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Special Needs Planning

Protect The People Who Matter Most

Financial planning takes on new meaning when it involves the future of a loved one with special needs. At BrightPoint Financial, we help families create coordinated strategies that tackle financial, legal, and emotional needs, bringing clarity, protection, and confidence at every stage of life.

Planning With Strategy & Heart

Planning With Strategy & Heart

As a Chartered Special Needs Consultant (ChSNC®), Justin Elder understands firsthand the challenges families need to navigate when caring for a loved one with disabilities. We’ll work with you to build a plan that balances your family’s immediate needs with long-term goals.

  • Create a sustainable financial plan that prioritizes your child’s lifelong care
  • Coordinate with your legal and tax professionals to preserve eligibility for benefits
  • Explore trust and estate strategies designed to provide ongoing security
Support That Shifts With Your Evolving Needs

Support That Shifts With Your Evolving Needs

Your family’s journey will evolve, and your financial plan should too. From early childhood through adulthood, we’ll guide you through every transition. From education planning to guardianship, trust funding and beyond, we're here to help ensure your loved one is secure and supported.

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What’s Included In A Special Needs Plan?

Benefit Coordination

Align your financial goals with government programs like SSI and Medicaid.

Trust & Estate Guidance

Work with your attorney to establish a Special Needs Trust and protect your loved one’s future.

Family Planning & Education

Understand your options and build financial literacy for caregivers and siblings.

Ongoing Review & Advocacy

Stay supported through life’s transitions with ongoing check-ins and collaborative planning.

We Love Where We Live

We Love Where We Live

We believe in serving alongside our neighbors, not just advising them. Through Moose & Me Baking Company, a nonprofit co-founded by our family, we help provide meaningful employment for adults with disabilities and a gathering place for families in our community.

Your Questions, Answered

Curious about our firm? Here are a few common questions we hear from potential clients.

  • What types of clients do you typically serve?

    We work with individuals and families at any stage of life. However, we specialize in helping professionals navigate their options, retirees live with confidence, and families support loved ones who have special needs. Many of our clients have roots in Illinois, but we also serve households nationwide.

  • Do you only work with families who have special needs?

    No. While we have unique experience in special needs planning, we also serve a wide range of clients.

  • What services do you provide?

    Our services include financial planning, tax planning, insurance planning, investment management, special needs planning, wealth management, retirement planning, and estate and legacy planning.

  • How do you charge for your services?

    We are a fee-based advisory firm. Most clients pay an advisory fee based on assets under management. We believe this aligns our success with yours and provides ongoing support as your needs evolve.

  • What makes BrightPoint different from larger firms?

    We’re small on purpose, offering warmth, accessibility, and personal attention you won’t find at big firms. Clients often say working with us feels like working with family.

Navigating Every Stage

A personalized, high-touch approach, so you can be confident living life while safeguarding loved ones.


Our Services

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Supporting Your Path

Working with individuals and families in Illinois and across the US to help them live fully in every life stage.


Who We Serve

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Our team is here to welcome you like family. Reach out today to see how we can help you reach your goals.


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