Design your future

Can one hour change your life? Special needs planning starts when you make the decision to take action to improve your life. Many steps in planning are actually simple once you’ve set your heart and mind on living a better, happier and stress-free life. There are many people who can help you build financial security and protecting benefits through good estate planning but none of them can help until you’ve made the decision to move forward.

Life comes at families like ours too fast. It’s easy for months and years to go by without feeling like there’s been any progress in our goals. That feeling changes when you have outcomes in mind and when you’ve taken steps to achieve those outcomes.

We have appointments with doctors, therapists, school administrators and agencies in addition to everything else we do with our work and family lives. Creating a vision of what we want to happen helps us remember why we do what we do and can turn those appointments from drains to steps along the path towards achieving better outcomes.

Pro tip

Block off your calendar for one hour and head to a local coffee shop or park bench. Write down everything you want out of life, your goals and what needs to take place for you to live with less stress and more enjoyment. Don’t stop yourself – just write down every thought.

Create special needs trust

Can one hour change your life? Special needs planning starts when you make the decision to take action to improve your life. Many steps in planning are actually simple once you’ve set your heart and mind on living a better, happier and stress-free life. There are many people who can help you build financial security and protecting benefits through good estate planning but none of them can help until you’ve made the decision to move forward.

Life comes at families like ours too fast. It’s easy for months and years to go by without feeling like there’s been any progress in our goals. That feeling changes when you have outcomes in mind and when you’ve taken steps to achieve those outcomes.

We have appointments with doctors, therapists, school administrators and agencies in addition to everything else we do with our work and family lives. Creating a vision of what we want to happen helps us remember why we do what we do and can turn those appointments from drains to steps along the path towards achieving better outcomes.

Pro tip

Block off your calendar for one hour and head to a local coffee shop or park bench. Write down everything you want out of life, your goals and what needs to take place for you to live with less stress and more enjoyment. Don’t stop yourself – just write down every thought.

Obtain financial stability

Can one hour change your life? Special needs planning starts when you make the decision to take action to improve your life. Many steps in planning are actually simple once you’ve set your heart and mind on living a better, happier and stress-free life. There are many people who can help you build financial security and protecting benefits through good estate planning but none of them can help until you’ve made the decision to move forward.

Life comes at families like ours too fast. It’s easy for months and years to go by without feeling like there’s been any progress in our goals. That feeling changes when you have outcomes in mind and when you’ve taken steps to achieve those outcomes.

We have appointments with doctors, therapists, school administrators and agencies in addition to everything else we do with our work and family lives. Creating a vision of what we want to happen helps us remember why we do what we do and can turn those appointments from drains to steps along the path towards achieving better outcomes.

Pro tip

Block off your calendar for one hour and head to a local coffee shop or park bench. Write down everything you want out of life, your goals and what needs to take place for you to live with less stress and more enjoyment. Don’t stop yourself – just write down every thought.

Eliminate debts

Can one hour change your life? Special needs planning starts when you make the decision to take action to improve your life. Many steps in planning are actually simple once you’ve set your heart and mind on living a better, happier and stress-free life. There are many people who can help you build financial security and protecting benefits through good estate planning but none of them can help until you’ve made the decision to move forward.

Life comes at families like ours too fast. It’s easy for months and years to go by without feeling like there’s been any progress in our goals. That feeling changes when you have outcomes in mind and when you’ve taken steps to achieve those outcomes.

We have appointments with doctors, therapists, school administrators and agencies in addition to everything else we do with our work and family lives. Creating a vision of what we want to happen helps us remember why we do what we do and can turn those appointments from drains to steps along the path towards achieving better outcomes.

Pro tip

Block off your calendar for one hour and head to a local coffee shop or park bench. Write down everything you want out of life, your goals and what needs to take place for you to live with less stress and more enjoyment. Don’t stop yourself – just write down every thought.

Fund your trust

Can one hour change your life? Special needs planning starts when you make the decision to take action to improve your life. Many steps in planning are actually simple once you’ve set your heart and mind on living a better, happier and stress-free life. There are many people who can help you build financial security and protecting benefits through good estate planning but none of them can help until you’ve made the decision to move forward.

Life comes at families like ours too fast. It’s easy for months and years to go by without feeling like there’s been any progress in our goals. That feeling changes when you have outcomes in mind and when you’ve taken steps to achieve those outcomes.

We have appointments with doctors, therapists, school administrators and agencies in addition to everything else we do with our work and family lives. Creating a vision of what we want to happen helps us remember why we do what we do and can turn those appointments from drains to steps along the path towards achieving better outcomes.

Pro tip

Block off your calendar for one hour and head to a local coffee shop or park bench. Write down everything you want out of life, your goals and what needs to take place for you to live with less stress and more enjoyment. Don’t stop yourself – just write down every thought.

Understand social security

Can one hour change your life? Special needs planning starts when you make the decision to take action to improve your life. Many steps in planning are actually simple once you’ve set your heart and mind on living a better, happier and stress-free life. There are many people who can help you build financial security and protecting benefits through good estate planning but none of them can help until you’ve made the decision to move forward.

Life comes at families like ours too fast. It’s easy for months and years to go by without feeling like there’s been any progress in our goals. That feeling changes when you have outcomes in mind and when you’ve taken steps to achieve those outcomes.

We have appointments with doctors, therapists, school administrators and agencies in addition to everything else we do with our work and family lives. Creating a vision of what we want to happen helps us remember why we do what we do and can turn those appointments from drains to steps along the path towards achieving better outcomes.

Pro tip

Block off your calendar for one hour and head to a local coffee shop or park bench. Write down everything you want out of life, your goals and what needs to take place for you to live with less stress and more enjoyment. Don’t stop yourself – just write down every thought.

In the News

Six Methods for Dealing with a Roller Coaster Market

Corrections and bear markets never come at the right time. Distressing world events materialize, and the stock market pullbacks just add stress and anxiety to the difficult times.  In January, the world was fine; schools were in session, stocks were up, politics were divisive — it was business as usual. But a few weeks later our world was turned upside down and daily living has all but halted.

READ FULL ARTICLE…

Dad to Dad - Interview with Rob Wrubel - Special Needs Planner, Author and Father of a Daughter with Downs Syndrome

On this Special Fathers Network Dad to Dad podcast, host David Hirsch speaks with Rob Wrubel, a father of three, including Sarah, who has Down Syndrome. Rob is a financial planner who specializes in helping special needs families invest in their future. He’s an author, an advocate for children with special needs and he’s David Hirsch’s guest on this Special Fathers Network Dad to Dad podcast.

LISTEN HERE…

Staying Calm When the World is Not

Financial basics that people must institute to prepare for disasters.

It has been rough turning on the TV news these days. Or visiting social media. Or talking to just about anyone. There is no lack of issues that can cause stress and anxiety. The coronavirus. The stock market. Families with special-needs members need to take even greater care that they are prepared for times like these. Medically fragile people are at higher risk of complications from viral infections, and any lack of continuity of care—whether medical or nutritional–could be disastrous. These people and their caregivers must be prepared should a primary caregiver get sick and communication with support networks need to increase.

READ FULL ARTICLE …

14 Tax Deductions That Parents and Grandparents Shouldn't Overlook

StriveCast Podcast- Season 2, Episode 19: Financial Planning with Rob Wrubel

On today’s episode of the #STRIVECast, Noel and Jeff speak with financial planner, Rob Wrubel! Rob focuses on financial planning for families with a special-needs member. Rob has also written a book titled “Financial Freedom for Special Needs Families”. Rob gave the STRIVECast team some great advice. We hope you find it as informative as we did! We also got some #ValentinesDay dating tips during “Yaking With You”, discussed favorite and least favorite presidents (in honor of Presidents Day), and played a riveting game of alphabet categories during Susie’s Q’s! #HappyListening #podcast #finance #valentine

LISTEN HERE

No Excuses! Advice from a Single Dad of Down Syndrome Daughter

Planning for a family member with special needs means planning for a second generation

On any given day I am not sure if I learn more from my children or they from me. I’m a single father of three and so much of my learning continues to come from my high schooler, Sarah, who has Down syndrome. One of the lessons I have learned is that if we can make our schools, social groups, and work environments more friendly and accessible to people like my daughter, then we will improve the quality of life for each member of our community….

I'm not sure, guide me

Can one hour change your life? Special needs planning starts when you make the decision to take action to improve your life. Many steps in planning are actually simple once you’ve set your heart and mind on living a better, happier and stress-free life. There are many people who can help you build financial security and protecting benefits through good estate planning but none of them can help until you’ve made the decision to move forward.

Life comes at families like ours too fast. It’s easy for months and years to go by without feeling like there’s been any progress in our goals. That feeling changes when you have outcomes in mind and when you’ve taken steps to achieve those outcomes.

We have appointments with doctors, therapists, school administrators and agencies in addition to everything else we do with our work and family lives. Creating a vision of what we want to happen helps us remember why we do what we do and can turn those appointments from drains to steps along the path towards achieving better outcomes.

Pro tip

Block off your calendar for one hour and head to a local coffee shop or park bench. Write down everything you want out of life, your goals and what needs to take place for you to live with less stress and more enjoyment. Don’t stop yourself – just write down every thought.

Able ACT - Rob Wrubel

There are newer tax laws that can benefit parents of those with disabilities and help take some of the sting out of taxes and expenses associated with the disability. “The Achieving a Better Life Experience (ABLE) Act of 2014 allows states to create tax-advantaged savings programs for eligible people with disabilities (designated beneficiaries). Funds from these 529A ABLE accounts can help designated beneficiaries pay for qualified disability expenses,” explained Rob Wrubel, senior vice president with Cascade Investment Group. “ABLEs shield income and capital gains from tax while the money grows and, if the money comes out for Qualified Disability Expenses, the growth is tax-free. A big win.”

Also, with the ABLE Act, some of that money can be shifted to a tax-free vehicle…read more

UCCS to graduate first class in special needs program

Family planning is essential

Expenses related to medical appointments, procedures, therapies, devices and transportation can be hard enough to bear, let alone saving money for college and care in the future, parents say.

“So many families struggle with debt,” said Rob Wrubel, author of “Financial Freedom for Special Needs Families” and father of 16-year-old Sarah, who has Down syndrome and is a cheerleader and varsity track and field competitor at Palmer High School.

“Families are overwhelmed,” he said, adding that he regularly speaks around the nation to “help get people motivated and simplify financial planning so they can take some action.” 

READ FULL ARTICLE…

Special-needs families may get squeezed by tax reform

Gerardo and Mercedes Orozco have two daughters with autism spectrum disorder: Karla, 14, and Andrea, 12.

Each child may have more than a dozen doctor appointments in a typical year, Gerardo said, plus hours of therapy, including occupational and speech therapy, and more.

The couple said they pay as much as $50,000 per year out-of-pocket in healthcare costs. Until now, Gerardo was able to deduct a large portion of those expenses from his taxes because of a medical-expense deduction that is slated for elimination under the Tax Cuts and Jobs Act, released on Nov. 2. 

READ FULL ARTICLE HERE

my Articles & News from years past- still great info and resources!

Families can pool resources for disabled in ABLE accounts- READ MORE

How to work with clients who have special needs- READ MORE

Parent of Down syndrome child pens book on financial planning for special needs family members- READ MORE

Financial Freedom for Special-Needs Families – planning essentials – READ MORE