Cynthia Haddad - The Special Needs Planning Guide: How to Prepare for Every Stage of Your Childs Life

Paul H. Brookes Publishing Co.

Post Office Box 10624

Baltimore, Maryland 21285-0624

USA

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Copyright 2022 by Paul H. Brookes Publishing Co., Inc.

All rights reserved.

Previous edition copyright 2007.

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The information provided in this book is in no way meant to substitute for a financial professionals advice or expert opinion on your personal financial planning. Readers should consult a financial, legal and/or tax professional if they are interested in more information specific to their situation. This book is sold without warranties of any kind, express or implied, and the publisher and authors disclaim any liability, loss, or damage caused by the contents of this book. All information has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability or completeness of, nor liability for, decisions based on such information, and it should not be relied on as such. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy mentioned will be profitable. Past performance is no guarantee of future returns. Additional important disclosures may be found in the Affinia Financial Group Form ADV Part 2A. For a copy, please go to Affiniafg.com.

The individuals described in this book are composites or real people whose situations are masked and are based on the authors experiences. In all instances, names and identifying details have been changed to protect confidentiality.

Purchasers of The Special Needs Planning Guide: How to Prepare for Every Stage of Your Childs Life, Second Edition, are granted permission to download, print, and photocopy the planning worksheets and templates in the text for personal planning purposes. A Parents Guide to the Letter of Intent, available with the other downloadable resources for this book, was created by Patricia Manko for the Special Needs Financial Planning Team at Affinia Financial Group. These forms may not be reproduced to generate revenue for any program or individual. Photocopies may only be made from an original book. Unauthorized use beyond this privilege may be prosecutable under federal law. You will see the copyright protection notice at the bottom of each photocopiable page.

Library of Congress Cataloging-in-Publication Data

Names: Haddad, Cynthia R., author. | Nadworny, John W., author.

Title: The special needs planning guide : how to prepare for every stage of your childs life / by Cynthia R. Haddad, CFP, ChSNC, and John W. Nadworny, M.B.A., CFP, CTFA.

Description: Second edition. | Baltimore, Maryland : Paul H. Brookes Publishing Co., [2022] |Includes bibliographical references and index.

Identifiers: LCCN 2021034526 (print) | LCCN 2021034527 (ebook) | ISBN 9781681254296 (paperback) | ISBN 9781681254302 (epub) | ISBN 9781681254319 (pdf)

Subjects: LCSH: Parents of children with disabilitiesUnited StatesFinance, PersonalHandbooks, manuals, etc. | Children with disabilitiesCareUnited StatesPlanningHandbooks, manuals, etc. | People with disabilitiesCareUnited StatesPlanningHandbooks, manuals, etc. | People with disabilitiesLegal status, laws, etc.United StatesHandbooks, manuals, etc. | Estate planningUnited States. | BISAC: FAMILY & RELATIONSHIPS / Life Stages / General | SOCIAL SCIENCE / People with Disabilities

Classification: LCC HQ759.913 .N33 2022 (print) | LCC HQ759.913 (ebook) | DDC 332.02400870973dc23

LC record available at https://lccn.loc.gov/2021034526

LC ebook record available at https://lccn.loc.gov/2021034527

British Library Cataloguing in Publication data are available from the British Library.

Version 1.0

Contents

With Leo V. Sarkissian

Purchasers of this book may download, print, and/or photocopy the planning worksheets, Letter of Intent template, and other selected resources for use in their personal planning.

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Since the early 1990s, Cynthia and John have worked together as pioneers in the field of special needs financial planning. When they first started their careers, there were no guidelines, references, or research available to help them advise families in planning for their and their childs future. They pulled from their own personal experiences as a sibling and a parent and their professional knowledge to create one of the first comprehensive resources for professionals and families in writing The Special Needs Planning Guide: How to Prepare for Every Stage of Your Childs Life (Brookes Publishing, 2007).

As thought leaders and subject matter experts on the topic of planning for people with disabilities, Cynthia and John are quoted extensively in the media. They continue to share their passion and understanding as noted authors and speakers in providing financial planning information on related topics to families, organizations, and professionals. They have presented hundreds of pro bono informational workshops and participated in panels of professionals and families throughout the United States. They have held positions of leadership and served on various boards of organizations throughout their careers as fervent advocates for individuals with disabilities.

In 2019, after working together for nearly three decades, Cynthia and John founded their own firm, Affinia Financial Group, a Registered Investment Advisor, in Burlington, MA. Affinia Financial Group conducts business under the Special Needs Financial Planning name. Advisory services are offered through Affinia Financial Group, LLC, a registered investment advisor. It is Cynthia and Johns intention to pass their knowledge and experience on to future generations of advisors and families.

Cynthia R. Haddad, CFP, ChSNC, Partner
Affinia Financial Group, Burlington, MA
https://affiniafg.com/ and https://specialneedsplanning.com

Cynthia grew up watching her parents love and care for her older brother with special needs, while juggling the needs of the whole family. She understands firsthand that lives are complex, and with each day comes the possibility of new challenges and successes. Early in her career, she began to view her profession through a personal lens, recognizing the unique nature of the financial planning requirements of families like her own. Cynthia applies her extensive planning skills and empathetic approach to her practice in advising individuals, families, and trustees. She understands the importance of taking a pragmatic approach to the planning process and focuses on communication, guidance, and encouragement to keep her clients actions aligned with their goals.