Special Needs Planning – Securing the Future for Loved Ones in NJ

Special Needs Trusts – The Cornerstone of Protection

A special needs trust (SNT) allows you to leave assets for a loved one with a disability—without affecting their access to vital public programs. There are different types:

• First-Party SNT: Funded with the beneficiary’s own assets (settlements, gifts, etc.).
• Third-Party SNT: Funded by parents, family, or others—often through a will, life insurance, or inheritance.
• Pooled SNT: Managed by a nonprofit, pooling funds for efficiency but keeping separate accounts for each beneficiary.



These trusts pay for life-enhancing extras—education, therapies, travel, or personal care—while government benefits cover basic needs.

Planning for Guardianship & Decision-Making

When someone loses capacity, there are two main ways to handle legal and financial affairs: guardianship or powers of attorney. Setting up a durable power of attorney and healthcare directive in advance gives you the ability to manage affairs smoothly, without court intervention. If a loved one is already incapacitated, our team guides families through New Jersey guardianship proceedings, explaining the process step by step and providing representation in local probate courts. Proactive planning can prevent unnecessary stress, expense, and delays for your family.

Protecting Benefits & Navigating Complex Rules

Government benefits programs have strict asset and income limits. One wrong move—like a direct inheritance—can cause a loss of SSI or Medicaid. We help families:

• Structure inheritances to avoid disqualification
• Advise on ABLE accounts, gifting, and family contributions
• Plan for transitions in care, living arrangements, or government policy changes