Special Needs Planning
The MassMutual SpecialCare program was developed to help educate families and caregivers of people with special needs about the importance and steps in creating a life care plan to help provide a secure financial future.
Our holistic approach begins with a foundation of the key areas of traditional financial planning including financial position, protection, investments, tax management, retirement planning and estate planning. Then, it continues to address the additional planning dynamics that families with special needs face, including:
Life Care Planning
Government Program Integration
Family Dynamics
Legal and Tax Issues*
Financial Resource Management
Our process encourages communication among the family’s network of advisers, provides information, education, resources and specialists, and offers customized options that create financial and legal strategies unique to an individual’s situation.
Our team along with our extended team of legal and tax professionals help families to:
Address Current & Future Primary Issues
Uncover Potential Planning Pitfalls
Create a Special Care Vision
Identify Guardianship Needs
Prepare Wills & Other Legal Documents*
Identify Financial Resources
Coordinate Assistance Programs
Determine Current & Future Plan/Care Costs
Prepare a Letter of Intent
Determine Appropriateness of a Special Needs Trust
Identify Trustees, Guardians and Future Caregivers
Hold Family Meetings
Review Plan as Needed
If you believe our approach is right for you, or would like to more information to make that determination, please don’t hesitate to contact us for a confidential, no obligation consultation.
*Provided through our attorney and CPA network