At MassMutual Greater Houston, we know that caring for a family member with a disability can be challenging. That’s why we have developed a SpecialCareSM Planning Team dedicated to helping you identify and prioritize your financial goals and objectives for your loved ones.
Since 2004, MassMutual’s SpecialCareSM program has provided families with access to information, specialists, and financial products and services. We partner with many non-profit organizations around Greater Houston and support their efforts within our communities to help educate and provide better resources to families who have family members with special needs.
Our SpecialCare Planning Team consists of planners with the Chartered Special Needs Consultant (ChSNC®) designation2, making them uniquely qualified to understand the intricate needs of families with special needs. Coupled with support staff, our team can devote time and energy to the interests and organizations that support our families and communities.
Our holistic approach begins with a foundation of the key areas of traditional financial planning including financial position, protection, investments, tax management, retirement planning, and estate planning. Then, it continues to address the additional planning dynamics that a family with special needs face, including:
- Life Care Planning
- Government Program Integration
- Family Dynamics
- Legal and Tax Issues*
- Financial Resource Management
Our process encourages communication among the family’s network of advisers, provides information, education, resources, and specialists. We also offer customized options that create financial and legal strategies unique to an individual’s situation.
Our team along with our extended team of legal and tax professionals help families to:
- Address Current & Future Primary Issues
- Uncover Potential Planning Pitfalls
- Create a Special Care Vision
- Identify Guardianship Needs
- Prepare Wills & Other Legal Documents*
- Identify Financial Resources
- Coordinate Assistance Programs
- Determine Current & Future Plan/Care Costs
- Prepare a Letter of Intent
- Determine Appropriateness of a Special Needs Trust
- Identify Trustees, Guardians and Future Caregivers
- Hold Family Meetings
- Review Plan as Needed
If you believe our approach is right for you or would like to more information to make that determination, please don’t hesitate to contact us for a confidential, no obligation consultation.