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Special Needs


If you're a parent, you're concerned about your child's emotional well-being, physical health, and financial security. When you're the parent of a child with special needs, these concerns are magnified. Of course, physical and mental disabilities can strike at any age, and the person with special needs may not be a child. But the goals for the families of any person with a disability are similar: to create a more certain future for that person, as well as for the entire family.

It's important to consider three main channels of assistance when you're trying to protect and care for a person with a disability: the family, state and federal governments, and charitable organizations. These sources of support should work together to make the person with special needs and those immediately involved in that person's care feel more secure.

Luttner Financial Group, a Lifetime Financial Growth Company is an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY. Securities products and services offered through Park Avenue Securities, LLC (PAS), member FINRA, SIPC. OSJ: 244 Boulevard of the Allies Pittsburgh, PA 15222, 412-391-6700 PAS is an indirect, wholly-owned subsidiary of Guardian. Luttner Financial Group, a Lifetime Financial Growth Company is not an affiliate or subsidiary of PAS or Guardian. Important Disclosures GEAR #2014-10161 (exp.08/16)