Protect their benefits. Secure their future. 

Webinar:

Before They Turn 18: What No One Tells Special Needs Families

Host: Darryl Jarmosco, CFP®, ChFC®, RICP®

About: Darryl Jarmosco is a Certified Financial Planner®, Chartered Financial Consultant® and Retirement Income Certified Financial Professional®. He's an independent financial advisor located in Grand Haven MI. He specializes working with parents in special needs financial planning.

When: This webinar is live, no cost, on Wednesday, October 28th at 7:p EST.

What You'll Learn:

• Whether you'll still be able to make medical and legal decisions for your child at 18 — and the full range of options between full guardianship and doing nothing
• What actually happens to SSI at 18, including a rule change that works in many families' favor
• The exact ages that matter most — 14, 16, 17, 18, and 26 — for your child's transition from school to adult services
• Where Michigan's adult services and Medicaid waivers come from, and why applying early matters
• The most common (and most costly) mistakes families make during this transition, and how to avoid them

Why this matters for parents of a special needs child

Turning 18 doesn't just mark a birthday — it triggers a cascade of legal and financial changes that most families never see coming. Your child gains full legal rights, even if they still need your support to make decisions. Social Security reviews their benefits under a completely different standard. School services start counting down to an end date. Each of these runs on its own timeline, and missing one can mean months of unwinding a problem a little preparation would have prevented. This webinar gives you the roadmap, so you're making decisions ahead of the deadline — not reacting after it's passed.

Darryl brings over 23 years of experience helping people to navigate toward achieving life goals. Darryl specializes working with parents of a disabled child, helping them focus on their own retirement while incorporating the complexities of special needs financial planning.