If something happened to you tomorrow,
would your financial plan protect your disabled child?
Good intentions aren’t always enough when benefits and long-term care are involved.
If you’ve ever found yourself thinking:
“What happens to my child when I’m no longer here?”
you have good reason to be concerned.
Parents of children with special needs live with two realities at the same time.. Deep love and a quiet, persistent worry about the future.
You may already know financial planning is important—but between therapies, school meetings, medical decisions, and daily life, it never feels urgent enough to tackle now.
And underneath it all sits the fear you don’t want to say out loud: “What if I make the wrong move and accidentally make things worse?”
With special needs planning, small, well-intentioned mistakes can have big financial consequences—including the loss of SSI or Medicaid benefits your child depends on.
Good intentions are not enough.
- A gift left the wrong way.
- An inheritance titled incorrectly.
- A beneficiary form never updated.
Any one of these can quietly unravel your child’s benefits and security.
The clincher?
These mistakes are so easy to make—and completely avoidable.
...Because love isn’t just care. It’s preparation.
You don’t have a clear long-term financial plan.
You feel behind, guilty, or overwhelmed because you haven’t created a plan for their care…or you have one, and it’s a mess.
You worry about protecting your child’s lifestyle and their benefits.
You want a clear path forward to create your plan without conflicting advice or pressure
You would feel relieved to know there’s an immediate plan for your child’s care if you suddenly can’t do ‘all the things’ yourself.
Planning for Two Lifetimes™
Planning for Two Lifetimes™ is a 100-page, clear, compassionate guide designed to help you move from worry to clarity—without overwhelm.
- The 10 most common mistakes families make in special needs planning—and how to avoid them
- How to protect SSI and Medicaid while still planning for your child’s quality of life
- What a good plan actually looks like, step by step
- How trusts, benefits, insurance, and cash flow fit together
- Practical “quick wins” you can implement right away to reduce risk and regain your peace of mind
Click the button below to get a PDF copy of the book sent to your email right away (and get helpful tips and updates in the future), and a copy mailed right to your address.
It’s not a jargon-filled sales pitch disguised as education.
It’s a practical roadmap written for families with special needs who love deeply and want to create a plan for their loved one’s care the right way.
If you’ve ever thought, “I know I need to do something —
I just don’t know where to start,” this is your starting point.
ABOUT THE AUTHOR
Michael Ringel, CPA, RICP CDFA, CExP, ChSNC is a Chartered Special Needs Consultant with more than 20 years of experience helping families with special needs navigate the complexies of financial planning.
Michael founded Special Needs Wealth Planning to work exclusively with families like yours—and wrote this book after seeing the same preventable mistakes harm well-meaning families again and again.
His approach is simple: organize what matters, protect benefits, and build a plan that brings peace of mind—not more paperwork and procrastination.
Click the button below to request Planning for Two Lifetimes™ – you’ll get:
- And email with instant access to the full PDF
- A physical copy mailed to your home
- What a good plan actually looks like, step by step
Remember: you don’t have to solve everything and create the perfect plan today. Just one informed step at a time can change your loved one’s entire financial future for the better.
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