Two-lifetime planning for families with a loved one with a disability.
Fee-only, flat-fee fiduciary in Greensboro, NC, serving the Triad, Triangle, and families nationwide.
We help families pull together the Special Needs Trust, ABLE savings account, and benefits like SSI & Medicaid that a loved one with a disability relies on. And we answer the questions families ask most: Who manages the trust? Who knows the plan? What happens when you’re not here?
Get Started Read the Special Needs GuideFlat-fee: one transparent annual price based on complexity, not portfolio size
Fiduciary: legally required to act in your best interest, no commissions, no hidden incentives
Tax-focused: year-round planning to help lower your lifetime taxes, from Roth conversions to Social Security and Medicare (IRMAA) timing.
Special needs expertise: Special Needs Trusts, ABLE accounts, SSI & Medicaid, and two-lifetime planning.
Where we serve: Triad and Triangle in person, plus virtual nationwide
We solve for complexity, not just investments.
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Coordination Chaos
The problem: Your CPA, attorney, trustees, and advisor don’t talk, leaving you stuck as the exhausting go-between.
Our fix: We do “The Legwork.” We coordinate your professional team and sync tax and estate strategies so details don’t fall through the cracks.
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The Tax Blindspot
The problem: Most families pay far more in taxes over their lifetime than they ever needed to, not from bad decisions, but from planning that only looks backward.
Our fix: Proactive, year-round tax planning designed to help reduce lifetime tax drag. So opportunities aren’t missed and surprises don’t show up later.
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Two-Lifetime Planning (Special Needs)
The problem: What happens to your loved one when you’re not here? Who coordinates the finances, manages the trust, and makes sure the right people know what to do?
Our fix: A durable plan for two lifetimes: Special Needs Trust and Achieving a Better Life Experience (ABLE) coordination, successor readiness, a living Letter of Intent, and clearly defined roles for trustees, caregivers, and professionals to carry your family’s intent forward. Read the Special Needs Financial Planning Guide →
Who We Serve
Special needs families are the heart of our practice. Our depth in benefits, trusts, and coordination serves every family we work with.
Families Navigating Special Needs
For families with a loved one with a disability. We coordinate the Special Needs Trust, ABLE account, and benefits like SSI & Medicaid, plus Disabled Adult Child (DAC) benefits, help your family get ready for who takes over one day, and keep your attorneys, trustees, and caregivers working from the same plan.
Read the Special Needs Financial Planning Guide →Retirees and Pre-Retirees
For people a few years from retirement, or newly retired, with a tax-heavy picture. We help you decide when to move money to a Roth (a Roth conversion), what order to draw from your accounts, and how to cover the years before Social Security and Medicare start, so you pay less tax over time.
Retirement & Tax Planning
Why Families Choose Legs Financial
Two-Lifetime Planning
A lasting plan for two lives, yours and your loved one’s. We work with your attorney so the Special Needs Trust is in place, help you open and manage the ABLE account, help you put your loved one’s needs and wishes into a Letter of Intent (LOI), and help everyone get ready for the day someone else takes over.
Trust & Benefit Coordination
We handle the money side of the Special Needs Trust, ABLE accounts, SSI & Medicaid eligibility, and DAC benefits, plus the plan to fund them, so your attorney’s legal work and your benefits counselor’s work stay clean.
Flat-Fee, Fee-Only Fiduciary
Our fee is based on planning complexity, not portfolio size. No commissions. No minimum account size. When we recommend funding a trust, paying down debt, or holding cash, it’s because the analysis supports it.
Coordinated with Your Team
We do not draft trust documents, prepare tax returns, or apply for benefits. We coordinate them. Your attorneys, CPAs, trustees, and benefits counselors stay in their lanes; we make sure the work fits together.
What we don’t do
We coordinate; we do not replace.
- Draft trust documents, wills, or any legal instruments
- Prepare or file tax returns
- Apply for benefits on a family’s behalf
- Earn commissions on insurance or investment products
Your attorneys, CPAs, trustees, and benefits counselors stay in their lanes. We make sure the work fits together.
Mike Davis
Professional designations and memberships. Registration does not imply a certain level of skill or training.
What is special needs financial planning?
Special needs financial planning coordinates the financial side of caring for a family member with a disability. It includes Special Needs Trust funding, ABLE account strategy, SSI & Medicaid eligibility monitoring, DAC benefits planning, and the long view: who manages the trust, who knows the plan, and what happens across two lifetimes.
What is two-lifetime planning?
It covers two people at once: you and the loved one who will need support for the decades to come. We line up your retirement, tax, and estate plans with the Special Needs Trust, benefits, and money set aside for your loved one, so the plan keeps working even after you no longer can.
What is the difference between a Special Needs Trust and an ABLE account?
A Special Needs Trust (SNT) is a legal arrangement that holds assets for a person with a disability without affecting needs-based benefits like SSI & Medicaid. An ABLE account is a tax-advantaged savings account for a person whose disability began before age 46, allowing them to save and spend on qualified disability expenses. The two work together: SNTs handle larger, longer-term assets; ABLE accounts handle day-to-day flexibility. Many families use both.
When should families start special needs planning?
It helps to start early, because a few things depend on age. At 18, your child becomes a legal adult, which changes who can make decisions for them. Two benefits depend on when the disability began, not on your child’s age today: Disabled Adult Child (DAC) benefits need it to have started before age 22, and an ABLE account needs it to have started before age 46. Other decisions, like who inherits what (beneficiary designations) and whose name is on each account (titling), are easy to get wrong, so review them early too.
What is flat-fee financial planning?
Flat-fee financial planning charges a single, transparent fee for comprehensive advice, rather than a percentage of your investment accounts. At Legs Financial, the flat fee is based on planning complexity, not portfolio size, so our guidance stays objective whether we recommend investing, paying down debt, or holding cash.
What is “The Legwork” in financial planning?
The Legwork is the work we do between meetings to keep a complex plan moving. The right people talk, the right steps happen, and nothing gets lost at the handoffs. It’s the follow-through that turns a financial plan into financial progress.
Ready to build your family’s two-lifetime plan?
Schedule a complimentary 30-minute Trailhead Meeting. No prep needed. We’ll talk through where your family is, where you want to go, and how we typically guide families like yours.
Schedule a Trailhead MeetingWhere We Work
Areas We Serve
We meet face-to-face with clients across the NC Triad and Triangle, and work virtually with families nationwide.
- ✓ Greensboro
- ✓ Winston-Salem
- ✓ High Point
- ✓ Durham
- ✓ Chapel Hill
- ✓ Raleigh
- ✓ Virtual, nationwide