• Supplemental Security Income (SSI) is a needs-based program that provides financial assistance to individuals with limited income and resources, including adults 65 and older and people with disabilities.

• SSI recipients must report all sources of income, including earned income, unearned income, in-kind support and maintenance, gifts and financial assistance, and other resources. They can do so via several channels, including online, phone, and in person.

• Failure to report income accurately and on time can lead to overpayments, penalties, reduced benefits, or suspension of payments.

• Life care planners play an important role in helping individuals with disabilities, chronic illnesses, or catastrophic injuries navigate their future care needs.

• By providing comprehensive plans that address medical, financial, and personal requirements, these professionals serve as invaluable resources for families, attorneys, and health care providers.

Thanks to recent changes in the tax law, families can now make limited transfers from existing 529 accounts to ABLE accounts with no tax consequences. Families with special needs children may be thinking about rolling existing 529 funds into ABLE accounts.

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

• Qualifying for Social Security Disability Insurance (SSDI) takes an average of six to eight months, with a five-month waiting period from the official onset date of disability before payments begin.

• Fast-track processes can expedite applications for individuals with severe health conditions.