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Special Needs Families
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We understand the questions that may be keeping you up at night:

Who will take care of my child when I am gone?
How much will it cost to provide for my child over the course of their lifetime?
What supports are available to help our child access public benefits, find employment, recreation, housing, social activities, etc.?

Vistica Wealth is here for you

Those of us raising a child or loved one with special needs have certain concerns that other parents do not. We fret over whether our child will have all the necessary resources to reach his or her potential. And we worry about how he or she will get by when we’re no longer around.

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Vistica Wealth is here to help you with the following

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Comprehensive
Life Care Plan

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Team of
Professionals

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Long-term
Roadmap

Develop a comprehensive life care plan that is built on a solid financial foundation and allows you to look toward the future with confidence.

Assemble a team of professionals to provide input on and execute the recommendations in your plan.

Create a long-term roadmap to ensure someone will always be looking out for your child once you’re gone.

Develop a comprehensive life care plan that is built on a solid financial foundation and allows you to look toward the future with confidence.

Assemble a team of professionals to provide input on and execute the recommendations in your plan.

Create a long-term roadmap to ensure someone will always be looking out for your child once you’re gone.

We prepare a comprehensive life plan to address these issues

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While we do help address these and many other questions and issues that arise for special needs families, we also help you with a different question, focused on you: “How are you looking after yourself?”

Before we can plan for what happens after your death, we feel it’s important to consider your own emotional, physical, and financial well-being in the present.

We know the stress placed on families of children who require special care. The degree of stress may vary depending on the nature of the chronic illness, injury, or the emotional, psychiatric, or other cognitive impairment.

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Only then can we explore options for care that takes over when you are no longer able. This typically involves a discussion of who the caregivers will be, how the care will be funded, the necessary estate planning documents that need to be in place, and many other issues.

We understand your situation because we’re living it.

Caring for a loved one with special needs can be overwhelming:

Education

Navigating the educational programs and services available in their community is the top concern for many of our clients. You may need assistance while working with your school district on your child’s individualized education program (IEP) or in even earlier stages of your child’s life with an individualized family service plan that connects you and your child with services at birth through age 3 as early intervention is so critical.

Every child is entitled to a Free Appropriate Public Education in the Least Restrictive Environment. You may need referrals to experts who can help advocate for your child receiving an appropriate education. Wherever you may be in navigating your child’s education we will provide you guidance to help ensure your child receives what is best to help her realize her learning potential.

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Legal and Estate Planning

It’s important to prepare a special needs trust for a child with special needs which can help protect your child receiving public benefits while also helping you map out the life you’d like to make possible for your child. So, too, is naming a guardian as well as a successor guardian for your child and trust protectors within the special needs trust. If your loved one with special needs has reached the age of majority you may need help considering whether conservatorship or a less restrictive means of protection are best for your loved one’s safety and well-being.

We work with attorneys to handle these and other legal responsibilities, such as writing a will, creating a durable power of attorney and helping you articulate how you envision your child’s future with a letter of intent. Most importantly we are available to help you each step of the way.

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Government Benefits

No matter what your family’s level of financial security, you should understand what government benefits you and your child may be entitled to — now and in the future.

We can guide you in assessing your child’s eligibility for Supplemental Security Income (SSI) and/or Social Security Disability Benefits, Medicare, Medicaid and other benefits.

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Care Management

From medical, dental, eye and psychological care to physical therapy, occupational therapy and more, we help you consider your loved one’s health and support needs to ensure his or her providers are providing appropriate supports.

We also make sure the proper insurance coverages are in place and connect you with public benefit services.

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Social/Recreational

Is maintaining an active social and recreational life key to the happiness of your child?

We can help you determine what needs to be in place, whether financial or other supports, that may help your child live a happy social life with favorite friends, interests, hobbies, vacations spots and so on.

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Tax Planning

We know from firsthand experience the many expenses that come with raising a child with special needs. There are available tax deductions and tax credits to take advantage of.

We will help you identify and work with your tax preparers to uncover any ongoing tax planning opportunities, tax deductions or tax credits.

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Employment

Adults with special needs may be able to pursue a variety of employment opportunities.

We can help you build a network and leverage employment programs and resources to find those opportunities and secure a rewarding job for your child.

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Housing

Where would you like your child to live when he or she is older? What housing options are available in your state?

What type of living arrangements would suit your child best? We can help you weigh the options and ensure your child ends up in the most appropriate residential setting.

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Transportation

What are the best transportation methods for your child? Does your state present transportation options?

We can identify the right solution so your child maintains the proper level of independence.

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Finances

Family finances are at the heart of your life care plan. We account for both the lifetime income needs of your child with special needs as well as retirement income, college savings and other factors that pertain to you and the rest of your family.

We also identify possible shortfalls and craft a strategy grounded in evidence-based investing to get you on track.

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Learn more from our blog!

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Comprehensive
Life Care Plan

Develop a comprehensive life care plan that is built on a solid financial foundation and allows you to look toward the future with confidence.

Comprehensive
Life Care Plan

Develop a comprehensive life care plan that is built on a solid financial foundation and allows you to look toward the future with confidence.

Children Riding a Bicycle

Comprehensive
Life Care Plan

Develop a comprehensive life care plan that is built on a solid financial foundation and allows you to look toward the future with confidence.

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Let's start planning together, call 760 854 4003