Special Needs Planning

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Special Needs. Special Planning.

Children with special needs also need special financial considerations. We have two Wealth Advisors who are passionate about working specifically with families who have children with special needs. Heath Burch and Scott Adams are both Chartered Special Needs Consultants® (ChSNC) who founded the Special Needs Planning Center right here in Kansas City!

Their goal is to help parents throughout the different stages of their child's development by assisting families in creating customized plans that help ensure the loving, personalized care you would expect for your child while also helping the parents reach their own financial goals.

Planning Services

When caring for a child with special needs, the options can be overwhelming. The dedicated team at The Special Needs Planning Center can help you create financial plans that will help ensure a level of quality care for your child during and after your lifetime, and will prepare you and your family for the following:

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Social Security Guidelines 

Social Security benefits may not be necessary, but you want to be prepared should they become necessary. We can help you allocate finances in a way that provides the maximum Social Security benefit to your child.

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Special Needs Trusts

 

Beore you meet with an attorney to create a trust for a child with special needs, we can work with you to understand the different types of trusts and the benefits of each. This can significantly reduce your legal expenses.

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Guardianship


When your child turns 18, there are several options available as to their guardianship. We'll go over each of these with you to ensure you're choosing what's right for your family once you meet with an attorney to start the process.

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Family Assets


We work with you to ensure that you have the money you need to care for your child. We'll also help you develop a financial plan that allows for your retirement, as well as for the care of your child once you're unable to provide it.

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Continuity of Care


Children with special needs require specific care, activities, scheduling, prescriptions and more. We can help develop an "instruction manual" that covers your child's needs should someone else need to take over.

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Post-Education


Many children with special needs are eligible for daily education through age 21. We can help you develop a plan for after their 21st birthday by reviewing available options including individual care, adult day care, employment, etc.

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Settlement
Planning

Receiving a disability-related settlement is often both life-changing and stressful. We work with your legal team to receive the settlement proceeds, coordinate the necessary legal documents and develop an investment strategy that makes sure the assets provide what you need, for as long as you need them. This includes considering tax implications, and addressing the preservation of Medicare or Medicaid when appropriate.

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Planning Resources

When you have a child with special needs, there is so much you need to know to reach your financial goals for yourself and your family. In addition to meeting with one of our advisors, here are some additional tools to help along the way.

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Meet the Team

Heath Burch

Private Wealth Advisor, CFP®, CTFA, ChSNC®

With degrees in both Finance and International Business, Heath’s financial career began in 2000, and soon after, he found his calling in helping families who have children with special needs.

And as a CERTIFIED FINANCIAL PLANNER™ professional, Certified Trust & Fiduciary Advisor, and Chartered Special Needs Consultant® he has the insight and experience to help develop a plan that’s suitable for both you and your child’s needs.

 

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Scott Adams

Private Wealth Advisor, CFP®, CTFA, ChSNC™, ChFC®, CLU® 

Scott is the proud parent of three children with special needs who understands the specialized knowledge required to plan for their unique future.

Since becoming a financial advisor in 1994, Scott has earned designations of CERTIFIED FINANCIAL PLANNER™ professional, Certified Trust & Fiduciary Advisor, Chartered Special Needs Consultant®, Chartered Financial Consultant®, and Chartered Life Underwriter®.

 

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Securities and advisory services offered through Copper Financial Network (Copper Financial), LLC, Member FINRA/SIPC. Copper Financial is a SEC registered investment adviser. Copper Financial is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica and Special Needs Planning Center are marketing names used by Copper Financial. For important disclosures from Copper Financial, including our Form CRS, please visit here. Investment and insurance products, including annuities:

 

Are Not Deposits

Are Not NCUA or otherwise Federally Insured

Are Not Obligations of or Guaranteed by the Credit Union

May Lose Value