Caring for a child with special needs is a responsibility that brings many challenges. It means making sure your child will be properly cared for both now and in the future. In effect, you are planning for two lifetimes—yours and your child's—so the complexity is increased. Using a team approach, your Merrill Lynch Financial Advisor can work with you to create an integrated long-term financial strategy to help provide for your child while working toward meeting your other goals—along with the needs of your entire family.
Our team approach to addressing special needs includes all the individuals involved in your child's care. By working with outside advisors (attorneys and social service representatives) and internal Merrill Lynch resources (trust, insurance and estate planning specialists), your Financial Advisor can help you find appropriate solutions to the complex situation you face.
We have developed a network of Certified Special Needs Financial Advisors who are trained in special-needs planning. These Financial Advisors can help you address your family's needs by providing access to the resources available through Merrill Lynch and Bank of America, including traditional investments, special needs trusts, insurance products and estate planning strategies. It's never too early or too late to begin planning a future for your child with special needs and your entire family.
