The Big Picture PlanningBuilding a Home Conference

September 29, 2012

Cynthia R. Haddad, CFP® John W. Nadworny, CFP®Directors, Special Needs Financial Planning

Securities and Financial Planning offered through LPL financial, member FINRA/SIPC

Watch Out!

Don’t be Overwhelmed!

Planning Resources

Components not in your control:• Child’s income• Government Benefits

Components you control:•Balance Sheet•Parent’s income

The Balance Sheet

Money in the bank

Investments or long-term savings

Retirement money

Personal residence

Parent’s Income

While you are working•Save for your child’s expenses•Save for your long- term needs•Pay for the child’s expenses out of income

While you are retired• Savings• Retirement funds• Your social security

Child’s Potential Contribution

Income:• Earnings• SSI/SSDI

Potential Resources:• Supplemental Needs Trust• Adult family care• PCA• Section eight rental voucher

IEP

Early Intervention

TransitionPlanning

Guardianship/SSI

ResidentialEmploymentISP

Birth

College

SSDI

Retirement

Parent’s Age 65

Estate Distribution

Parent’s Death

The Special Needs Planning Timeline™

EI

Father 60 63 65 retire

Mother 57 60 62 retire

Child 1 22 25 27(child w/special needs) end education moves out

Child 2 19 22(traditional child) graduate college

Create Cash flow over timeAge

Cynthia R Haddad, CFP ® John W Nadworny, CFP®

Directors, Special Needs Financial Planning

www.specialneedsplanning.comcynthia.haddad@shepherdfinancialpartners.com T. 781-756-

1804 john.nadworny@shepherdfinancialpartners.com F. 781-729-4356

Thank you!