Planning for Their Future

Reggie Peral
  • 5.0 (12)
  • Education
  • Series

You know your child better than anyone. The question is who else will, when you're not here. Planning for Their Future is a podcast for families raising or supporting someone with special needs. Most of these families have done some of the planning: a will, life insurance, maybe a special needs trust. Few have a plan that holds together once they're not the ones running it. This show is about building that plan. Host Reggie Peral, founder of ClearView Family Wealth, works through it one piece at a time using the Six P's of Lifetime Care Planning: Picture, Price, Protect, People, Preserve, and Practice. That means the money, and also the people, the knowledge, and the systems your loved one will depend on. Episodes cover SSI and Medicaid, special needs trusts, ABLE accounts, guardianship and turning 18, siblings, and what happens after both parents are gone. Free Lifetime Care Plan workbook: clearviewfw.com/free-workbook For educational purposes only. Not legal, tax, or investment advice.

  1. Sep 30

    Who Knows My Child? The Six P's of Lifetime Care Planning

    Episode 1: Who Knows My Child? You know what your child eats, what calms them down, which doctor they trust, and how they tell you something hurts. Right now, most of that lives in one place: you. In this first episode, Reggie introduces the question this show is built around, and the framework he uses to answer it. Most families have done some of the planning. A will, life insurance, maybe a special needs trust. Very few have a system that keeps working when the people who built it can't run it anymore. In this episode: → The Six P's of Lifetime Care Planning: Picture, Price, Protect, People, Preserve, and Practice → Why having documents isn't the same as having a plan → The Johnsons, a family who looks prepared on paper but is missing something that matters → The "second death," and why it's the real test of whether a plan works Free Lifetime Care Plan workbook Build your family's plan as you listen, one step at a time. https://www.clearviewfw.com/free-workbook Talk with Reggie Book a 30-minute call: https://calendly.com/reggie-clearviewfw/30min This podcast is for educational purposes only and is not legal, tax, or investment advice. The Johnson family is a composite created for illustration.

  2. Sep 30

    The Life Before the Money: Defining What You're Planning For

    Most families start planning by asking how much they need to save. It's a fair question, and it's the wrong place to start. If nobody knows what the money is for, everyone is guessing. In this episode, Reggie walks through Picture, the first of the Six P's: defining the life you're actually planning for before any conversation about trusts or investments. In this episode: → Why two families with the same amount saved can end up in completely different places → Where your loved one will live, and why today's living situation isn't the plan → What a good day looks like, the relationships worth protecting, and what gives them purpose → What the Johnsons learned about Mia once someone asked the right questions Free Lifetime Care Plan workbook The Picture worksheets walk you through all of this, step by step. https://www.clearviewfw.com/free-workbook Talk with Reggie Book a 30-minute call: https://calendly.com/reggie-clearviewfw/30min This podcast is for educational purposes only and is not legal, tax, or investment advice. The Johnson family is a composite created for illustration.

  3. Sep 30

    What This Actually Costs: Putting an Honest Number on a Lifetime of Care

    Nobody can give you an exact figure for a life that may run fifty or sixty more years. But you can understand the real size of the commitment, and the gap between what it will cost and what's already going to cover part of it. In this episode, Reggie walks through Price, the second of the Six P's: turning the picture of your loved one's life into an honest cost range. In this episode: → Why chasing a precise number is a mistake, and why a range tells you more → The cost categories every family should plan for, including the ones most families forget → How to handle what you can't know yet → What surprised the Johnsons most when they added it all up Free Lifetime Care Plan workbook Includes a future cost worksheet, a resources inventory, and a rough funding gap calculation. https://www.clearviewfw.com/free-workbook Talk with Reggie Book a 30-minute call: https://calendly.com/reggie-clearviewfw/30min This podcast is for educational purposes only and is not legal, tax, or investment advice. The Johnson family is a composite created for illustration.

  4. Sep 30

    Where Good Intentions Go Wrong: Trusts, Benefits, and Beneficiary Forms

    Having money set aside for your loved one isn't the same as having it set up correctly. A gift from a grandparent, an inheritance, or a life insurance payout meant to help can end up costing them the benefits they depend on. In this episode, Reggie walks through Protect, the third of the Six P's: making sure every dollar meant for your loved one has a safe path to reach them. In this episode: → How SSI's $2,000 resource limit works, and why it matters so much → Third-party versus first-party special needs trusts → ABLE accounts and what to watch for with retirement accounts → The one line on a form that could have undone years of the Johnsons' planning Free: The Lifetime Care Plan Workbook The beneficiary audit on page 27 takes about 20 minutes and catches the mistake the Johnsons almost made. The plan most families never get around to writing down, broken into steps you can finish one evening at a time. 55 fillable pages built on the Six P's. Type right into it or print it. By the end, you'll have a written picture of your loved one's future, a cost range, a checked set of beneficiary forms, named backups for every role, and a letter of intent someone else could actually use. Download it free: https://www.clearviewfw.com/free-workbook Talk with Reggie Book a 30-minute call: https://calendly.com/reggie-clearviewfw/30min This podcast is for educational purposes only and is not legal, tax, or investment advice. Benefit rules and figures change, and some vary by state. Consult a qualified special needs attorney about your situation. The Johnson family is a composite created for illustration.

  5. Sep 30

    Who Actually Shows Up: Naming the People in Your Plan

    A perfectly drafted trust can't answer the question that matters most: who actually shows up? Not a name on a form. A person who has said yes and understands what they're agreeing to. In this episode, Reggie walks through People, the fourth of the Six P's: naming who handles each part of the job, with a backup for every role. In this episode: → The roles every plan needs, and why they don't all belong to the same person → What changes when your child turns 18 → Siblings, professional trustees, and when a mix of family and professional help works best → How to have the conversation that turns a name on a form into a real yes Free: The Lifetime Care Plan Workbook The roles worksheet makes sure every job in your plan has a name, a backup, and a real yes. The plan most families never get around to writing down, broken into steps you can finish one evening at a time. 55 fillable pages built on the Six P's. Type right into it or print it. By the end, you'll have a written picture of your loved one's future, a cost range, a checked set of beneficiary forms, named backups for every role, and a letter of intent someone else could actually use. Download it free: https://www.clearviewfw.com/free-workbook Talk with Reggie Book a 30-minute call: https://calendly.com/reggie-clearviewfw/30min This podcast is for educational purposes only and is not legal, tax, or investment advice. The Johnson family is a composite created for illustration.

  6. Sep 30

    What Only Lives in Your Head: Writing a Letter of Intent

    A trust can tell someone how to manage money. It can't tell them what makes your child feel safe, what a hard day looks like, or how they show that something's wrong. Right now, that knowledge probably lives in one place: you. In this episode, Reggie walks through Preserve, the fifth of the Six P's: capturing what you know about your loved one in a letter of intent. In this episode: → What a letter of intent is, and what it isn't → The six areas worth writing down first, from daily routines to communication → How to start without it becoming overwhelming → What Sarah Johnson realized she had never said out loud, even to her husband Free: The Lifetime Care Plan Workbook The letter of intent pages walk you through writing down what only you know, one page at a time. The plan most families never get around to writing down, broken into steps you can finish one evening at a time. 55 fillable pages built on the Six P's. Type right into it or print it. By the end, you'll have a written picture of your loved one's future, a cost range, a checked set of beneficiary forms, named backups for every role, and a letter of intent someone else could actually use. Download it free: https://www.clearviewfw.com/free-workbook Talk with Reggie Book a 30-minute call: https://calendly.com/reggie-clearviewfw/30min This podcast is for educational purposes only and is not legal, tax, or investment advice. The Johnson family is a composite created for illustration.

  7. Sep 30

    The Plan That Keeps Working: Why Every Plan Needs a Review Rhythm

    Every lifetime care plan starts going out of date the moment it's finished. Your loved one grows. You get older. Siblings grow up, caregivers move, and benefit rules change. None of that means the plan failed. It means the plan needs a way to keep up. In this episode, Reggie walks through Practice, the last of the Six P's: building a review rhythm that keeps the other five pieces current, and why the real test of a plan is whether it still works after both parents are gone. In this episode: → Why families skip reviews, even when they care deeply about the plan → Scheduled reviews versus reviews triggered by a change in your family → The milestone birthdays that deserve their own review → The "second death," and how all six pieces work together to meet it Free: The Lifetime Care Plan Workbook The Practice pages give you a yearly review checklist, a list of life events that should trigger a review, and a log that shows your plan is current. The plan most families never get around to writing down, broken into steps you can finish one evening at a time. 55 fillable pages built on the Six P's. Type right into it or print it. By the end, you'll have a written picture of your loved one's future, a cost range, a checked set of beneficiary forms, named backups for every role, and a letter of intent someone else could actually use. Download it free: https://www.clearviewfw.com/free-workbook Talk with Reggie Book a 30-minute call: https://calendly.com/reggie-clearviewfw/30min This podcast is for educational purposes only and is not legal, tax, or investment advice. The Johnson family is a composite created for illustration.

  8. Sep 30

    SSI and Medicaid, Explained Like a Parent Would Want

    SSI and Medicaid shape almost every decision in a special needs plan, yet most families only understand them in pieces. You've heard about the $2,000 limit. You've heard not to leave money to your child directly. Nobody has explained how it all actually works. In this episode, Reggie walks through both programs in plain English, with 2026 figures: what counts toward the limit, how work and living at home affect the SSI check, a 2024 rule change many families haven't heard about, and why Medicaid often matters more than the check itself. Plus, a Massachusetts program many higher-income families don't know their child may qualify for. In this episode: → The difference between SSI and Medicaid, and why Medicaid is often the bigger deal → What counts toward the $2,000 resource limit, what doesn't, and the back-pay window → How a part-time job affects SSI, with a worked example → Living at home after 18: the shelter rule, and the fair-share rental agreement → The September 2024 change: food no longer reduces SSI → MassHealth CommonHealth: coverage for children and adults with disabilities, with no income or asset limit → Medicaid waivers, waiting lists, and keeping Medicaid while working Free: The Lifetime Care Plan Workbook The benefit rules page explains SSI and Medicaid in plain English, and the benefits tracker keeps every renewal date in one place. The plan most families never get around to writing down, broken into steps you can finish one evening at a time. 55 fillable pages built on the Six P's. Type right into it or print it. By the end, you'll have a written picture of your loved one's future, a cost range, a checked set of beneficiary forms, named backups for every role, and a letter of intent someone else could actually use. Download it free: https://www.clearviewfw.com/free-workbook Talk with Reggie Book a 30-minute call: https://calendly.com/reggie-clearviewfw/30min This podcast is for educational purposes only and is not legal, tax, or investment advice. Benefit rules and figures change, often every January, and some rules vary by state. Confirm current figures at ssa.gov and with your state Medicaid agency. The Johnson family is a composite created for illustration.

  9. Oct 20

    Three Kinds of Trust, and the One Families End Up in by Accident

    Most parents know they’re supposed to have a special needs trust. Many have one. Very few can tell you which kind it is, and that difference can decide whether your loved one’s money keeps them on benefits or ends up paid back to Medicaid. In this episode, you’ll learn: → The three kinds of special needs trust, first-party, third-party, and pooled, and why they work so differently → How a well-meaning gift, like a custodial account from Grandma, can push a family into the wrong kind of trust → The four paths that actually fund a trust, and a simple test to find the gaps → What a trustee’s job really involves, and why discretion in the trust language matters A trust is only as good as the path the money takes to get there. Build the right one, point every dollar toward it on purpose, and it will do what you built it to do. Build your family’s plan: Your loved one’s future depends on decisions that are all connected: benefits, trusts, housing, the people you name, and your own retirement. The free Lifetime Care Plan workbook walks you through all six pieces, with fillable worksheets you can finish at your own pace. For this episode, start with the trust inventory on page 26, the beneficiary audit on page 27, and the wording for grandparents and relatives on page 29. 👉 Download the free workbook: https://www.clearviewfw.com/free-workbook Episode resources: → Book a 30-minute call with Reggie: https://calendly.com/reggie-clearviewfw/30min → Listen to Episode 4: Where Good Intentions Go Wrong: Trusts, Benefits, and Beneficiary Forms → Learn about the Six P’s of Lifetime Care Planning: https://www.clearviewfw.com This episode is for educational purposes only and is not legal, tax, or investment advice. Trust rules vary by state, and some details depend on how your trust is drafted. Consult a qualified special needs attorney about your situation. The Johnson family is a composite created for illustration.

  10. Oct 20

    Turning 18 Changes Everything

    In this episode, you’ll learn: → The four things that change on your child’s 18th birthday, and why so many families are caught off guard → The full range of decision-making options, from guardianship to less restrictive choices like a health care proxy and supported decision-making → Why SSI can open up at 18 for families who never qualified before, and what to have ready at 14, 16, and 17 Your authority as a parent doesn’t phase out slowly. It ends on a single day. Plan for it early, and the birthday becomes a milestone instead of a scramble. Build your family’s plan: Your loved one’s future depends on decisions that are all connected: benefits, trusts, housing, the people you name, and your own retirement. The free Lifetime Care Plan workbook walks you through all six pieces, with fillable worksheets you can finish at your own pace. 👉 Download the free workbook: https://www.clearviewfw.com/free-workbook Episode resources: → Book a 30-minute call with Reggie: https://calendly.com/reggie-clearviewfw/30min → Listen to Episode 8: SSI and Medicaid → Learn about the Six P’s of Lifetime Care Planning: https://www.clearviewfw.com This episode is for educational purposes only and is not legal, tax, or investment advice.

  11. Oct 20

    ABLE Accounts, the Tool Most Families Underuse

    In this episode, you’ll learn: → Who qualifies for an ABLE account now that the age limit has expanded to disability that began before 46 → How much can go in each year, including the extra room for loved ones who work → The housing rule that makes ABLE accounts uniquely useful, and how a trust and an ABLE account can work together to pay rent without reducing SSI An ABLE account doesn’t replace a special needs trust. Used alongside one, it gives your loved one more independence and gives your plan more flexibility. Build your family’s plan: Your loved one’s future depends on decisions that are all connected: benefits, trusts, housing, the people you name, and your own retirement. The free Lifetime Care Plan workbook walks you through all six pieces, with fillable worksheets you can finish at your own pace. 👉 Download the free workbook: https://www.clearviewfw.com/free-workbook Episode resources: → Book a 30-minute call with Reggie: https://calendly.com/reggie-clearviewfw/30min → Listen to Episode 10: Three Kinds of Trust, and the One Families End Up in by Accident → Learn about the Six P’s of Lifetime Care Planning: https://www.clearviewfw.com This episode is for educational purposes only and is not legal, tax, or investment advice.

  12. Oct 20

    The Benefit Most Parents Don’t Know Their Child Will Get

    In this episode, you’ll learn: → Who qualifies for Childhood Disability Benefits (also called Disabled Adult Child, or DAC, benefits), and why they’re often larger than SSI → How your own Social Security claiming decision affects when your child’s benefit starts → The Medicaid protection families lose because nobody tells the state, plus four common myths about DAC benefits This benefit is paid on your work record, not your child’s. Understanding it can change how you think about your own retirement and your child’s future at the same time. Build your family’s plan: Your loved one’s future depends on decisions that are all connected: benefits, trusts, housing, the people you name, and your own retirement. The free Lifetime Care Plan workbook walks you through all six pieces, with fillable worksheets you can finish at your own pace. 👉 Download the free workbook: https://www.clearviewfw.com/free-workbook Episode resources: → Book a 30-minute call with Reggie: https://calendly.com/reggie-clearviewfw/30min → Listen to Episode 11: ABLE Accounts, the Tool Most Families Underuse → Learn about the Six P’s of Lifetime Care Planning: https://www.clearviewfw.com This episode is for educational purposes only and is not legal, tax, or investment advice. Figures reflect 2026 rules and may change. The Johnson family is a composite created for illustration.

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About

You know your child better than anyone. The question is who else will, when you're not here. Planning for Their Future is a podcast for families raising or supporting someone with special needs. Most of these families have done some of the planning: a will, life insurance, maybe a special needs trust. Few have a plan that holds together once they're not the ones running it. This show is about building that plan. Host Reggie Peral, founder of ClearView Family Wealth, works through it one piece at a time using the Six P's of Lifetime Care Planning: Picture, Price, Protect, People, Preserve, and Practice. That means the money, and also the people, the knowledge, and the systems your loved one will depend on. Episodes cover SSI and Medicaid, special needs trusts, ABLE accounts, guardianship and turning 18, siblings, and what happens after both parents are gone. Free Lifetime Care Plan workbook: clearviewfw.com/free-workbook For educational purposes only. Not legal, tax, or investment advice.

Information

  • Creator
    Reggie Peral
  • Episodes
    12
  • Seasons
    1
  • Rating
    Clean
  • Copyright
    © 2026 Reggie Peral