Parents of children with special needs face many challenges when preparing for the time when they will no longer be around to care for their special needs child. Whether this is due to the parents’ own disability or their death’s, the responsibility will fall on the child’s siblings, other family members and the community.
Financial Planning
Estate Planning
Estate planning is the process of disposing of an estate. Estate planning typically attempts to eliminate uncertainties over the administration of a probate and maximize the value of the estate by reducing taxes and other expenses.
Planned Giving
Planned Giving is an area of fundraising that refers to several specific gift types that can be funded with cash, equity, or property. These gift vehicles are commonly based on United States tax law, but Canada, the United Kingdom, and other nations are beginning to establish similar laws. In the United States, the specific rules of planned giving are defined by the United States Congress and the Internal Revenue Service.
Planned gifts are referred to as such because they require more planning, negotiation and counsel than an outright gift.
Retirement Planning
Retirement is the point where a person stops employment completely. A person may also semi-retire and keep some sort of retirement job, out of choice rather than necessity. This usually happens upon reaching a determined age, when physical conditions don’t allow the person to work any more (by illness or accident), or even for personal choice (usually in the presence of an adequate pension or personal savings).
Don't Bank Your Retirement on Your Business
Here are several links to videos that talk about planning for retirement.
Long Term Care
Financial Management
Retirement
Tax Strategies
Estate Planning
Interest Rates
| Program | Rate | APR |
|---|---|---|
| 30 YR | 4.5% | 4.615% |
| 15 YR | 3.875% | 3.89% |
| 10 YR | 3.75% | 3.815% |
| 5/1 ARM | 3.5% | 3.615% |
Why Choose Us?
- Lowest rates
- Approval decision in just minutes
- Close fast - and on your schedule
- You get our Mortgage consultants mobile phone numbers
- We're home to the #1 Originator in Michigan and the top #10 in the US.
- 95% of our clients recommend us to friends and family.
- Get a second opinion. We have in-house certified financial planners available now.


