Special Needs Financial Planners Cleveland OH

Read on to learn information on special needs financial planners in Cleveland, OH and gain access to public-private funding, special needs trust establishment, traditional investments, insurance services, and special needs supplement reporting, as well as advice and content on special needs financial panning.

P.L.A.Y. project
216-736-29331
2421 Community College Avenue
Cleveland, OH
Support Services
Early Intervention, Marriage & Family Counseling, Music Therapy, Occupational Therapy, Physical Therapy, Respite, Sensory Integration, Speech Therapy, Support Group Meetings

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Educational Options LLC
(216) 272-8080
PO Box 24931
cleveland, OH
Support Services
Camps, Education, Educational Advocacy, Job Coach, Marriage & Family Counseling, Medical, Research, Residential Facility, Therapy Providers
Ages Supported
9-10 Grade,11-12 Grade,Adult

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Educational Options
(216) 272-8080
P.O. Box 24931
Cleveland, OH
Support Services
Education, Educational Advocacy, Other
Ages Supported
6-8 Grade,9-10 Grade,11-12 Grade,Adult

Data Provided By:
Judith Saltzman
(216) 861-0360
Hickman and Lowder Co., L.P.A.
Cleveland, OH
Support Services
Disability Advocacy, Other

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Gerald Erenberg, M.D.
(216) 444-2375
Cleveland Clinic Foundation
Cleveland, OH
Support Services
Medical
Ages Supported
Preschool,Kindergarten,1-5 Grade,6-8 Grade,9-10 Grade,11-12 Grade,Adult

Data Provided By:
Rosemarie Donatelli
(440) 382-2369
1278 West Ninth Street, apt 1204
Cleveland, OH
Support Services
ABA/Discrete Trial, Other, Speech Therapy, Therapy Providers
Ages Supported
Preschool,Kindergarten,1-5 Grade,6-8 Grade,9-10 Grade,11-12 Grade

Data Provided By:
Rochelle Nyer, Speech/language Pathologist
(440) 461-9119
5561Kilbourne Dr.
Lyndhurst, OH
Support Services
Speech Therapy, Therapy Providers

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Cuyahoga County Board of Mental Retardation & Developmental Disabilities
(216) 241-8230
1275 Lakeside Avenue East
Cleveland, OH
Support Services
Activities, Adult Support, Assistive Technology, Behavorial Intervention, Early Intervention, Early Intervention, Education, Job Coach, Occupational Therapy, Physical Therapy, Psychological Counseling, Respite, Respite/Childcare/Babysitting, Social Skills Training, Speech Therapy, Support / Tutoring, Therapy Providers
Ages Supported
Preschool,Kindergarten,1-5 Grade,6-8 Grade,9-10 Grade,11-12 Grade

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Max Wiznitzer, M.D.
(216) 844-3691
Rainbow Ped. Specialties
Cleveland, OH
Support Services
Medical
Ages Supported
Preschool,Kindergarten,1-5 Grade,6-8 Grade,9-10 Grade,11-12 Grade

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Cleveland Clinic Center for Autism
(216) 721-1292
2801 Martin Luther King Jr. Drive
Cleveland, OH
Support Services
ABA/Discrete Trial, Behavorial Intervention, Biomedical Intervention, Camps, Career Counseling, Compounding Pharmacies, Early Intervention, Education, Educational Advocacy, Job Coach, Marriage & Family Counseling, Medical, Occupational Therapy, Other, Private School (Autism Only), Psychological Counseling, Research, Research, Social Skills Training, Speech Therapy, Summer Camp/ESY, Therapy Providers, Training/Seminars
Ages Supported
Preschool,Kindergarten,1-5 Grade,6-8 Grade,9-10 Grade,11-12 Grade

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Common Mistakes Parents Make With Their Special Needs Trusts

Common mistakes parents make with their special needs trusts

Heath Burch, CFP

We meet a number of families each year that have already met with a planner in an attempt to design a special needs plan. The plans are put together with the best of intentions in hopes of providing ongoing care for their loved one with special needs. Unfortunately, many of these plans are incorrectly designed and fall short of providing the desired outcome.

The most common errors we see are often related to the drafting of a special needs trust. We'll outline below three of the most common mistakes we encounter when working with reviewing these trusts.

Each week we review a number of special needs trusts given to us by parents simply looking to confirm that what they have works. The family has done exactly what they thought they needed in that they have created a trust in order to provide ongoing care for their loved one with special needs should they no longer able to provide it. The problem is that many of these documents are put into place without the parents truly understanding what they are signing.

We've seen documents that do not successfully preserve access to benefits like social security, often the primary goal of the trust. We have encountered documents that make the state (Medicaid) the named beneficiary of any assets remaining after the child's life in cases when it is not necessary. At times we have even seen documents that ultimately disinherit a child with special needs without the parents even aware of the fact.

If you aren't certain that your legal documents are designed as you intended or worse, you aren't sure exactly what they contain, please get them reviewed by an attorney that specializes in this type of planning. It never hurts to get a second opinion and provide yourself the sense of security of knowing that you have a well-drafted, effective set of legal documents to protect your family.

In the event that you have a well-drafted special needs trust your work may not be done. If the attorney or advisor you worked with hasn't walked you through how to title all of your various assets and you haven't moved most of your assets into the trust when appropriate, or directed them to the trust through a beneficiary designation or transfer on death designation when appropriate, you aren't done.

This is not an easy task, which is exactly why so many families walk into our office without having it done. There are a lot of reasons why the titling work may not have been done. It is possible the advisor didn't want to take on the responsibility. Maybe you weren't sure how to title an asset such as your house in the trust? Or maybe you had every intention of updating your beneficiary designations, but just forgot or ran out of time?

Regardless, you must finish what you started. If the attorney or advisor that helped you with the trust hasn't helped you finish the job, it is your responsibility to find someone who can.

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