When planning for the financial future of a loved one with a disability, setting up a Special Needs Trust (SNT) is only half the battle. The most critical decision you will make is choosing who will manage it. Many families naturally look toward standard corporate trustees, bank trust departments, or traditional fiduciaries. While these institutions are excellent at balancing a checkbook and managing an investment portfolio, a special needs trust demands a fundamentally diffe

When a parent first learns that their child has special needs, the world shifts. I know this not just as a financial professional, but from my own personal experience. In those early days, you experience a "lightning strike" of emotions: terror, sadness, confusion, and even anger. Your mind races with questions that feel impossible to answer: “How can we fix this?” “Will my child need care forever?” “How will we pay for all of this?” “Who will take care of them when we are go