruso Blvd. Ste 425
Slidell, LA 70461
833-320-0010