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WITH SPECIAL NEEDS
A dedicated team of professionals to help you navigate your complex financial needs.
It can be overwhelming to plan for a future that meets both your personal financial objectives and the needs of a dependent who has unique medical considerations. Stalt Financial is committed to helping special needs families establish financial confidence so they can enjoy the quality of life they deserve.
Holistic financial planning for
the entire family.
We'll assist in designing a holistic life care plan that balances the needs of the entire family with the individual needs of its members. Planning today for unexpected can help ensure that your entire family can enjoy the lifestyle you deserve and will create financial confidence for the future.
A team approach to life care planning.
We'll work with your entire team of professional advisors to build a life care plan that helps maximize your loved one’s quality of life. A life care plan is a coordinated program of future care planning, financial, and legal strategies for individuals with special needs and their families.
"I have a tremendous desire to serve the special needs community. When I co-founded Stalt Financial, I felt compelled to create a division that would aid this population specifically. The Stalt Financial Special Needs Team is dedicated to helping unique families establish financial confidence so that they can enjoy the quality of life they deserve."
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- Chris Ball
Co-Founder, Stalt Financial
Director of Special Needs Planning
Critical Areas of Special Needs Planning
Families with special needs have unique financial, medical, legal, and educational considerations. These areas should be considered when planning for the holistic future of your loved one with special needs.
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Coordination of assets to help preserve government benefits as well as have available funds to enhance quality of life.
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Discuss tax strategies and programs that can assist with expenses around care needs
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A proper estate designed by a competent attorney who specializes in special needs.*
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Confirm all beneficiary assignment to ensure goal of estate planning are properly met.
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Determine the people best equipped to ensure that your special needs child is properly cared for now and in the future.
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Ensure that costs of dependent
medical care is covered both now
and in the future.
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Ensure that your child's current
and future educational expenses
are funded.
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Ensure that educational benefits
and assistance are utilized in a
manner that preserves assets.
LEGAL
MEDICAL
EDUCATIONAL
FINANCIAL
*Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters.
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No one professional can provide everything a family needs. We believe an integrated team comprised of an attorney, a CPA, and others, such as social workers and caregivers, and a Special Care Planner or a financial professional who holds the Chartered Special Needs Consultant designation who specialize in working with special needs is the best way to serve you.
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Your Financial Team
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Dan Zech, CEPA™
Investment & Wealth Planning
From a young age, Dan learned the importance of helping the special needs community. His mother, Karen, was a special education educator, and he saw firsthand the difference that compassion and dedication made to the lives of families dealing with the unexpected.
Chris Ball, ChSNC™
Director of Special Needs Planning
Chris' passion to serve the special needs community stems from growing up in a family with many members who have special needs. After seeing the lack of support available and the frustration it caused his relatives, he obtained his Chartered Special Needs Consultant designation to become a resource for the community.
Catherine Toone
Insurance Planning
As the mom of a child with dwarfism, Cat has direct experience navigating the complex financial, medical, educational, and emotional issues that face families. She has become a patient advocate and has speaks to groups of medical students about her experience as the parent of a special needs child.
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A Wealth of Resources
We work have established relationships with leaders and advocates in the special needs care industry. If you do not have an existing team to help coordinate a life care plan, we can help you find the right individuals to help protect the financial, physical, emotional, and legal interests of your special needs dependent.
SpecialCare is a program developed by Massachusetts Mutual Life Insurance Company (MassMutual) that provides access to information and resources to families with dependents, of any age, who have a disability.
Many years ago, I became the parent of a child with a disability. I was lost and unsure how to navigate this life I was unexpectedly thrust into. A fellow special needs parent shared Welcome to Holland by Emily Perl Kingsley and it created a fundamental shift in how I perceived my new journey.
Whether you are a new or longtime member of the special needs community, I hope the author's profound perspective brings peace and comfort.
- Catherine Toone
Special Needs Mom
Member of the Stalt Financial Team
Welcome To Holland
by Emily Perl Kingsley
Copyright©1987 by Emily Perl Kingsley.
All rights reserved.
Reprinted by permission of the author.
I am often asked to describe the experience of raising a child with a disability - to try to help people who have not shared that unique experience to understand it, to imagine how it would feel. It's like this……
When you're going to have a baby, it's like planning a fabulous vacation trip - to Italy. You buy a bunch of guide books and make your wonderful plans. The Colosseum. The Michelangelo David. The gondolas in Venice. You may learn some handy phrases in Italian. It's all very exciting.
After months of eager anticipation, the day finally arrives. You pack your bags and off you go. Several hours later, the plane lands. The flight attendant comes in and says, "Welcome to Holland.”
"Holland?!?" you say. "What do you mean Holland?? I signed up for Italy! I'm supposed to be in Italy. All my life I've dreamed of going to Italy.”
But there's been a change in the flight plan. They've landed in Holland and there you must stay.
The important thing is that they haven't taken you to a horrible, disgusting, filthy place, full of pestilence, famine and disease. It's just a different place.
So you must go out and buy new guide books. And you must learn a whole new language. And you will meet a whole new group of people you would never have met.
It’s just a different place. It's slower-paced than Italy, less flashy than Italy. But after you've been there for a while and you catch your breath, you look around.... and you begin to notice that Holland has windmills....and Holland has tulips. Holland even has Rembrandts.
But everyone you know is busy coming and going from Italy... and they're all bragging about what a wonderful time they had there. And for the rest of your life, you will say "Yes, that's where I was supposed to go. That's what I had planned."
And the pain of that will never, ever, ever, ever go away... because the loss of that dream is a very very significant loss.
But... if you spend your life mourning the fact that you didn't get to Italy, you may never be free to enjoy the very special, the very lovely things ... about Holland.
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