Do you or someone you know have a special needs child or family member? Protecting their quality of life, for the rest of their life, is something you can plan for.

Special needs workshop available by request.

Podcast: Financial Planning for special needs families

Raising a child with special needs brings love, stress, and financial decisions that can feel overwhelming. In this episode, Annette Hammortree, shares how families can think clearly about money while navigating daily care, emotional strain, and long‑term planning.

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Your Plan, Their Possibilities- A Parents' Guide for raising children with Special Needs

A collaborative Brochure with Guardian and Annette Hammortree.

Click Here to Read the Article

Lessons My Son Has Taught Me About The Business

Annette's personal story of the lessons Shane has taught her.

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Retirement For Three

How children with special needs can impact the income plan

by Annette Hammortree, CLTC, RICP^®

Click Here to Read the Article

Caretakers Needs During Covid-19

Annette was recorded in a Guardian Special Needs resource video regarding Caretakers needs during Covid-19. We hope you find the information helpful.

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Financial Considerations for Families of Children with Special Needs

Annette had the opportunity to participate in a podcast with Dr. Daniel Crosby who is an author and writer for The NY Times and Wallstreet Journal. Families of children with special needs have financial and personal realities that many people are unaware of. We hope this gives insight to the financial considerations for those who have someone they love with special needs.

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Helpful Articles, Brochures, and Links

Able Act Pamphlet

Understanding the 'Achieving a Better Life Experience' (ABLE) Act

https://specialneedsanswers.com/

Special Needs Article on our philosophy of planning as featured in Forbes

Letter of Intent for Special Needs Planning - Printable

Letter of Intent for Special Needs Planning - Digital

Forget Me Not Brochure

Caretaking and Career with a Special Needs Child

Special plans for a special life

The importance of planning for family members with special needs

Special Olympics

Able Notion Resource Center

Autism Speaks

Cerebral Palsy Guides

Learning Disabilities Association of America

National Autism Center

National Down syndrome society

The Arc

United Cerebral Palsy

Williams Syndrome

S.I.B.S. - Supporting Illinois Brothers and Sisters - Support for siblings of people with disabilities

The Arc of the United States

Special Needs Alliance

Wrights Law

Special Needs Planners

www.irsc.org

National Alliance on Mental Illness

Government Resources

ADA.gov

Medicaid

Medicaid Long-Term Care Guide (organized by state)

Medicare

Office of Disability Employment Policy

Social Security Disability Benefits

TSA Helpline for Travelers with Disabilities

Links to other sites are for your convenience in locating related information and services. This Agency, The Guardian Life Insurance Company of America (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide. Although this Agency, Guardian and PAS believe that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose. Accordingly, this Agency, Guardian and PAS expressly disclaim any responsiblity for the content the accuracy of the information or the quality of products or services provided by the organizations that maintain these sites. This Agency, Guardian and PAS do not recommend or endorse thse organizations or their products or services in any way.