All parents with children with significant mental disabilities (or PSNs – Persons With Special Needs) are burdened by two things:

1. The huge financial resources to support their children on a long-term basis. Assuming the PSN require $5000 per month in living expenses, medical, special school, special education and cost of care giver – the total amount required for a 1 year old child is 5000 x 12 x 82 = $4.92 million assuming an average mortality of 82 years old and not taking into account of inflation. As it can be seen, the financial burden is astronomical.
2. The second problem face by parents is not able to take care of PSNs when parents themselves become disabled and deceased.

These two unique problems are issues that ordinary financial planners are unable to solve because it defies the common assumptions that children do not require their parents’ financial support when they ......