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Michele

I've put off financial planning for Caitlyn because I come from a

dysfunctional planning. But my great-uncle was an attorney (retired)

in NY state and had a son whom he had to plan a spec needs trust for.

He gave me some important insights.

Instead of having one executor of the trust, you should have 2 people.

This way, they can keep each other in check. Not to say that you

wouldn't trust them, but you don't want an executor who will hold the

monies so tight that your child dies a wealthy woman who never had

access to any funds, and you don't want an executor who is so lenient

with giving funds that the trust runs out when your child is age 30.

A suggestion my uncle had was to pick one person from your side of the

family and one side of your husband's side of the family so that both

your interests will be represented (I know my husband's side of the

family tends to spend too much money, my family saves as much as they

can).

Also, make sure that the executors are young and in generally good

health. The executors should not be over age 50 at the time your

child is age 20, or in 20 years, your child is only 40 and the

executors may need someone to help them manage their own financies as

well as Aubrie's.

One more thing, the executor's should be 2 entirely different people

from whom you choose to take care of Aubree in the event of you and

your husband's death. Some people think that this should be the same

person, but it doesn't have to be and it would be beneficial if it was

not.

Making these arrangements will be expensive. You'll probably spend

about $500-$1000 for the attorney. To find an attorney experienced in

special needs trusts, call your local The Arc chapter. They usually

have attorneys they can recommend who will do the services for a

reduced price.

I hope this helps.

Jeanne

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