Beyond A Budget Sheet

For families with special needs dependents, having a comprehensive financial plan isn’t just important—it’s essential. These plans go far beyond typical budgeting or saving; they provide long-term security, ensure continued access to care and support, and help preserve vital government benefits. A well-crafted financial strategy can offer peace of mind, knowing that a loved one’s needs will be met today, tomorrow, and long into the future—even when the primary caregiver is no longer able to provide direct support. It's about creating stability, protecting independence, and planning with purpose.

Close up of baby's face with parents blurred in background

It Matters Who You Work With

Working with a professional who specializes in special needs planning is crucial because this type of planning involves unique legal, financial, and emotional considerations that go far beyond traditional financial advising. A specialist understands how to navigate complex government benefits, advocate for protective legal strategies tailored to the individual's need (such as special needs trusts), and plan for lifelong care without jeopardizing access to essential services. They also recognize the importance of family dynamics, transition planning, and long-term security; helping families build a comprehensive plan that’s both compassionate and strategic.

Special needs financial planning is rooted in ensuring peace of mind, protection, and a purposeful future.

Planning for Special Needs

Financial Planning

Disability Planning

Insurance Protection Strategies

Retirement Planning & Income Strategies

Life Insurance Strategies

Education Planning & Funding

Estate Planning

The Northwestern Mutual difference

No. 1

Best life insurance company for consumer experience, 2023. (NerdWallet)1

Top 5

We're one of the Top U.S. Independent Investment Broker-Dealers.2

$8.2B

In dividends expected to be paid in 2025.3

A++

AAA, Aa1, and AA+ - we've earned the highest financial strength ratings awarded to life insurers from all four major rating agencies.4

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