Protect their benefits. Secure their future. 

Webinar:

Navigating the Maze: A Financial Roadmap for 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, September 27th at 7:30p EST.

What You'll Learn:

• How Special Needs Trusts and ABLE accounts work together — and how to fund them without jeopardizing benefits
• How to protect SSI and Medicaid eligibility while still building your child's long-term financial future
• Guardianship and decision-making options to put in place before your child turns 18
• How to write a Letter of Intent so future caregivers understand your child's needs, routines, and wishes
• The most common — and most costly — planning mistakes families make, and how to avoid them
• Retirement account strategies, including IRA beneficiary designations and how SECURE Act 2.0 impacts your planning

Why this matters for parents of a special needs child

Financial planning for a child with special needs is genuinely different — and more complicated — than typical family financial planning. The stakes are higher because:

• Government benefits have strict asset limits. Programs like SSI and Medicaid can be lost if money is saved or gifted the "normal" way (e.g., in the child's own name). A parent who doesn't know this could unintentionally disqualify their child from essential lifelong support.
• The planning window is time-sensitive. Certain legal decisions — like guardianship — need to be addressed before the child turns 18, when parents automatically lose the legal authority they had while the child was a minor.
• The plan has to outlive the parents. Unlike typical retirement planning, this involves answering "what happens to my child when I'm no longer here to advocate for them?" — which most generic financial advisors aren't trained to address.

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.