TAX PLANNING

Special Needs Planning

Families raising a child or dependent with special needs often carry planning responsibilities that extend well beyond a conventional household tax strategy. Eligibility for government benefits, long-term care costs, family governance, and multigenerational continuity all matter. The planning standard must therefore be higher: clearer documentation, better coordination across professionals, and fewer unforced errors.

A.Y.Bassam & Co. LLP's approach is built around the family's real operating reality. We help households evaluate tax strategy, beneficiary structures, insurance, and long-term planning priorities in a way that supports continuity rather than confusion. Where trust drafting, guardianship decisions, or other legal work is needed, we coordinate with qualified outside counsel.

This is not a specialty we added to a general practice. It is the reason this firm exists.

What This Typically Includes

Benefit-sensitive tax planning calibrated to SSI, Medi-Cal, IHSS, and ABLE account rules
Beneficiary review and ownership structure analysis
Special Needs Trust coordination with independent estate counsel
Insurance review for estate liquidity and long-term care funding
Coordination memo for counsel, case managers, and other advisors