Helping you live your best life.

Gene LaRock CLU, ChFC, RICP, ChSNC, WMCP is a recognized specialist in the area of special needs financial planning and is passionate about assisting families who have a child or an adult with long-term support needs. Gene is also a parent of a child with special needs and experiences the daily challenges we face.

Planning for a child with special needs goes beyond traditional financial planning. Join us from the comfort of your own home, ask questions, and talk with a fellow parent in a non-threatening, non-pressure environment. We'd love to be of help if you're ready to learn. 

There are three main components to building a sound plan. They are:

  1. Estate Planning Attorney who will offer you expertise on things like guardianship, a special needs trust, etc.
  2. Government Benefits Specialist – someone who not only helps us with access and identification of programs at the local, state and federal levels but gives us the cost planning analysis needed to determine just “how much” needs to go into the special needs trust at your passing. We work with several experts in this area depending on your child's needs.
  3. And myself, a Wealth Management Advisor – typically I'm the quarterback for your plan and help make communication with these folks simple and consistent for you and your family.

We make sure the right documents are in place but most importantly that those documents (like the Special Needs Trust and ABLE accounts) have a detailed funding plan upon your passing or inability to care for your loved one.

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Special-Needs Financial Planning for the Family

For the family of a person with special needs, financial planning is a necessity. A well-designed and executed special-needs plan can have a profound impact on your loved one’s quality of life and can help turn your dreams for his or her future into reality. A comprehensive plan can also help you avoid some common mistakes and oversights that could jeopardize the lifetime support of your loved one with special needs. With so much at stake, it’s vital to work with professionals who understand the complexities of planning for a person with special needs. In fact, getting advice from someone without this expertise may do more harm than good. That’s why it’s so important to seek help from a team of advisors who are experts in special-needs planning.

We can help you build your team of experts and coordinate all efforts on your behalf. With our collective guidance, you’ll be empowered to make informed decisions, take appropriate actions and help provide the highest possible quality of life for those who depend on you.

I value the opportunity to help create a vision for your family's future and to make a positive and significant difference in the lives of the people I meet.

To learn more about the importance of long-term planning for your child (or adult) family member with special needs, please contact us to setup a complimentary consultation.

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Retirement planning

We tailor your plan to fit you and your goals with a range of financial options. From insurance for protection to strategies for growing your money and providing more flexibility, we'll help you live the retirement you always wanted.

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