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Planning For Special Needs

Plan with Compassion.
Protect with Confidence.

Specialized Planning for Families with Loved Ones Who Have Special Needs

When your financial plan includes a child, sibling, or loved one with special needs, it requires extra care, strategy, and long-term vision. At NRI Wealth Management, we help families design personalized plans that provide lifetime support — without jeopardizing critical benefits or future stability. We’ll help you navigate a complex landscape with clarity and peace of mind.

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testimonials

What Our Clients Are Saying

Working with Laddi Jhuty from NRI Wealth has completely transformed the way we approach our finances. His guidance is clear, thoughtful, and always in our best interest. For the first time, we feel confident about our long-term plan and know exactly where we’re headed financially.

Tarun B.

What sets them apart is their genuine care. They are proactive, responsive, and incredibly knowledgeable. From investment management to retirement and tax planning, they handle everything seamlessly. It feels like having a financial partner for life.

Abhi G.

We came in with scattered accounts, confusion, and no real plan. They organized everything, optimized our portfolio, and showed us opportunities we didn’t even know existed. Their structured notes strategy and retirement guidance have been invaluable.

Sumit P.

Working with this team has completely changed how I think about generating income. Their fiduciary fee-only, fully transparent approach gave me confidence from day one. They walked me through structured notes and fixed-income strategies in a way I could understand, and the portfolio now produces consistent income while staying aligned with my risk tolerance.

Rajeev K

I was getting ready to retire, and NRI Wealth built an income portfolio tailored to my goals and risk tolerance. The process was smooth, clear, and personalized. If you’re close to retirement and looking for a reliable income strategy, I highly recommend NRI Wealth.

Ravi R.

As an IT professional dealing with 401(k), RSUs, ESPP, and stock options, I needed expert tax planning. NRI Wealth delivered. If you want advanced tax guidance, this is the firm to contact.

Navi S.

1 Expert Plan
5 Growth Strategies​

For Special Needs

Long-Term Support for
What Matters Most

Providing for a loved one with special needs is a lifetime commitment — and your financial plan should reflect that. We guide you through decisions around special needs trusts, government benefits, guardianship, and coordinated family planning to ensure that your loved one is cared for now and in the future. It’s about security, independence, and legacy — all built with intention.
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Why Us

Planning with Compassion for
Families Supporting Special Needs

You want to do the right thing — and do it the right way. We bring compassion, clarity, and deep planning experience to help you make decisions you can feel good about.

Clarity Delivered

Special needs planning involves unique rules, legal tools, and benefit structures. We’ll help you understand how it all works — and how to protect eligibility for government programs. You’ll never feel lost in the fine print.

Tailored Strategies

Every family is different, and so is every plan. We listen closely, factor in medical and care needs, and design strategies that match your financial reality. Your plan will evolve as your loved one’s needs change.

Family-Centered Focus

We look at the big picture — your estate plan, your other children, your long-term financial goals — to ensure balance. It’s about building support systems that last for generations. Your entire family’s future deserves to be protected.

FAQ's

Got Questions? We’ve Got Answers

It’s a legal tool that allows you to set aside assets for a loved one without disqualifying them from government benefits like SSI or Medicaid. We’ll help you choose and structure the right type of trust.

Direct inheritance could jeopardize benefits. We’ll help you create a trust-based plan that ensures they’re supported without compromising eligibility.
A first-party trust uses the individual’s own assets, while a third-party trust uses assets from someone else (like a parent or grandparent). We’ll help you decide which structure best fits your situation.
Yes — and coordination is key. We’ll help your family plan together to ensure every contribution is aligned with the overall care and benefit strategy.

Planning ahead for guardianship, care transitions, and financial support is critical. We’ll help you establish structures that provide for continuity of care and decision-making.

Programs like SSI and Medicaid have strict income and asset limits. We help you plan in a way that preserves eligibility while still offering supplemental support through private resources.
It’s never too early. The earlier you plan, the more flexibility and options you’ll have to adapt to future needs.
Yes — and we’ll work closely with your estate attorney to ensure legal structures align with your financial strategy. We coordinate the full team on your behalf.

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Thoughtful Planning for
Your Loved One’s Future

Your loved one’s needs are unique — and your plan should be too. We’ll help you build a strategy that protects their well-being, preserves essential benefits, and gives your family lasting peace of mind. With expert guidance and compassion at every step, you’ll never feel like you’re doing this alone. Let’s plan for a future filled with care, confidence, and dignity.
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