Planning that protects a loved one for life.
For families caring for a loved one with special needs, we coordinate trusts, benefit eligibility, and lifetime care, with the tax and financial details handled carefully.
Why this matters.
Special needs planning asks a hard question: what happens when you are no longer here to help? The answer requires care, because a well-meaning gift can accidentally disqualify a loved one from essential benefits.
We coordinate the financial pieces, special needs trusts, benefit eligibility, and long-term funding, with your attorney and family, so your loved one is protected and supported for the long run.
The trust documents themselves are drafted by a licensed special needs attorney. Our work is the financial coordination around them — how the trust is funded, how gifts and inheritances are directed, and how resources are structured so essential benefits are not accidentally put at risk.
The problem this addresses.
Independent, third-party statistics that describe the environment our clients plan within. They are not a representation of Gasima Financial’s clients or results.
SSI countable-asset limit for an individual — a threshold unchanged since 1989, which a well-meaning gift can unintentionally breach.
Source: Social Security Administration
Amount an ABLE account can hold without counting toward the SSI asset limit — one tool for setting funds aside safely.
Source: SSA / ABLE program rules
Disability-onset age threshold for ABLE eligibility as of January 1, 2026, raised from age 26 — newly opening this planning tool to many families who were previously excluded.
Source: ABLE National Resource Center
Everything this covers.
Coordinated with the rest of your plan, never in a silo.
Special needs trusts
Coordinating funding and structure with your attorney.
Benefit eligibility
Planning that protects access to essential public benefits.
Lifetime care funding
Building resources to support care for the long term.
Family coordination
Aligning the plan across caregivers and documents.
Good to know.
Still wondering about something? Send us a noteand we’ll answer plainly.
A direct gift or inheritance can push countable assets over the SSI limit and interrupt essential benefits. A properly structured special needs trust or ABLE account is designed to provide support without that consequence.
The trust is drafted by a licensed special needs attorney. We coordinate the financial side — funding, titling, and directing gifts — so the structure works as intended.
An ABLE account lets an eligible person with a disability save funds that generally do not count toward the SSI asset limit up to program caps. Whether it fits, and how it works with a trust, depends on your situation.
Works better together.
Gasima Financial does not provide legal advice or draft trusts; special needs trusts and related documents are prepared by a licensed attorney. Benefit rules (SSI, Medicaid, ABLE) are complex, change over time, and depend on individual circumstances — confirm eligibility details with the relevant agency or a qualified professional. This information is educational and is not legal, tax, or benefits advice.
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