The Power of Love: Happy 60th Ron!

Posted by Cynthia Haddad on Thu, Feb 14, 2019 @ 06:00 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 . 

 

The Power of Love: Happy 60th Ron!

By Cynthia Haddad

Happy 60th RonFor my brother Ron, it has always been about his birthday. Every summer of my adult life, the phone calls would begin with “Are you getting ready for my birthday?”. It would be Ron calling, giddy with excitement, wanting to talk about the plans for his upcoming birthday. The thing is, his birthday is on January 6th.

After telling him how excited I am about plans for his birthday, I remind him that it is my birthday coming up next in August, and then my children in November and then our brother Steve’s is in December, and THEN it will be his birthday, 6 days after the New Year.

Ron has always been, and will always be, “the special one” in our family. This past January was his 60th birthday and we had a big party to celebrate this milestone. It was a surprise party and Ron had a great, great time – especially after he recovered from the shock of it all!

Ron&parentsBeing with him on his 60th birthday, immersed in the warmth of family and friends and seeing the extraordinary love my parents have for Ron, I am overwhelmed with gratitude.

While they are getting up there in age, their joy and focus on Ron, even after celebrating 60 birthdays together, is so fresh and true; Ron will never grow old in their eyes.  

 

Looking Back…

Celebrating Ron’s 60th was also a time for me to reflect back on my parent’s love and devotion to Ron since we were young; a time when there were no entitlements for children with disabilities. 

After being told her son was “not educable”, my Mom, as one from a generation of pioneering parents, advocated for her son’s education even though there was no basis for her to do so. She was empowered because she believed in Ron and she knew what he had inside of him.

In 1972, Massachusetts passed landmark legislation, known as Chapter 766, guaranteeing all children the right to a free and appropriate public education. Without this law, coupled with my mother’s advocacy efforts, Ron would have never achieved so much, including:

  • Being one of the first people with special needs to graduate from Minute Man Tech.
  • Representing Massachusetts in the International Special Olympics.
  • Having been gainfully employed after high school throughout his life.
  • Living outside the family home, and so much more.

Ron is now a viable part of our society; he works, has friends, goes on trips, lives in an apartment with supports, and is a fully participating member of our family.

Today…

We cannot even imagine what it was like for parents of children Ron’s age and older with special needs.  At that time, the state’s view was that children with disabilities should be kept in an institution.  Parents were told their child would most likely never work or be a part of the community, and other negative stories of a very difficult life ahead. My mother knew parents who literally had their daughter living in a closet in order to protect her from being removed from their family and sent to an institution. 

We’ve come a long way. Thanks to the pioneering parents and to the countless parents and advocates who still passionately fight for children to receive needed supports and believe they should be allowed an opportunity to live a full and a meaningful life in the community.

Tomorrow…

Ron & cindy

My parents are my heroes. The power of their love for Ron is beyond what I can describe; they have put everything aside to care for and champion him his entire life. As devoted as I am to Ron, I must admit that I do not have the same degree of love for him that my parents do. He is my brother and I am not expected to; I have my husband and children to focus on. 

How do I care for him through the ups, downs and every days without losing myself in the middle?  How do I honor my parents and pass that intense love forward from generation to generation?

 I have found my answer in knowing my limits, what my capacity is and when I need to ask for help from my brothers, my cousins, my friends, my colleagues, and professionals. I know we can never replace our parents’ love but we can surround Ron with a network of family, friends, staff and community who care.

Ron is not just “the special one”, he is the very much loved one by many!

 Now…

I just came from seeing my brother, Ron, and he is very excited… about turning 61 next January!

A very Happy Valentine’s Day to my loving family!
To my parents, my husband and children, and all three of my brothers…
I thank you for the power of your love.

the Sibs

 

Tags: parents of people with disabilities, siblings

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

A Talk with My Parents Around Our Holiday Table

Posted by Alex Nadworny on Fri, Dec 14, 2018 @ 06:30 AM

A Talk with My Parents Around Our Holiday Table

A Sibling's Story: Thanksgiving, 2012

by Alex Nadworny

thanksgiving pies_pexels-photo-1634062

 

It was the first Thanksgiving in a long time where it was just the five of us: Ben, me, Dad, Mom and James, around the table. We gave thanks for all we had and the feasting began.  We ate and talked and laughed until we were as stuffed as Thanksgiving turkeys ourselves. We settled into post-dinner conversation and everyone was relaxed and in a great mood, when I heard myself say to my parents, “Where will James live when you are gone?”

Ben & jamesImmediately Ben replied, “He’s living with me.”

To which I said, “No, with me.”

To which my Dad said, “No way he’s living with either of you!”

This question had been on my mind. I loved James and would do anything for him, but I didn’t know exactly what being his caregiver would entail and how it would impact my life.  I have never been concerned about the planning for my brother; this was a given as my Dad is a professional financial planner and my Mom is an advocate and support group leader. But no one had ever asked me what I wanted for James.

 I knew my parents were handling things from a big picture perspective, like building a home for James, but I wanted to know more about what was involved with supporting his day-to-day life.  My Mom kept a detailed schedule of James’ activities but there was something missing: the many things James required, big and small, that she and my Dad did every day.

Alex & james_cropped Our family always talked about everything and I felt comfortable asking my parents anything; there were never any communication barriers. In this case, it was harder for my parents to hear this question than it was for me to ask it.  While they had a plan all mapped out in their minds, they had avoided talking with Ben and me about our future roles in James’ life. Like many parents, they assumed that caring for James would place a burden upon us and they were not ready to have that conversation. I felt differently; I wanted to know what the plan was and to be empowered to shape my role in James’ life.

 In many families, adult children who have a sibling with special needs have their own lives and for varying reasons, really don’t want to be involved in a hands-on manner; they may live a distance away, have family obligations of their own and/or a demanding career. Still, talking about the who, what, and where of the future support plans for their sibling is an essential conversation to have. A sibling’s expectation does not need to be that they will be a caregiver or have to change their life.  It is a wonderful role to be just a brother or sister. 

 The truth is that while every family is different, this conversation always needs to happen. This holiday season, if the atmosphere is right, and you know what you want to say, respectfully start talking! 

Download our Holiday Tips for Family Talks here 

 

 

Tags: parents of people with disabilities, siblings, guardianship, families with special needs, planning for a future after parents are gone

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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