MassMutual Eastern Pennsylvania is proud to have a select team in place to serve the special care planning needs of their clients. “Having a child with special needs myself, I feel that providing these resources to families is critical,” says Joe Mallee, the firm’s President and General Agent.
Since 2011, Robert Touzeau, who is a father of a son with Down syndrome, has led MassMutual Eastern Pennsylvania’s SpecialCare Planning Team. Currently, we partner with many non-profit organizations around Eastern Pennsylvania and support their efforts within our communities to help educate and provide better resources to their constituents who have family members with special needs.
MassMutual Eastern Pennsylvania’s SpecialCare Planning Team including planners with the Chartered Special Needs Consultant (ChSNC®) designation2, making them uniquely qualified to have the technical competence and skills necessary to help families with special needs. Coupled with support staff, the team is able to devote time and energy to the interests and organizations closest to our customers and communities.
Our holistic approach begins with a foundation of the key areas of traditional financial planning including financial position, protection, investments, tax management, retirement planning and estate planning. Then, it continues to address the additional planning dynamics that families with special needs face, including:
- Life Care Planning
- Government Program Integration
- Family Dynamics
- Legal and Tax Issues*
- Financial Resource Management
Our process encourages communication among the family’s network of advisers, provides information, education, resources and specialists, and offers customized options that create financial and legal strategies unique to an individual’s situation.
Our team along with our extended team of legal and tax professionals help families to:
- Address Current & Future Primary Issues
- Uncover Potential Planning Pitfalls
- Create a Special Care Vision
- Identify Guardianship Needs
- Prepare Wills & Other Legal Documents*
- Identify Financial Resources
- Coordinate Assistance Programs
- Determine Current & Future Plan/Care Costs
- Prepare a Letter of Intent
- Determine Appropriateness of a Special Needs Trust
- Identify Trustees, Guardians and Future Caregivers
- Hold Family Meetings
- Review Plan as Needed
If you believe our approach is right for you, or would like to more information to make that determination, please don’t hesitate to contact us for a confidential, no obligation consultation.
*Provided through our attorney and CPA network
The Special Care Planner receives advanced training and information in estate and tax planning concepts, special needs trusts, government programs, and the emotional dynamics of working with people with disabilities and other special needs and their families. The certificate program is offered by The American College in Bryn Mawr, PA, exclusively for MassMutual Financial Services Representatives.
Chartered Special Needs Consultant (ChSNC®) — a professional designation awarded to those individuals who've completed 120 hours of academic classes in addition to holding either Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC) or Certified Financial Planner (CFP) designations and previously completing the Special Care Planner certification program. The ChSNC designation was developed by The American College in Bryn Mawr, Pennsylvania. The certification program and the professional designation evolved from MassMutual's SpecialCareSM Program.Meet the SpecialCare Planning Team