Special Needs Planning encompasses your and your child's lifetime. It involves combining conventional financial planning with special need elements that covers your and your child's lifespan. Please see for more information.

Financial planning helps to mitigate future risks by creating and following a plan that will enable you to fulfill your goals and aspirations. It reduces the stresses that accompany the what ifs and allows you to enjoy life knowing your family is cared for.

Financial planning is not a one-day task. You may follow these following steps to start with:

Step 1: Take an inventory of your finances

Step 2: Set your financial goals

Step 3: Make a financial plan

Step 4: Follow the Plan properly

Step 5: Revise the plan from time to time

A Special Needs Trust is a trust that is set up and funded for the lifetime benefit of a special needs person. The Special Needs Trust is funded by either the disabled beneficiary's assets or another person's assets.

There is no specific time to start planning, but the sooner the better.

A financial planner is a professional who helps families create a strategy to meet long-term financial goals. A financial planner specializes in different areas of planning like tax planning, asset allocation, risk management, retirement planning, or estate planning.

A fiduciary is an individual or organization legally bound to work in the client's best interest.

We at IRIS believe in low cost, simple and diversified investments that match the individual's risk/reward preferences.