Special Needs Families

Step Strategies stands for Special Types of Estate Planning

Providing financial security is every family’s dream, and yet, the most challenging job of all.  Factors such as inflation and taxation are only added obstacles to this already difficult goal.  A family with a disabled dependent is faced with an even more daunting task; they have an added responsibility of providing financial security for their dependents’ lifelong needs.

If you’ve begun planning, you know how complicated financial issues for a disabled dependent can be.  Protecting government benefits such as SSI, SSDI, Medicare and Medicaid are key factors that make the task of financial planning far more arduous than the ordinary person faces.  The family dynamics and increased need for financial support make long-term preparedness even more challenging.

The STEP Strategies Approach

Using the STEP Strategies approach, we as financial planners, use a team approach, working with your family, attorneys and CPAs to simplify the process and ensure that you have considered all issues relevant to your situation.  Our hindsight now becomes your foresight, one step at a time. 

As we work with each family, we realize the importance of formulating strategies that are  flexible, affordable and tailored to individual situations.  Our commitment is to be your partner -- someone who knows you, appreciates your situation and can help you and your dependent as events and needs arise.

Our client centered model: 

For help to begin your own family's planning, please contact our office and set up an appointment to speak with a Special Care Planner. There is no fee or obligation for an inital consultation with our planners.  Sliding fee scale is available for families with low incomes.

Securities, investment advisory, and financial planning services are offered through qualified registered representatives of MML Investors Services, Inc, Member SIPC. Supervisory office: 3 Greenway Plaza, Suite 1700, Houston, Texas 77046, 713/402-3800. K Financial Services, Inc. is not an affiliate or subsidiary of MML Investors Services, Inc.  Insurance offered through Massachusetts Mutual Life Insurance Company and other fine companies.