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.
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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.
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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.