What is a Chartered Special Needs Consultant® and how can they help me?

With the growing prevalence of disabilities across the world comes a growing need for financial advisors who have expertise in this area. This expertise is needed not only with special needs trusts and life insurance, but with the understanding of various disabilities and medical conditions, coordination of government benefits, the ever changing laws and regulations, tax benefits, an appreciation for the impact on your family dynamic, and more.

A Chartered Special Needs Consultant (ChSNC®) has the necessary skills to navigate the unique financial challenges related to disabilities and other medical conditions.

ChSNC® must have at least five years of professional experience in financial services or the practice of law, or four years of professional financial services experience and an undergraduate degree. They must successfully complete the required coursework, as well as adhere to The American College of Financial Services Code of Ethics and comply with The College’s Professional Recertification Program.

The expertise of a ChSNC® spans across many areas of financial planning.

Here are some examples:

  • Special education
  • Family dynamics
  • Emotional and language considerations
  • Disability law
  • Special needs trusts
  • Life insurance
  • Government benefits
  • The ABLE Act
  • Estate planning
  • Retirement planning for an additional person
  • Tax planning
  • Medical costs

Modera can help.

It can be difficult to find a firm and an advisor who truly understands and can help you with your special needs planning. At Modera, we have a deep bench of professionals with a range of expertise areas.

Learn more about our own Charted Special Needs Consultant®, Mindy Neira.

To get in touch, contact us.