Financial planning for families raising a child with special needs.
You already carry the appointments, the paperwork, and every detail of your child's care. We help you build the plan that carries it forward. One plan for your retirement and your child's whole life, so the people, the money, and the knowledge around them are ready when you can't be.
Based in Peabody, Massachusetts. We work with families in English and Spanish.Does any of this sound like your family?
You're successful by almost any measure. You've done responsible things. And there's still a question in the back of your mind that nobody has helped you answer.
You're the operating system.
The doctors, the therapies, the renewals, the routines. It all runs through you. If something happened to you tomorrow, nobody would know where to start.
You have a trust. You're not sure it works.
Someone drafted it years ago. Nobody has checked it against your beneficiary forms, your retirement accounts, or your life insurance since.
You're saving for two futures.
Your own retirement, and a lifetime of support for your child. You don't know if you can do both, or what "enough" even means.
Family wants to help, and it makes you nervous.
A generous gift or inheritance left to your child directly can put SSI and Medicaid at risk. Most relatives have no idea.
You don't know what to ask your other kids.
Whether a sibling should take on a role someday. What's fair to ask. When to even bring it up.
Your advisor never asked.
Your plan covers college and retirement. It says nothing about the child who will need support for life, because nobody asked the question.
If even one of these sounds familiar, you're in the right place.
Your family needs two kinds of help. Most advisors bring one.
Some advisors know investments and taxes. Some specialists know benefits and trusts. When those live in separate plans, one smart move can quietly undo another.
Comprehensive financial planning
For the life you're building now.
- Management of all your investment accounts
- Retirement planning
- Tax planning across your working years and beyond
- Insurance and protecting your income
- Coordinating with your estate attorney and CPA
Special needs planning
For the life your child will live after you.
- Protecting eligibility for SSI and Medicaid
- Special needs trusts, ABLE accounts, and beneficiary designations
- Decision-making support at 18 and beyond
- Care roles, backups, and a letter of intent
ClearView brings both into one plan. Your retirement and your child's lifetime are planned together, by one team, so every decision is made with the whole family in view.
How we build your plan: the Six P's
Most planning starts with the money. Ours starts with your child's life, then builds everything else to serve it.
Picture
What life are we planning for?
Where your child will live, what a good day looks like, who matters to them, and what gives them purpose.
Price
What will that life cost?
An honest cost range built from your child's actual life, alongside your own retirement needs.
Protect
Will the money reach them the right way?
Trusts, ABLE accounts, and beneficiary forms that work together instead of against each other.
People
Who will actually do this work?
Trustees, decision-makers, and caregivers, each with a backup who has said yes.
Preserve
What lives only in your head?
The routines, the triggers, and the knowledge no legal document captures, written down for whoever comes next.
Practice
How will this stay current?
A yearly review, plus a call when life changes, so the plan keeps matching the life it was built for.
What changes when the plan is finished
| Before | After |
|---|---|
| Everything important lives in your head. | It's written down, and someone else could use it tomorrow. |
| You hope the trust and the beneficiary forms line up. | You've seen exactly where every dollar goes, on paper. |
| "Enough" is a number you try not to think about. | You have a range built from your child's real life, and a plan to fund it. |
| You're choosing between your retirement and their future. | Both live in one plan, and you can see how they fit together. |
| One person holds the whole system together. You. | Every role has a name and a backup, and they've both agreed. |
| The plan was set up once, years ago. | It gets reviewed every year, and whenever life changes. |
Is ClearView the right fit?
We're a great fit if you are
- A professional family, such as physicians, attorneys, executives, or business owners, raising a child with special needs
- Parents of an adult child who will need support for life
- Ready to plan your own retirement and your child's future together
- Looking for a long-term relationship, not a one-time answer
We're probably not the right fit if you
- Only want someone to pick investments
- Need a trust drafted this week. That's an attorney's job, and we'll work alongside yours.
- Would rather not revisit the plan once it's done
Hi, I'm Reggie.
For years I sat in planning meetings with successful families and noticed the same thing. Parents raising a child with special needs often never mentioned it. Not because it didn't matter, but because nobody had shown them it belonged in the plan.
It does. It changes almost every decision, from how an account is titled to whose name goes on a form. So I built ClearView around it, and built the Six P's so families can see the whole picture in one place.
I'm a husband and a father. I host Planning for Their Future, a podcast for families like yours. And I'll be the person you work with, start to finish.
- Founder, ClearView Family Wealth
- Host, Planning for Their Future
- Hablo español
Getting started is simple.
An intro call
A 30-minute conversation about your family and where you feel stuck. You'll leave with at least one thing to check, whether or not we work together.
Your Six P's plan
We build one plan around your child's life and your own retirement. We coordinate with your attorney and CPA, so you're not the go-between.
We keep it current
We review it every year and whenever life changes. Birthdays, school transitions, a new job, a move. You don't have to remember. We do.
Not ready to talk yet? Start here.
Care Plan
The Lifetime Care Plan
A free 55-page fillable workbook that walks you through the Six P's. Enter your name and email and download it instantly.
Your workbook is ready.
Download it now, and start with the self-assessment on page 7. It takes about ten minutes.
Download the workbook (PDF)Want to talk through what you find? Book a 30-minute call with Reggie.
Planning for Their Future
The podcast for families raising or supporting someone with special needs. One piece of the plan at a time.
Questions families ask
Our child is still young. Is it too early?
Our child is already an adult. Is it too late?
We already have a special needs trust. Do we still need this?
Do you replace our estate attorney?
How do your fees work?
Do you manage our investments too?
Let's talk about your family.
Tell us a little about where you are. Reggie reads every message personally.
- You'll hear back within one business day, from Reggie, not an assistant or an automated sequence.
- The first call is a conversation.No forms to prepare and no documents to bring.
- Prefer to book directly?Pick a time on the calendar.
Thank you. Your message is on its way to Reggie.
While you wait, the free workbook's self-assessment takes about ten minutes and shows where your plan is most exposed.
Get the free workbook