Recommended Articles & Books
For inquiries please contact John Nadworny or Cynthia Haddad at 781-756-1804.
Recent articles featuring contributions from John Nadworny and Cynthia Haddad:
CNBC.com, Special-needs trust is key part of some estate plans , June 1, 2016
Financial Advisor Magazine, Will Advisors to Special Needs Clients use ABLE Act Accounts?, October 5, 2015
Journal of Financial Planning, Incorporating the ABLE Act into Special Needs Planning, John W. Nadworny, May 2015.
The New York Times, Tips for the Future Care of Disabled Family Members, March 27, 2015
Reuters, The limitations of ABLE accounts for the disabled , May 18, 2015
Law Professor Blogs Network , The ABLE Act Provides New Alternatives to Help With Disability Planning, Monday, May 11, 2015.
The Advocate, the ARC of Massachusetts,“Practical Perspectives on the ABLE Act”, an interview with John Nadworny CFP® and Fred Misilo of Fletcher Tilton, Attorneys at Law.
The Boston Globe, A disabilities act, long in planning, is finally law, January 2, 2015.
FPA SmartBrief.com, Advantages and limitations of ABLE accounts, May 19, 2015.
Nerd’s Eye View, Weekend Reading for Financial Planners, May 9, 2015.
A disabilities act, long in planning, is finally law. by Joan Vennoci. The Boston Globe. January 2, 2015
Trust for the Future, by Doug Page, Bay State Parent,November 2012.
Winchester Business Leaders: Cynthia Haddad, John Nadworny, Mark Shepherd The Winchester Star, July 25, 2011.
The Parent Care Solution: How Planners Can Help Clients with Aging Parents by Jim Grote, Journal of Financial Planning, December 2008 [available by subscription]
Financial Plans are Key for Special Needs Families by Eileen AJ Connelly, Forbes.com (Associated Press), October 1, 2008
Aging America Creates Niche for Geriatric-Care Managers by Darla Mercado, Investment News, September 8, 2008
Alzheimer's Scourge Challenges Advisers by Darla Mercado, Investment News, July 28, 2008.
Your Money Radio Interview with Cynthia Haddad and John Nadworny. Spring 2008.
Click here to listen to the Your Money interview
(mp3: 4.3 MB)
New Book Helps Special Needs Financial Planning - Belmont Citizen-Herald, April 15 2008
House May Take Up Proposal for Disabled by Sue Asci, Investment News, February 4, 2008. Savings vehicle would establish tax-exempt accounts.
Ensure Future Care for a Disabled Child by Rachel L. Sheedy in Kiplinger's Retirement Report, July, 2007.
Why the Fernald Center Should Close by Mary Ellen Mayo and John Nadworny, The Boston Globe, May 31, 2007
Securing the Future for a Disabled Child by Sandra Block, USA Today, June 23, 2006. John Nadworny contributed to this report.
Financial Firms Focus On Parents of Disabled by Christopher Oster, The Wall Street Journal, August 26, 2004
Trust & Obey (Setting up a special needs trust for a disabled child requires attention to the letter and spirit of all the relevant laws and regulations) by Deborah L. Jacobs, Bloomberg Wealth, July/August 2004.
Serving Special Needs Kids (When a family hears the news that their child will be disabled for a lifetime, financial priorities change overnight) by Pamela Savage Forbat, Registered Representative, September 2001. A lengthy article with detailed information for families planning for the lifetime support of a special needs child.
Special Needs Trusts - Misunderstood, Underutilized by Dorothy Hinchcliff, Financial Advisor, January 2001
Clients with Special-Needs Children Require a Special Planning Effort by Leslie Rosenberg, Ticker, November 2000
Sheltering Loved Ones by Kimberly Lankford, The Boston Globe, November 1999
A Financial Plan for a Special Family by Priscilla Brandon. From the November 1998 issue of Kiplinger's Retirement Report. An interview about special needs financial planning with Cynthia R. Haddad.
A Plan for Parents of Disabled Children by Barbara Whitaker, The New York Times, October 1996. Cynthia Haddad and others explore the process and the options for Exceptional Parents.
The Special Needs Trust Administration Manual, A Guide for Trustees - by Barbara D. Jackins, Esq., Richard S. Blank, Esq., Peter M. Macy, Esq., Harriet H. Onello, Esq., and Ken W. Shulman, Esq. Published by People with Disabilities Press at iUniverse (2004): $15.95. Available fromDisabilitiesbooks.com
The Special Needs Trust Administration Manual: A Guide for Trustees is a valuable reference guide for anyone who is managing a special needs trust for a person with disabilities. Written by five Massachusetts attorneys, the book will appeal to both professional trustees and lay persons. It is concise, easy to use, and packed with helpful information.
A central theme that runs throughout the book is the beneficiary's eligibility for public benefits such as SSI, SSDI, Medicaid, and Section 8 housing. What can the trustee safely pay for without risking those benefits? The authors give useful advice and provide many concrete examples.
This is a practical reference took. In easy to understand language, the authors answer common questions such as
- What are my responsibilities to the disabled beneficiary?
- Can I spend money for a car, trip, or gift?
- Can I buy a house or condominium, and if so, who should own the property?
- What expenses can I safely pay without risking SSI benefits?
- How do I open a bank account?
- Does the trust needs it own taxpayer identification number?
- What happens if I need to resign?
The book is logically organized into chapters that address topics such as public benefit programs, housing, recreation, transportation, and taxes. The authors also explain the trustee's bond, fees, record keeping, accounting requirements, and fiduciary investment responsibilities.
Since the authors are Massachusetts attorneys, the book explains how SSI and Medicaid regulations are applied in that state. However, readers in any state can benefit from the valuable information in this book.
Developing a Life Care Plan for Family Members with Disabilities
Published by Jewish Family & Children's Services
In order to assist families in this process, a group of professionals in the field of special needs planning have come together to offer families a place to start.
Special Needs Planning Guide for Families provides families with an overview of the issues they need to consider, an outline of how to proceed, as well as a comprehensive resource list.
Cynthia Haddad and John Nadworny contributed to this useful book.
To Order Call: 781-647-JFCS (5327)
or download a free copy here