BY ERNST VANBERGEIJK, PH.D., M.S.W. Without specific job training, individuals on the autism spectrum face rather bleak employment prospects. At best, the employment rate is 45 percent for this population. Anecdotal reports find that only about 10 percent of individuals on the autism spectrum find employment. Often, employment is part-time, minimum wage work which does…
Special Needs Trusts – How Much Trouble Are They To Manage?
Trusts are wonderfully flexible planning devices — but that does mean you have to do the planning. BY ROBERT B FLEMING, CELA and BERNARD A KROOKS, CELA – A client recently asked the following question: I’m thinking about setting up a special needs trust for my son, who has a developmental disability. Will it mean a lot more…
Retirement Planning Deliberations – Because Planning Deliberately Pays Off
Think about what you’ve done to plan for your retirement. Go ahead. Give it some thought. Now imagine that your retirement begins… tomorrow. Are you ready? Have you done everything you should have done? If you’re wincing or your heart has ramped up its pace a bit, take a deep breath. Relax. Even if retirement is…
Able Act Passes
BY ROBERT F BROGAN & BERNARD A KROOKS The community of individuals with special needs and their family members will have at their disposal a new tool with which to maintain a private fund of assets while preserving certain government benefits.
Gain Control And Manage The Stressors In Your Life
BY MASS MUTUAL Feeling stressed? Want just two minutes for yourself? Want to pull the blanket over your head? Not answer the phone? Lose yourself in a good book?
Using Credit Cards Overseas
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When A Spouse Abandons A Person With Special Needs
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What You Need To Know About Trusts
Planning is critically necessary to avoid unintended consequences in which your wishes are not carried out and the person you care about so deeply is left at risk of losing essential public benefits. “What will happen when I am not around? How can I protect the future of my loved one?” Supplemental Needs & Special…
The Legal Side of Financial Strategies
Creating a financial strategy – which includes financial and legal elements – is smart, practical, and satisfying. Especially when a family member has special needs. “A sound financial strategy takes your family’s current and future financial needs into consideration, especially when planning for the future care of a family member with special needs”, says Kenneth…
Reverse Mortgages The Good, The Bad, And The Ugly
BY BERNARD A. KROOKS, ESQ For those who have special needs, or are caregivers for an individual with special needs, the promise of extra cash flow from a reverse mortgage may seem like a wonderful gift; however, be sure to read the fine print. Reverse mortgages are a complex and often misunderstood product. Although they…
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