Haddad Nadworny

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Upcoming Presentations- Our New Workshops Calendar

Posted by Haddad Nadworny on Sat, Mar 30, 2019 @ 07:00 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFA

 

Workshops Calendar We are proud to debut our new interactive Workshops Calendar. You may now view our upcoming presentations with all the requisite details and RSVP with one click! To view our new Workshops Calendar, click here

 To schedule a talk for your group for Fall 2019, contact Alex Nadworny. 

Our Workshops

Planning for Two Generations - Special Needs Financial Planning is planning for two generations.  Many children with a disability must be supported their entire lives, even long after their parents have died. This presentation centers upon our Special Needs Planning Timeline™. The timeline highlights the various planning pressure points where parents should be aware of changes relating to their child's benefits, legal and financial issues. The primary focus is to help parents avoid common mistakes and pitfalls in their own planning.  In addition we will also discuss the ABLE account and its potential role in planning for your child.

Housing -  The Housing Workshop is a step by step guide to planning for your child when it is time to move out.  It will focus upon combining personal resources and government benefits to create a home for your loved one.  The goal is to help you plan to achieve your vision of a great life for your son or daughter.

We will review the issues with an eye toward identifying what is needed, how much it will cost and how to do it!

A Team to Carry On - We’ve learned from the families we have worked with over the past 20 years that planning for an individual with special needs requires a different team: a team of professionals, friends and family members who will form an infrastructure to carry on even when you are no longer there.

Planning for the future of an individual with special needs requires marshaling financial resources but even more importantly, arranging for the human resources to carry on in the role of the parents. While no one person can duplicate what a parent does, the family should identify a person who will captain a team with at least three members with distinct roles: a trustee, a guardian and a money manager. Having a team provides the checks and balances that protect against any conflict of interest.

SibTips - Brothers and sisters share the longest relationship on earth.  As siblings play a larger role in the lives of their brothers or sisters with a disability, they often times are confused by the new set of terms and acronyms they need to learn to navigate the service system.  SibTips was created by siblings for siblings and is a combination of a glossary of terms and acronyms used in the disability community and practical tips for siblings to know.  Download a copy of our SibTips.

The SibTips presentation focuses on sharing practical tips that siblings need to support their brother or sister with disabilities as they plan for the future. Our speakers (and both sisters of brothers with disabilities) Cindy Haddad and Alex Nadworny will discuss aspects of the caregiver relationship you should understand such as the history of services your sibling has received, your sibling’s support needs, and all family members’ wishes for the future. They will also provide tips on how to prepare to support your brother or sister to navigate the service system.

Tags: special needs planning workshops

Upcoming Presentations & Workshops- March

Posted by Haddad Nadworny on Sat, Mar 09, 2019 @ 07:00 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFAWe are committed to presenting complimentary educational workshops to  organizations and parent groups. We are currently booking presentations for the Spring 2019 season. Please click here to email Alex Nadworny or call 781-756-1804 . 

 

JOIN US!

Upcoming Workshops & Presentations

Date

Workshop

Location

Wednesday

March 20

6:30-8 PM

The Housing Workshop 

Tenney School Auditorium - 2nd floor

75 Pleasant St.

Methuen, MA 

Friday

March 22

1-3 PM

A Team to Carry On-

Planning for the Future When You Are Gone or Have Limitations 

Perkins  

Grousbeck Center
175 North Beacon Street
WatertownMA 02472

Saturday

March 23

9 - 5 PM

 

MDSC Annual Congress

DCU Center

50 Foster St. 
WorcesterMA 02472
 

Wednesday

April 3

5:30 - 8PM

Resource Fair 

Cotting School

453 Concord Avenue

Lexington, MA 02421 

Tuesday

April 9

6-8 PM

Planning for Two Generations

Seven Hills Pediatric Center

22 Hillside Ave

Groton, MA

Wednesday

April 10

9-10:30 AM

Planning for Two Generations

Hopeful Journeys

28 Tozer Road

Beverly, MA 

Saturday
April 27

Planning for Two Generations

Perkins Early Connections Conference

Tuesday

April 30

6-7:30

A Team to Carry On

Seven Hills Transition Support Specialists

1460 John Fitch Highway

Fitchburg, MA 01240

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tags: special needs planning workshops

Upcoming Presentations & Workshops- February

Posted by Haddad Nadworny on Thu, Feb 07, 2019 @ 06:30 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFAWe are committed to presenting complimentary educational workshops to  organizations and parent groups. We are currently booking presentations for the Spring 2019 season. Please click here to email Alex Nadworny or call 781-756-1804 . 

 

JOIN US

For the next installment in Our Speaker Series: 

Self Directed Services: Service Models and How they Work

RSVP to Alex Nadworny ( email/ 781-756-1804) - see the flyer below for details. 

 

Upcoming Workshops & Presentations

Date

Workshop

Location

Friday

February 15

Noon

Planning for Two Generations

RSVP to Donielle Buie

Broad Institute

Cambridge, MA

Wednesday

March 6

6:30 - 8PM

Our Speaker Series- SEE FLYER BELOW

Self- direction: Service Models and How They Work,
a presentation by Bev McGovern of DDS

Shepherd Financial Partners 

1004 Main Street

 Winchester, MA 01890

Friday

March 22

1-3 PM

A Team to Carry On-

Planning for the Future When You Are Gone or Have Limitations 

Perkins  

Grousbeck Center
175 North Beacon Street
WatertownMA 02472

Wednesday

April 3

5:30 - 8PM

Resource Fair 

Cotting School

453 Concord Avenue

Lexington, MA 02421 

Tuesday

April 9

6-8 PM

Planning for Two Generations

Seven Hills Pediatric Center

22 Hillside Ave

Groton, MA

Wednesday

April 10

9-10:30 AM

Planning for Two Generations

Hopeful Journeys

28 Tozer Road

Beverly, MA 

Saturday
April 27

Planning for Two Generations

Perkins Early Connections Conference

Tuesday

April 30

6-7:30

A Team to Carry On

Seven Hills Transition Support Specialists

1460 John Fitch Highway

Fitchburg, MA 01240

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 self directed services presentation

 

Tags: special needs planning workshops

Reassessing Your ABLE Account Investment Choices

Posted by Haddad Nadworny on Sat, Jan 19, 2019 @ 07:00 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFA

We are committed to presenting complimentary educational workshops to  organizations and parent groups. We are currently booking presentations for the Spring 2019 season. Please click here to email Alex Nadworny or call 781-756-1804 . 

 

Reassessing Your ABLE Account Investment Choices

ABLEBoth the stock and bond markets took a bit of a roller coaster ride in 2018.  In light of this volatility, ABLE account owners may be wise to test and perhaps reassess the investment choices they have made for the funds in their account. 

As part of an advisory group implementing the ABLE account in Massachusetts, we learned that many people opening ABLE accounts stopped the application process when they were asked to determine the investment choices for their contributions. This behavior raised a concern that individuals enrolling in the ABLE program might not have the prior experience or knowledge of financial matters to make the best selection for their situation.

If you began investing in 2015 when the ABLE was first being offered, unless you withdrew funds for expenses, you most probably never saw your account balances decline in 2016 and 2017. During this period, both the stock and the bond markets experienced positive returns. 

Last year offered a different picture; in 2018 volatility returned to both the stock and bond markets and the returns on your investment, depending on when you put funds in, may have taken a hit.  For investors with little experience, it may be a shock to observe 90 cents where they had invested a dollar a short time earlier.  Regardless of how much money is in the account, it is critical to invest the funds in the ABLE account to meet the goals of the account owner.

 In many respects this is an opportunity to learn about how financial markets work.  Now would be a good time to take a look at your account balances and gauge your reaction to the performance of your investment choices in 2018.

 Key Considerations for Your Investment Choices

  1. Your asset allocation, or balance between stocks, bonds and money markets, should be based upon your personal ability to withstand a decline in your balance and your tolerance of market volatility .
  2. Your asset allocation should align with the timing of your goals.

If a portion of the funds in the ABLE are being used for transactions, owners should consider investing these monies with very low risk assets. Depending on how the account is being used, the funds should be invested to provide a mix between funding for transactions and growth for the future. See our case study below about Paul's ABLE choices

The markets have come back since the recent low on 12/24/2018, making now an excellent time to reassess your tolerance for risk and make an adjustment to your ABLE account.  This should be a thoughtful and informed evaluation; federal law allows account owners to change investments in their ABLE account twice per year.  Be sure you are comfortable that the money is invested to meet both your short-term needs and your long-term goals. 

Paul_pexels-photo-212286 Read More  about the ABLE Account.

An example of ABLE Investing:

Paul's ABLE Choices

 

 

Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual, nor intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Prior to investing in an ABLE account investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other benefits that are only available for investments in such state's ABLE program. Withdrawals used for qualified disability expenses are federally tax free. Tax treatment at the state level may vary.

Investing involves risk including loss of principal.

No strategy, including a diversified strategy, assures success or protects against loss.

Asset allocation does not ensure a profit or protect against a loss.

 

 

 

 

Tags: ABLE Account

Upcoming Presentations & Workshops

Posted by Haddad Nadworny on Sat, Jan 12, 2019 @ 07:30 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFAWe are committed to presenting complimentary educational workshops to  organizations and parent groups. We are currently booking presentations for the Spring 2019 season. Please click here to email Alex Nadworny or call 781-756-1804 . 

Our Workshops & Presentations

Date

Workshop

Location

Friday

January 18

12 - 2PM

Housing:

A Step by Step Guide for When Your Child is Ready to Move Out 

 

Perkins Parent Workshop  

Grousbeck Center
175 North Beacon Street
WatertownMA 02472

 

Tuesday

February12

6:30 - 8PM

Planning for Two Generations

Dearborn Academy

575 Washington Street

Newton, MA 02458

 

Friday

February 15

Noon

Planning for Two Generations

Broad Institute

Cambridge, MA

Wednesday

March 6

6:30 - 8PM

Our Speaker Series- SEE FLYER BELOW

Self- direction: Service Models and How They Work,
a presentation by Bev McGovern of DDS

Shepherd Financial Partners 

1004 Main Street

 Winchester, MA 01890

 Friday

March 22

1-3 PM

A Team to Carry On-

Planning for the Future When You Are Gone or Have Limitations 

Perkins  

Grousbeck Center
175 North Beacon Street
WatertownMA 02472

 Wednesday

April 3

5:30 - 8PM

Resource Fair 

Cotting School

453 Concord Avenue

Lexington, MA 02421 

Wednesday

April 10

9-10:30 AM

Planning for Two Generations

Hopeful Journeys

28 Tozer Road

Beverly, MA 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SELF DIRECTED FLYER

 

Tags: special needs planning workshops

Wrapping things up with The New York Times and on to 2019

Posted by Haddad Nadworny on Sat, Dec 29, 2018 @ 07:00 AM

 

NYT FBWhile we often publish articles and are quoted in the media, we are pleased to be wrapping up 2018 on a high note: featured in the most recent Wealth Matters column of The New York Times. The article tells the story of Michael and Carole Maguire, parents of Ally who has special needs. When Ally was young and there were many unknowns, they decided that financial planning was the most tangible action they could take to help provide a full life for their daughter in the future. Our team's advice to parents in this situation is featured. Read the article here.

 

Cindy on panel_LPL Focus 2018 croppedIn 2019, we will continue our presentations and educational outreach to parents, non-profit and community organizations. We are proud to have presented to more than 25 groups in 2018, providing foundational information and resources for individuals and families. Please reach out to Alex to schedule a presentation for your group. 

We send our best wishes for a happy, healthy and prosperous 2019 to all our readers!The Special Needs Financial Planning Team John Nadworny, CFP, CTFA |Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFA

December 2018 Workshops & Presentations

Posted by Haddad Nadworny on Sat, Dec 01, 2018 @ 08:00 AM

We are committed to presenting complimentary educational workshops to  organizations and parent groups. We are currently booking presentations for the Spring 2019 season. Please click here to email Alex Nadworny or call 781-756-1804 . 

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA |Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFA

winter photo pexels

 

We wish you a happy holiday season. Please join us for our complimentary December 2018 presentations. 

Please reach out to Alex for more information and follow us on Facebook!   

 

Tuesday,

December 4

6:30-8:30 PM            

Planning for Two Generations

Waltham High School

617 Lexington St,

Waltham, MA 02452

Wednesday,

December 5

6-8 PM

Planning for Two Generations

Lifelinks

4 Omni Way

Chelmsford, MA 01824

Tuesday,

December 11

7-8:30 PM

Planning for Two Generations

Winchester Town Hall

71 Mt Vernon St,

Winchester, MA 01890 

 

 

 

 

Tags: special needs presentations

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