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Special Needs Planning

A personalized approach to protecting what matters most.

I’ll never forget the day when the doctor told me about Jakob’s diagnosis. The combined

feelings of being scared, confused and sad were overwhelming.

My special needs journey started when my son, Jakob, turned 2½ and was diagnosed with autism. Immediately, my mind started racing ahead thinking about his future. Will he be able to go to school? Will he have a job? Go to college? Live Independently…? It took some time before I started to focus on the things that I can do for him right then. I know as parents of special kids we have a lot to deal with and on my journey, I was sometimes confused and made mistakes. That’s why I developed the Life Care Tool Kit™ to help you figure out what you can be doing right now no matter what stage of the journey you are on.

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Tool Kit for Parents


Age 0-3
Jakob - Age 3

When Jakob was 2 it was a daily revolving door of therapists. It seemed like someone was always at the house working with him and progress was slow.

Estate Planning Essentials
Guide to Early Intervention Services
Preparing for IEP
Types of Life Insurance
Age 3-14
Jakob with Moose

This was a critical time in Jakob’s development. I had frequent meetings with his team at school to make sure he was making progress. We didn’t always agree and it often felt like we would take two steps forward and one step back.

Benefits for Families with Disabled Children
Estate Planning Essentials
Letter of Intent
Types of Life Insurance
Age 14-18
Jakob - Transition

Jakob started to really come into his own. This was the period of time where he grew the most in terms of self-confidence and skill development. It was also filled with uncertainty as he approached his senior year in high school and where life would take us next.

Estate Planning Essentials
Letter of Intent
Transition Planning Guide
Types of Life Insurance
Age 18-22

When Jakob turned 18, we started applying for benefits. All the advice I had given to clients over the years about this process definitely came in handy. Despite this, dealing with government agencies is slow and frustrating at times.

Section 8 Vouchers
Supplemental Security Income
Transition Planning for a Child on an IEP
Benefits for Families with Disabled Children
Charting a Housing Course
Estate Planning Essentials
Guardianship and Alternatives
Letter of Intent
Types of Life Insurance

Age 22+
moving a couch

My hope is that Jakob will continue to make progress and be able to live independently one day. Many things are still uncertain but I am hopeful about his future.

State Agencies
Charting a Housing Course
Estate Planning Essentials
Letter of Intent
Types of Life insurance

Massachusetts Office


201 Jones Rd, Fifth Floor
Waltham, MA 02451

Call: (781) 398-1351
Email: info@riverfg.com

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Schedule With Leo Rotman
Schedule With Dmitry Frenklakh
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Florida Office


66 West Flagler St. 9th floor
Miami, FL 33130

Call: (305) 250-2445

Disclosure

Leo Rotman is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CA (CA Insurance License #4397336), CT, FL, MA, and NC. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Leo Rotman is licensed and authorized to offer insurance in California, but River Financial Group, LLC may not be. For additional information on California licensure status, please click here.

Leo Rotman is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 201 Jones Rd 5th Fl, Waltham, MA, 02451, 781-398-1351. In this regard, this communication is strictly intended for individuals residing in the states of CA, CT, FL, GA, MA, NC, NH, NM, NY, TX, UT, and VA. No offers may be made or accepted from any resident outside the specific states referenced.

Leo Rotman is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CA, CO, CT, FL, GA, IL, MA, NC, NH, NM, NY, TX, UT, VA, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

Dmitry Frenklakh is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CA (CA Insurance License #0M42250), CO, FL, GA, IL, MA, NY, OH, PA, and RI. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Dmitry Frenklakh is licensed and authorized to offer insurance in California, but River Financial Group, LLC may not be. For additional information on California licensure status, please click here.

Dmitry Frenklakh is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 201 Jones Rd 5th Fl, Waltham, MA, 02451, 781-398-1323. In this regard, this communication is strictly intended for individuals residing in the states of CA, CO, FL, GA, IL, MA, NY, OH, PA, RI, and VA. No offers may be made or accepted from any resident outside the specific states referenced.

Dmitry Frenklakh is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CA, CO, FL, GA, IL, MA, NY, OH, PA, RI, and VA. As such, these services are strictly intended for individuals residing in the states referenced.

River Financial Group, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither River Financial Group, LLC nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

For more information about NYLIFE Securities LLC and its investment professionals.

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