Loud and Clear: A Special Needs Conversation

Transition Planning Can Shape a Life

By Andrew H. Hook, CELA, CFP® Transition planning, the preparation of a young person with special needs for adulthood, should begin before the student turns 16. Many school divisions choose to begin this planning when the students enters high school, typically at the age of 14. To the extent possible, the student should work with […]

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Posted: December 21st, 2012 | No Comments »

Structured Settlements Don’t Always Make Sense

By Evan Krame When an individual with disabilities is anticipating a personal injury award, spreading guaranteed payments over time through a “structured settlement” is a popular option. The attractive features of annuitizing a recovery don’t always work well, however, for people with special needs. The best reason to support structured settlements is to have payouts […]

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Posted: December 7th, 2012 | 2 Comments »