Special Needs Planning · Massachusetts
Special needs financial planning in Massachusetts
Massachusetts families tend to arrive well-read and mid-checklist. Good. We're registered in the Commonwealth, we meet over video, and we're happy to start from wherever your binder currently ends.
Massachusetts has one of the deeper service systems in the country, which means the financial plan has more moving parts to coordinate with: agency services, waiver programs, and school transition planning that's often already underway.
Our lane is the money: keeping your child's countable assets clear of the SSI line, dividing labor between the Attainable account and a special needs trust, sizing the life insurance that funds the future, and protecting your own retirement while you do right by your child.
Massachusetts's ABLE program: Attainable Savings Plan
Massachusetts offers the Attainable Savings Plan, administered by MEFA and managed by Fidelity, a pairing that brings familiar fund options and solid administration. As always, program choice is open across state lines, so we compare before opening.
Written by Colin Meeks, CFP® · Registered to serve Massachusetts residents · Last updated August 6, 2026
The guides Massachusetts families use most
ABLE Accounts→
The $2,000 SSI resource limit puts families in a straitjacket: help your adult child save, and you can cost them their benefits. ABLE accounts exist to cut that knot.
Special Needs Trusts→
A trust is how grandparents leave an inheritance, how life insurance pays out, and how larger money supports your child for decades, all without touching benefit eligibility. It's also the document most families get drafted and then never actually fund.
Turning 18→
Nothing about your child changes on their 18th birthday. Everything about the rules does. Families who start at 16 or 17 walk through this calmly. Families who start at 18 spend a year untangling.
Common questions from Massachusetts families
That's the job. Attorneys draft, agencies administer services, and we make sure the financial machinery underneath (titling, beneficiaries, funding, insurance) matches what everyone else set up. Most failures happen between professionals; we stand in that gap.
The first call works the same from Massachusetts.
Fifteen minutes, complimentary, over video or phone. Tell us your situation and we'll tell you honestly whether we can help.
Prefer the phone? Call 410-663-0700 and ask for Colin.