Today we're talking all about special needs financial planning with Tanner Withers, founder of Albility Planning. Tanner is a special needs financial planner who helps families across the country plan for their disabled loved ones, and he's also an adoptive dad to a daughter with a rare genetic syndrome. We talk about the two things every special needs family hears about, ABLE accounts and special needs trusts, and why you need to understand how they actually work before you use them. Tanner breaks down the Disabled Adult Child (DAC) benefit, the child in care spousal benefit, and the cliff at age 22 that can cost a family their Social Security benefits for good. We also dig into how ABLE accounts work, how much money you can put in them, the Medicaid clawback rule, and how a debit card option can help give your adult child more independence with money. If you're a caregiver of an adult with disabilities, or a special needs parent trying to figure out guardianship, Medicaid waivers, Social Security disability, or how to build a financial plan for your family's future, this episode is packed with helpful tips and real world advice. Tanner Withers Albility Planning: https://www.albilityplanning.com/ use PROMO code ALBILITY250 for 250 off the Foundational Roadmap His FB group: https://www.facebook.com/share/g/1EuY7egfBP/ Instagram: https://www.instagram.com/albilityplanning/