Persons living with a disability have the right to engage in full-time, part-time work, or self-employment.

In doing so, they should be able to be paid minimum wage and be part of an environment that has both disabled and non-disabled persons working together, with opportunities for advancement for all employees. This concept is referred to as competitive integrated employment (CIE).

Tax season. Just the words can evoke a sense of stress and complexity. But what if it didn't have to be that way? What if you could approach tax time with confidence, knowing you've taken proactive steps to optimize your financial situation?

That's where the powerful partnership between you and your financial planner comes in. We're not just here to help you invest and plan for the future; we're also a crucial resource in navigating the often-intricate world of taxation. By working together on tax planning throughout the year, we can identify opportunities to potentially reduce your tax burden, enhance your investment strategies, and ultimately help you keep more of your hard-earned money.

You work diligently to save and invest for your future. But are you aware that taxes can significantly impact your investment returns? Without a thoughtful, tax-aware approach, a substantial portion of your hard-earned gains could end up going to Uncle Sam.

That's where your partnership with a financial planner becomes invaluable. We're not just focused on growing your portfolio; we're also dedicated to helping you do so in the most tax-efficient way possible. By strategically integrating tax considerations into your investment

To qualify for Supplemental Security Income (SSI), a federal program that provides people with disabilities a monthly stipend, individuals must conform to very strict income and asset limits. Often, SSI beneficiaries who could hold a job opt not to because they worry about losing their benefits if they earn too much. While this is a valid concern, a program known as PASS offers these individuals the opportunity to pursue their professional ambitions while continuing to receive SSI payment.

People with disabilities are disproportionately low-income. Like many other marginalized communities, people with disabilities are being priced out of many neighborhoods, especially in large metropolitan centers, as rental prices continue to skyrocket and affordable housing stocks dwindle.

Many families of individuals with special needs want to foster their loved ones’ independence. Some may find that their loved one is happiest with a personal living space, as independent living offers greater autonomy. However, several barriers prevent many adults with special needs from living on their own.

People with disabilities in the labor force face higher unemployment rates, work fewer hours, earn lower incomes, and accumulate less wealth than those without a disability. According to 2022 data, the unemployment rate for American workers with disabilities is twice that of people without disabilities.

ABLE accounts can enhance quality of life for people with disabilities, offering financial protection while preserving access to public benefits for some individuals.