COMPREHENSIVE GUIDANCE FOR THE SPECIAL NEEDS FAMILY
If you’ve been searching for real answers about special-needs planning, you’ve probably noticed something — most people can’t explain the details that matter.
Parents are overwhelmed, focused on daily challenges, and often left without a trusted place to turn when it comes to SSI, Medi-Cal, ABLE accounts, Special Needs Trusts, housing, or long-term funding.
Safe Harbor Special Needs Planning is different.
This is all we do. We provide clear, step-by-step guidance through every stage of your child’s life — childhood, adulthood, and beyond — so you always know what to do, when to do it, and how to protect your child’s future.
As a Chartered Special Needs Consultant (ChSNC®), I bring specialized expertise, compassion, and practical solutions designed around your child’s unique needs and your family’s vision for the future.
At Safe Harbor, the goal is simple:
Give you peace of mind, eliminate confusion, and help you build a safe, secure, lifetime plan of care so your child is always protected — no matter what.
OUR MISSION
AT Safe Harbor Special Needs Planning, we understand that securing the long -term financial well being of a child with an intellectual or developmental disability (I/DD) requires more than good intentions or generic financial advice. It demands specialized knowledge, careful coordination, and a planning partner who understands the lifelong implications of each decision.
Families facing these complexities need a guide who can see the full picture — someone who can integrate financial strategy, government benefits, estate planning, and long-term care considerations into one cohesive, protective plan. That’s exactly what Safe Harbor provides.
We offer a comprehensive, family-office style service built specifically for special needs families.
Our role is to manage and coordinate every aspect of your child’s long-term financial and benefits landscape. From designing an airtight Special Needs Trust strategy to safeguarding SSI, Medi-Cal, and IHSS, to helping you structure lifetime funding solutions that preserve your child’s eligibility, Safe Harbor ensures nothing is left to chance.
Our expertise spans all the key areas families must navigate, including:
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Special Needs Trust planning & trustee coordination
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ABLE accounts and benefits-friendly asset strategies
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Government benefits navigation (SSI, SSDI, Medi-Cal, IHSS, Medicare)
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Lifetime funding strategies and protection planning
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Tax-efficient coordination with trusts, benefits, and estate plans
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Housing, care, and long-term support planning
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Guardianship, conservatorship, and decision-making structures
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Letter of Intent development with detailed family instructions
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Coordination with attorneys, CPAs, fiduciaries, and care teams
With years of experience working exclusively with special needs families — and a deep understanding of the financial, legal, and emotional challenges you face — Safe Harbor provides a concierge-level partnership. We take on the complexity, so you don’t have to shoulder it alone.
Every recommendation is made with foresight, compassion, and a clear understanding of how today’s choices impact your child’s entire lifetime. Our mission is simple: protect your child’s benefits, stabilize their future, and give your family lasting peace of mind.
Let Safe Harbor create a structured, comprehensive plan that brings clarity, confidence, and security to your child’s financial future — today and every day moving forward.