Regular financial planning ends at education and marriage. Special needs planning? It’s lifelong.

Rajesh, father of 8-year-old Aarav (autism spectrum). His planning isn’t about college funds—it’s about building a financial fortress that protects Aarav for the next 60+ years.

𝗛𝗲𝗿𝗲’𝘀 𝘁𝗵𝗲 𝗟𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗖𝗮𝗿𝗲 𝗙𝘂𝗻𝗱 𝗕𝗹𝘂𝗲𝗽𝗿𝗶𝗻𝘁:

🎯 The 3-Tier Security System
→ Immediate needs fund: ₹15L (therapy, special education, medical)
→ Long-term care corpus: ₹2.5Cr target (generates ₹60K/month perpetually) → Guardian fund: ₹50L (compensates sibling/caregiver for lifetime responsibility)

📊 The Smart Structure
→ Special Needs Trust (protects assets, ensures proper use)
→ Succession guardianship legally documented
→ Life insurance: ₹1.5Cr term cover (NOT traditional plans)
→ Health insurance: ₹25L with lifelong renewability
→ Monthly SIPs: ₹40K across diversified equity + debt

🔥 The Critical Safeguards
→ Will with explicit special provisions
→ Nomination clarity across ALL investments
→ Letter of intent (Aarav’s routine, preferences, medical history)
→ Government schemes maximized (disability pension, tax benefits under Section 80DD/80U)

💡 The reality: Special needs children need 3X more financial planning than typical retirement.

Rajesh’s target? A self-sustaining fund that ensures Aarav’s dignity, care, and independence—forever.

This isn’t planning. This is unconditional love converted into financial security.
Are you prepared?

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