Reaching Your Special Needs Financial Goals in the New Year

As 2019 begins, it arrives with optimism and excitement to start fresh, set goals, create action plans, and work to accomplish those goals. For so many of us, we begin the year with such great intentions, but we don’t always end the year reaching the goals that we set.

Reaching Your Special Needs Financial Goals in the New Year

Why is that the case?

Ciara Conlon, a performance and leadership development expert, provides us with some great insight.  She breaks it down to five reasons:

1. We don’t really know what we want

Clarity does not exist. You have not taken the time to decide why a certain goal is important, and how accomplishing it will change your life or the lives of those you love.

2. We are not specific enough

Our goals are too broad, with no timeline for completion. If you are not willing to set a timeline for accomplishing your goals, then they are probably not important enough to accomplish, yet.

3. We set goals we think we should have

Sometimes these goals come from other people or society as a whole but are not really our own. To accomplish a goal, it has to be your own goal, driven by your desires.

4. We set too many goals at once

We overwhelm ourselves by making our to-do list so long that we don’t know where to start or which goal to strive for truly.

5. We are not willing to give anything up

Attaining one thing means sacrificing something else. That sacrifice could be time, money, energy, a little bit of pain for more pleasure later, or a blend of all these items. If you are not willing to sacrifice for a goal, then you should cross that one off your list.

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You may ask, what does goal setting have to do with special needs planning, and planning for the lifetime of my child with autism? The reason to discuss goal setting in conjunction with planning is that I have heard countless families tell me that they have been thinking about planning for years, but never got around to it. It is easy for that to happen, because planning is not something that is mandated that you do, EVER. It is something you have to decide is important and then give yourself a deadline.  However, before you do that, search for WHY you want to complete your plan.

  • How will completing a plan change your life?
  • How will it change your loved one’s life?
  • How will it change your family’s life?

Planning for two lifetimes can seem like a daunting task, but if you can feel WHY it is important to you, then you will be able to overcome any obstacle and create a great plan which will take care of your loved one, as well as your entire family!!

PS: If your loved one is an adult and is receiving SSI (Supplemental Security Income) you will see a bump up in your payment by 2.8% beginning in January of 2019.

For more information on how to prepare for the future, be sure to contact a financial advisor who specializes in serving families with special needs. A Special Needs Plan is driven by their purpose of leading families to independence through an on-going multi-generational plan. A Special Needs Plan is passionate about families confidently moving forward.

101 N. McDowell Street, Suite 120
Charlotte, NC 28204


This article was featured in Issue 84 – The Journey to Good Health and Well-Being

Ryan Platt

Ryan F. Platt, MBA, ChFC, ChSNC, is a registered representative that offers securities, investment advisory, and financial planning through MML Investors Services, LLC, member of SIPC. A Special Needs Plan is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies. This article is not a recommendation or an endorsement of any products. He is the founder of A Special Needs Plan.

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