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Mark Miller: Remaking Retirement

Retirement Planning for Special-Needs Families

Contributor Mark Miller discusses the government assistance available to special-needs family members, the role of ABLE accounts, and retirement plans that involve the whole family.

The financial planning challenges for parents of special needs children are myriad and complex--and retirement planning presents one of the toughest challenges. The core challenge is balancing the financial needs of retirement with long-term needs of a child with a disability--needs that usually outlive the parents.

"If we aren't asking the right questions, we're going to miss an important part of the retirement plan for these families," says Mary Anne Ehlert, a certified financial planner based in Lincolnshire, Illinois.