Creating Opportunities For Teens & Adults With Special Needs & Disabilities

Sinopse

The special needs adult population has limited options. Many families struggle after leaving the school system due to loosing supports. Further down the line, housing becomes a concern as aging parents care for aging adult children. Your host, Kim Albrecht, has a teenage daughter with severe autism. She is happy, mild-mannered, non-verbal, in diapers, loves to swim, and will require 24/7 care the rest of her life. The LOMAH podcast and community is a place to gather information to make smart choices for our children as they transition into adulthood. We will also digest doses of inspiration and encouragement moving forward in faith, hope, (and touches of humor) rather than fear.

Episódios

  • #113 - Financial Planning Series Recap

    #113 - Financial Planning Series Recap

    05/05/2020 Duração: 24min

    The special needs financial planning series included 12 interviews from special needs financial planners and special needs lawyers. This episode offers soundbites from each interview in the series to help you choose which episodes may be of interest. Episodes in the financial planning series were: 101 - Learning the Lingo 102  - Special Needs Trusts 103 - Choosing and Training the Trustee 104 - Memorandum of Intent  105 - ABLE Accounts 106 - Government Benefits 107 - Finding Resources 108 - Taxes 109 - Multigenerational Planning 110 - Insurance as a Financial Planning Tool 111 - Assets to Consider 112  - Avoiding Common Mishaps

  • #112 - Avoiding Financial Planning Mishaps

    #112 - Avoiding Financial Planning Mishaps

    28/04/2020 Duração: 43min

    In this episode we cover common mistakes in special needs financial planning and the big question we need to be asking ourselves before making any financial planning move. We go over the difference between a financial planner and financial advisor, discuss what questions to ask when selecting a team, flexible financial planning strategies, and a quick hit list of ideas. About the Guest Andrew Komarow is a Certified Financial Planner™ (CFP™) and founder of Planning Across the Spectrum. Andrew specializes in helping any self-advocating client or family, with or without autism and intellectual disabilities, achieve financial security. He provides expert guidance for life decisions that are either unknown, not easily accessible, or can be complicated to pilot for someone with special needs. Andrew provides a unique perspective for those with special needs, their caregivers, and their families because he has “walked in their shoes,” having received his autism diagnosis late in life.  Andrew is a passionate advocat

  • #111 - Assets to Consider in Special Needs Financial Planning

    #111 - Assets to Consider in Special Needs Financial Planning

    21/04/2020 Duração: 46min

    Our guest shares assets to consider when financial planning for a loved one with disabilities. We learn what assets work best in short planning versus long term planning, how to ask for “free money” from our employer, taxation of investments, and some new rulings that could have significant impacts on Special Needs Trusts drafted prior to December of 2019. Disclosure: This general communication is provided for information purposes only.  It is educational in nature and not designed to be a recommendation for any specific product, strategy, plan feature or other purposes. About the Guest: Darryl Ng is a First Vice President, Portfolio Management Director and Financial Advisor of the Mountain View Group at Morgan Stanley. As a Senior Member at the Mountain View Group, Darryl heads the advanced planning activities for the team. He specializes in the creation and implementation of financial plans, portfolio management, philanthropy, insurance and estate planning for his clients throughout the United States and ov

  • #110 - Insurance as a Special Needs Financial Planning Tool

    #110 - Insurance as a Special Needs Financial Planning Tool

    14/04/2020 Duração: 43min

    Services and supports for adults with disabilities can be expensive so it makes sense to get creative. Using insurance policies as a financial planning tool is an example of the creative use of resources. Our guest gives us the lowdown on the various types of insurance available and how they can be leveraged to maximize assets, especially when a family member has special needs. About the Guest: Anthony Trias, CFP, RICP As a CERTIFIED FINANCIAL PLANNER™ professional, Anthony Trias uses his passion for helping others along with financial expertise to provide a personalized approach toward life planning. He has over 10 years in the industry, engaging clients in all levels of financial knowledge, empowering them to make smart, educated decisions. Anthony focuses on retirement planning, investment management, tax and insurance strategies for mid-to-high net worth families and business owners. He is a San Francisco Bay Area native, residing in Marin County. In his free time, he enjoys local adventures with his wife

  • #109 - Multigenerational Financial Planning

    #109 - Multigenerational Financial Planning

    07/04/2020 Duração: 44min

    Assets often are passed from one generation to the next so coordination of financial planning is necessary, especially when a family member with disabilities is in the mix. This episode teaches us how to sync plans across multiple generations to maximize assets as well as what to focus on for each generation.   About the Guest: Mark Gilfix is an attorney at Gilfix and La  Poll associates, an award winning writer, and an up and coming leader in the field of Estate Planning, Elder Law, and Special Needs Planning.    Related Episodes: This episode is the 9th in a series focusing on Special Needs Financial Planning. The series includes episodes 101 - 113.   Find Kim on Instagram as @Journey2lomah

  • #108 - Finding Financial Resources

    #108 - Finding Financial Resources

    31/03/2020 Duração: 46min

    The estimated lifelong cost of living with a disability is $3 - $4 million dollars. This episode uncovers 35 financial and caregiver support considerations. Show notes, including the list of 35 considerations can be found at https://www.lomah.org/podcastseason4/108 About the Guest: Penny is a certified financial planner specializing in helping families with special needs children prepare and plan for the future. Penny’s middle son, born with muscular dystrophy, has been instrumental in illuminating what’s important to her: faith, time with family and friends, good medical care, living a life of one’s choosing, hope, and the ability to fund current and future needs while enjoying life today. Special Needs Planning, involving life planning, resource planning, legal planning and traditional and creative financial planning (such as blending and leveraging of funding sources and effective advocacy) is a specialty practice area for Penny.

  • #107 - Government Benefits

    #107 - Government Benefits

    24/03/2020 Duração: 44min

    SSI and SSDI are widely used government benefits. Our guest has 35+ years with the Social Security Administration and shares tips and tricks of the application process and what to do should the application be denied. About the Guest: Marlene Ulisky is a Disability Benefits Expert with the ABLE National Resource Center and a Manager of Financial Empowerment and Disability Benefits at the National Disability Institute.  She retired from the Social Security Administration after a 35+ year career.  She was one of 58 Area Work Incentives Coordinators from across the country who developed expertise in SSA employment support programs. After her retirement from SSA she was certified as a Community Partner Work Incentives Counselor through Virginia Commonwealth University, worked for the Florida Office of Vocational Rehabilitation as a Consultant to establish the Partnership Plus Program under the Ticket to Work legislation and was later contracted by SSA to assist them with managing critical integrity workloads. She

  • #106 - Disability Tax Deductions  Taxation of Trusts, ABLE Accounts, SSI and SSDI Payments

    #106 - Disability Tax Deductions & Taxation of Trusts, ABLE Accounts, SSI and SSDI Payments

    17/03/2020 Duração: 55min

    With proper documentation, many expenses qualify as medical deductions. Likewise, Special Needs Trusts and ABLE accounts have unique taxation rules. This episode is two in one with the first half covering how to get documentation necessary to cover medical deductions not commonly considered. The second half of the show discusses the taxation of Special Needs Trusts and ABLE accounts as well as the taxation of SSI and SSDI payments. Show Notes with links to mentioned content at https://www.lomah.org/podcastseason4/105 About the Guest: Michael C. Walther II CPA/PFS, CFP®, CFA® Mike is the founder of  Oak Wealth Advisors with a personal mission to “to assist families in their efforts to provide loved ones with special needs with the financial resources and  other supports necessary to live their lives to their fullest potential.” He is a frequent presenter at national conferences for professional  organizations and non profit as well as a lecturer for universities. Mike is involved in many charities and can be f

  • #105 - ABLE Accounts

    #105 - ABLE Accounts

    10/03/2020 Duração: 48min

    ABLE accounts are fairly new on the scene and are unique in their tax benefits, ease of set up, and the financial freedom they offer individuals with disabilities. Our guest addresses ABLE account myths, informs us what homework needs to be done prior to opening an ABLE account, how ABLE accounts can and can not be used, and how they offer freedom unlike any other financial planning tool. About the Guest: Miranda Kennedy is the Director of the ABLE National Resource Center. Miranda’s expertise is in the areas of outreach and education, researching and analyzing policy issues, developing and executing training and implementing promising practices in the areas of youth in transition, workforce development, cross-system service coordination and asset development. From 2006 to 2018 Miranda served as the Director of Training and Senior Technical Advisor for the Disability Employment Initiative and Disability Program Navigator Initiative, contracted by the U.S. Department of Labor, increasing the capacity of the pu

  • #104 - Memorandum of Intent and Other Considerations

    #104 - Memorandum of Intent and Other Considerations

    03/03/2020 Duração: 44min

    Drafting a Special Needs Trust is only the foundation of sound planning. On that foundation are additional documents and steps to take. In this episode we discuss two. First, the memorandum of intent which gives direction on wishes and day to day care.  This episode covers what to put in the memo of intent, ensuring it is easy to find, being bold yet discreet in wishes that others may not like, and why you should not store it in your safe at home. The second consideration discussed is the importance of funding the trust via retitling to avoid probate. Show notes for this episode are at https://www.lomah.org/podcastseason4/104 Find Kim on instagram as journey2lomah About the Guest Michele P. (Fuller) Urbatsch is the founder of Michigan Law Center, P.L.L.C, and President of Advocacy, Inc., a non-profit organization. Her law practice focuses on advocacy, protection, and asset preservation for persons with disabilities, including working in the following areas of law: elder law, special needs planning, special ne

  • #103 - Choosing  Training the Trustee of a Special Needs Trust

    #103 - Choosing & Training the Trustee of a Special Needs Trust

    25/02/2020 Duração: 44min

    The Trustee of a Special Needs Trust has an incredible amount power over the distribution of funds for the individual with disabilities. Not only must they act in the best interests of the beneficiary with special needs but the trustee’s job must be done flawlessly because mistakes could result in the loss of benefits for the person with disabilities. In this episode we learn how to choose and train the appointed trustee. The show covers 4 qualities a trustee must have, why we should rethink the role of siblings, potential models that can be utilized, and a reason why a special needs trust may not be the best option for some adults with disabilities. About the Guest: Stephen W. Dale received his JD from Armstrong Law School and his LL.M. in Taxation from Golden Gate University in 2001. The Dale Law Firm was established in 1992 in order to provide quality estate planning to clients by working cooperatively with the clients’ tax, financial and insurance professionals. Mr. Dale is disability rights advocate whos

  • #102 - Special Needs Trusts

    #102 - Special Needs Trusts

    18/02/2020 Duração: 47min

    Special needs trusts are one of the first things mentioned when beginning to plan financially for a family member with special needs. In this episode we learn why special needs trusts are such powerful tools and the difference between 1st, 3rd, and pooled trusts. We also learn a management strategy that works well for most families, what to look for when choosing a pooled trust, as well as suggested next steps after the completion of creating the trust. About the Guest: Kevin Urbatsch is a principal of the special needs and settlement planning law firm, The Urbatsch Law Firm P.C. located in Pleasant Hill, California. Kevin also serves as National Director of the Academy of Special Needs Planners (ASNP), a national organization of special needs and settlement planning professionals. Kevin is a Certified Specialist in Estate Planning, Trust, and Probate Law by the California State Bar Board of Legal Specialization. Kevin is also a fellow of the American College of Trust and Estate Counsel (ACTEC). In 2013, Pare

  • #101 - Special Needs Financial Planning: Learning the Lingo

    #101 - Special Needs Financial Planning: Learning the Lingo

    11/02/2020 Duração: 52min

    Special needs financial planning is one of the most important and impactful things we can do in preparing and controlling the future. There are many terms and a lot of intimidating lingo. In this episode we have some fun with the terms and learning them so as to set the foundation for what is to come in the next 12 episodes of the financial planning series. About the Guest: Mark Gilfix is an attorney at Gilfix & LaPoll in Palo Alto, California. He is an award winning writer, and an up and coming leader in the fields of Estate Planning, Elder Law, and Special Needs Planning. He is an increasingly sought-after speaker in the field. He has appeared on television on KTVU Fox 2 and NBC Bay Area and has given multiple client and community seminars in the area of multi-generational and special needs estate planning, he has spoken about planning for younger families with the National Association of Elder Law Attorneys, and he has presented about these topics at the Morgan Center Annual Conference. He has lead mul

  • #100 - How and Why We Have Changed

    #100 - How and Why We Have Changed

    04/02/2020 Duração: 01h14min

    Kim’s husband, Tom, joins the show for episode 100! The duo discuss respecting the privacy of their family while still on such a public space, the marital roles they have found themselves, and Tom connecting with other dads. The last half of the show is podcast discussion such as some embarrassing things that have happened with the guests, how things are so much different than they were 100 episodes ago in regards to steps they are taking toward planning the future for their daughter with type 3 autism and which episodes brought  changes.  They reveal of the 5 most downloaded shows and the surprising general thread. Hint…3 of the 5 came from the same series. Can you guess which? The episode will concede with a bonus section of guest updates that is super encouraging and fun to hear.  Find Kim on Instagram as journey2lomah Find LOMAH on Facebook as LOMAH

  • #99 - Advocating FAPE for Our Teen Daughter

    #99 - Advocating FAPE for Our Teen Daughter

    27/01/2020 Duração: 24min

    We are pausing the normal flow of expert guest interviews to share a bit a personal story about our daughter’s educational journey and current status of establishing FAPE. I’m sharing how we arrived at the realization we needed to make changes and how we might be making the job hard for our lawyer.

  • #98 - IEP Transition Planning Series Recap  A Few Announcements

    #98 - IEP Transition Planning Series Recap & A Few Announcements

    03/12/2019 Duração: 33min

    The Transition Plan goes into the IEP at the age of 14 or 16. At this time, all IEP goals should point directly to these long term post secondary goals.  Despite the tremendous importance of the Transition Plan, it is often overlooked or approached as a last minute legally required add on. After a few announcements regarding what is next for the LOMAH Podcast, this episode gives an overview of the 13 episode Transition Planning series. Guests in the series educated us on aspects of the transition plan and tips for how to get our school district on board in creating better post secondary goals as well as providing necessary supports to reach those goals. You will hear an overview of each episode as well as a 60 second clip so you can circle back to those of interest and need. Episodes in the series are listed below. Click to be directed to valuable resources in the show notes for each episode. #86 - Transition Planning Series Introduction #87 - IEP Transition Planning: Is It Working? With guest Dr. Mary Susan

  • #97 - Parent Roles in IEP Transition Planning

    #97 - Parent Roles in IEP Transition Planning

    26/11/2019 Duração: 40min

    Parents often take a significant role in planning the future for their child with disabilities. It is not feasible to take on every role and task so how can parents identify and prioritize their roles in transition planning? What are the most important aspects in which to devote energy and attention? About the Guest Dawn A. Rowe, PhD, is an Associate Professor in the department of Educational Foundations and Special Education at East Tennessee State University. Her research and scholarship are focused on three main areas of research: evidence-based practices and predictors of postschool success for students with disabilities, life skills interventions (e.g., goal setting, self-management, communication skills), and professional development (e.g., families, in-service and pre-service educators). She has over 20 years’ experience working in the adult service system and as a teacher and transition specialist for youth with disabilities in the public-school system. Dr. Rowe serves as the academic editor for the C

  • #96 - Interagency Collaboration in IEP Transition Planning

    #96 - Interagency Collaboration in IEP Transition Planning

    19/11/2019 Duração: 36min

    School services end when adult services begin, but there is opportunity for overlap during the teen years to increase chances of a smooth transition via interagency collaboration. How can this opportunity be maximized? About the Guest: Kelli Crane, Ph.D. is an Assistant Research Professor at the Center for Transition and Career Innovation, University of Maryland, College Park. She bring extensive experience serving in significant leadership roles on research and model demonstration projects funded by the U.S. Department of Education’s Office of Special Education and Rehabilitative Services, the Social Security Administration and the National Institute on Disability, Independent Living, and Rehabilitation Research. Dr. Crane’s research interests include examining programs and practices to improve post-school outcomes for transition age youth with disabilities. Currently, she is co-principal investigator for Maryland PROMISE and co-director on Way2Work Maryland. Both projects, funded by the U.S. Department of E

  • #95-School Services to Adult Services

    #95-School Services to Adult Services

    12/11/2019 Duração: 40min

    When students age out of school services and transition to adult services gaps often emerge. Many of these gaps have simple solutions. What are the gaps and how do we bridge them?   About the Guest: Sonni Charness is the founder of Guidelight Group. She and her team specialize in helping California teens and adults with developmental disabilities and their families plan for and live their their best lives. Sonni has over ten years of professional experience supporting teens and adults with disabilities in their communities, and a Master’s degree in Special Education with an emphasis in transition and employment outcomes for youth with moderate to severe disabilities. Her work on transition-to-adulthood and employment has been published in the Journal of Vocational Rehabilitation and in Research and Practice for Persons with Severe Disabilities. (Sonni also serves on the Board of Directors for the California chapter of APSE, a national organization whose mission is to promote access for all people with disabil

  • #94 - Disability Employment: Is It Really Possible for All?

    #94 - Disability Employment: Is It Really Possible for All?

    05/11/2019 Duração: 42min

    For individuals with differing abilities to have paid employment in community settings, there needs to be a culture that believes they are capable. What hurdles must be overcome to shift perspective? Our guest discusses 4 key hurdles keeping parents and IEP teams from believing in the possibility of paid employment in a community setting. We acknowledge these hurdles and learn how to clear them. We also learn what to put in the employment section of the transition plan in the IEP to help students move towards paid employment in a community setting. About the Guest Sean Roy is a Research Associate with TransCen Inc.  In this position he works to provide training and technical assistance to states, employment professionals and schools, leading to improved success for individuals with disabilities who are transitioning from school into the workforce and life in the community.  Roy is an experienced curriculum developer, writer, trainer and presenter, often being asked to speak to professionals and families about

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