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_logo.svg.pngCNBC.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 MembersMarch 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 PlanningMonday, 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.

The 
Boston Globe 

A disabilities act, long in planning, is finally law. by Joan Vennoci. The Boston Globe. January 2, 2015

Money Magazine, May 2013

 

 Paying for Finn: a special needs child, Money, May 2013.

 

 

Trust for the Futureby Doug Page, Bay State Parent,November 2012.

Winchester Business Leaders: Cynthia Haddad, John Nadworny, Mark Shepherd The Winchester Star, July 25, 2011.

Journal of Financial Planning
The Parent Care Solution: How Planners Can Help Clients with Aging Parents by Jim Grote, Journal of Financial Planning, December 2008 [available by subscription]

ForbesAssociated Press
Financial Plans are Key for Special Needs Families by Eileen AJ Connelly, Forbes.com (Associated Press), October 1, 2008

Investment News: Aging America Creates Niche for Geriatric Care Managers
Aging America Creates Niche for Geriatric-Care Managers
by Darla Mercado, Investment News, September 8, 2008

Investment News: Alzheimer's Scourge Challenges Advisers
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.

Audio FileClick 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

Investment News: House May Take Up Proposal for Disabled
House May Take Up Proposal for Disabled
by Sue Asci, Investment News, February 4, 2008. Savings vehicle would establish tax-exempt accounts.

Kiplinger's Retirement Report: A Financial Plann for a Special Family
Ensure Future Care for a Disabled Child by Rachel L. Sheedy in Kiplinger's Retirement Report, July, 2007.

The 
Boston Globe
Why the Fernald Center Should Close by Mary Ellen Mayo and John Nadworny, The Boston Globe, May 31, 2007

USA Today: Securing the Future for a Disabled Child
Securing the Future for a Disabled Child by Sandra Block, USA Today, June 23, 2006. John Nadworny contributed to this report.

The Wall Street Journal: Financial Firms Focus on Parents of Disabled
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.

Financial Advisor Magazine: Special Needs Trusts
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

Boston Globe: Sheltering Loved Ones
Sheltering Loved Ones
by Kimberly Lankford, The Boston Globe, November 1999

Kiplinger's Retirement Report: A Financial Plann for a Special Family
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.

New York T imes: A Plan for Parents of Disabled Children
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.

Recommended Books

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

Special Needs Trust Adminsitration ManualThe 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
NEW EDITION

Special Needs Planning Guide for Families

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