When NC Medicaid Sends a Termination Notice
A Medicaid termination notice starts more than one clock. Here is what North Carolina families need to know about deadlines, appeals, and next steps.
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Field Guide
Financial Planning Field Guide
Practical, plain-English articles on tax planning, retirement income, and special needs planning from a flat-fee fiduciary in Greensboro, NC.
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What Is Changing for NC Medicaid in 2026 and 2027
NC Medicaid is changing in 2026 and 2027, including a new work requirement. Here is who it affects, who is exempt, and the deadline that matters most.
Read article →The Deadline That Does Not Move: Medicare and IRMAA in 2026
Miss your seven-month Medicare enrollment window and the Part B and Part D penalties can last for life. Here is the enrollment timeline, the IRMAA income cliffs, and the 2026 numbers behind both.
Read article →Charting Your Path: How to Maximize Your Social Security Benefits in 2026
Delaying is not the whole story. Claiming age, spousal and survivor coordination, and the taxes on your benefit all decide what Social Security is actually worth to you in 2026.
Read article →The Medicaid Waiver Waitlist: What Families Can Actually Control
Medicaid waiver waitlists can run for years, and no family or adviser can control the timeline. Here is what determines the wait, and what you can actually plan for while you wait for a slot.
Read article →Aging Out of Special Education: What Happens When Services End
Special education services have a legal end date, but your state sets it, not one federal rule. Adult services do not start automatically. Here is what changes and how to plan for the gap before graduation.
Read article →Your Insurance Audit: What You Actually Have, What You Are Missing, and What You Are Probably Overpaying For
Insurance mistakes rarely show up gradually. They show up all at once, at the worst possible moment. Here is a framework for auditing life, disability, umbrella, home, auto, and health coverage each year, and closing the gaps before something goes wrong.
Read article →The Back-to-School Financial Checklist for Families Sending a Kid to College
The tuition bill gets all the attention. Meanwhile, a dozen smaller August decisions quietly set the tone for the next four years. Here is what to work through before move-in day, from HIPAA authorizations to 529 withdrawal timing to renter’s insurance.
Read article →Federal Agencies Are Changing How Disability and Civil Rights in Schools Are Enforced. Here Is What Families Need to Know.
A June 2026 reshuffle moves special education daily work to HHS and shares civil rights enforcement with the DOJ. The underlying laws have not changed, but the process families use to raise complaints is being reworked.
Read article →A Federal Memo Is Challenging a Key Disability Right. Here Is What That Means.
A June 2026 DOJ memo argues the integration mandate is not a firm requirement. Here is what the memo says, why advocates are alarmed, and what it means for families who rely on community-based support.
Read article →The Retirement Income Problem Nobody Talks About
Saving for retirement is the first half of the problem. Turning those savings into income you cannot outlive is the second half. Here is why sequence of returns risk, withdrawal ordering, and guaranteed income matter more than most people realize.
Read article →What to Do With a Windfall
Inheritance, home sale, business sale, bonus, settlement: a sudden influx of money is emotional, taxable, and easy to mishandle. Here is how to think about it before you act.
Read article →What Is Financial Planning? (And What It Is Not)
Financial planning gets used to mean a lot of different things. Here is what it actually is, what it is not, and what a real plan looks like across the areas of your financial life.
Read article →How to Choose a Trustee for a Special Needs Trust
The trustee of a Special Needs Trust makes the judgment calls the document cannot anticipate. Here is how to choose wisely, what to look for, and how to revisit the decision over time.
Read article →Supported Decision-Making: An Alternative to Guardianship for Adults With Disabilities
When a child with a disability turns 18, guardianship is not the only option. Here is how supported decision-making works in North Carolina and when it makes sense.
Read article →What Is a Letter of Intent and Why Every Special Needs Family Needs One
A Letter of Intent is not a legal document, but it may be the most important thing you write for your loved one. Here is what to include, where to keep it, and how to maintain it.
Read article →Financial Decisions in the First Year After Losing a Spouse
The year after losing a spouse brings tax shifts, Social Security choices, and account decisions with very different deadlines. Here is what cannot wait, and what should.
Read article →Gifting Appreciated Assets: Why the Stock You Give Now May Cost Your Kids Later
Gifting appreciated stock feels generous, but the recipient inherits your cost basis. Here is when gifting still wins, when it does not, and why the step-up at death often beats giving now.
Read article →What to Do When Your Child’s ABA Provider Stops Taking Medicaid
If your child’s ABA provider stops accepting Medicaid, you still have options. Here is what to do, what rights you have, and how to keep therapy from falling through.
Read article →The Professionals Who Help Special Needs Families (and What Each One Does)
From special needs attorneys to care managers, here is a plain-English guide to the professionals who help families after a disability diagnosis and what each one does.
Read article →Making the Most of Charitable Giving with a QCD
IRA owners 70½ or older can give to charity tax-free with a QCD, reducing taxable income and avoiding Medicare premium surcharges.
Read article →The Gift Tax: What It Actually Is, Who Actually Pays It, and the Form You May Need to File
Most people think the gift tax works one way. It works another. Here is who actually pays it, when Form 709 is required, and why you may need to file it.
Read article →Why Experienced Investors Still Make Difficult Decisions
Experienced investors still make emotionally driven decisions. Here’s what the research says about behavior gaps and how structure can help you stay on course.
Read article →When Your Child Turns 18: Legal Options for Families With Special Needs
When a child with special needs turns 18, parents lose legal authority to make decisions on their behalf. Here are your options for maintaining the right support.
Read article →Retirement Accounts and Special Needs Planning: What Families Need to Know
Naming a child with special needs as a direct beneficiary of a retirement account can jeopardize their government benefits. Here’s how to think through your options.
Read article →Section 504 Is in Court. Here’s What Families With Disabilities Should Know.
Nine states are challenging how Section 504 of the Rehabilitation Act is enforced. The outcome could affect access to education, health care, and community services for people with disabilities.
Read article →Is Your Portfolio Drifting Off-Trail?
Market volatility can push your investments off course. Learn how portfolio drift happens and why rebalancing is the key to staying on your trail.
Read article →Beyond the Average: Why the Order of Market Returns Matters
Average returns don’t tell the whole story. Learn how sequence of returns risk impacts your retirement and how the Bucket Strategy can help protect your income.
Read article →Rideshare Services for People With Disabilities: Benefits, Challenges, and Your Rights
Rideshare services have opened new mobility for people with disabilities, but denied rides, spotty WAV coverage, and uneven app accessibility remain. Here is what to know and what your rights are.
Read article →Helpful Tax Filing Tips for People With Disabilities
Filing taxes can be confusing, but there are credits and resources that can help individuals with disabilities save money and maximize financial security.
Read article →How to Prepare to Apply for Social Security Disability Benefits
How to Prepare to Apply for Social Security Disability Benefits — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Funding the Future: The SNT Connection
Funding the Future: The SNT Connection — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Beyond the Group Home: Special Needs Housing Options
Beyond the Group Home: Special Needs Housing Options — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →The Financial Time Machine: Why You Still Have Time to Save for 2025
The Financial Time Machine: Why You Still Have Time to Save for 2025 — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →The February Tax Trap: Why This Month is Peak Season for Identity Thieves
The February Tax Trap: Why This Month is Peak Season for Identity Thieves — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →The Americans with Disabilities Act, Explained
The Americans with Disabilities Act is the cornerstone civil rights law protecting people with disabilities in employment, government services, public spaces, and telecommunications. Here is how each of its four Titles works and why it matters.
Read article →The Hidden Risk: Beneficiary Designations
The Hidden Risk: Beneficiary Designations — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →2026 Financial Kickstart
2026 Financial Kickstart — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Don’t Just Take It, Manage It: Your 2026 RMDs
Don’t Just Take It, Manage It: Your 2026 RMDs — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Why Cash Flow is the Heart of Your Financial Plan
Why Cash Flow is the Heart of Your Financial Plan — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →10 Ways to Maximize Your Social Security Retirement Benefits
10 Ways to Maximize Your Social Security Retirement Benefits — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →SCOTUS to Determine Definition of Intellectual Disability
SCOTUS to Determine Definition of Intellectual Disability — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →The State of Family Caregiving in the United States
The State of Family Caregiving in the United States — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Blueprint for 2026: Turning Resolutions into Results
Blueprint for 2026: Turning Resolutions into Results — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Dust Off the Documents: Why Your Estate Plan Needs a Check-Up
Dust Off the Documents: Why Your Estate Plan Needs a Check-Up — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →The Year-End Financial Physical: Closing the Year Strong
The Year-End Financial Physical: Closing the Year Strong — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →2.8 Percent Increase in 2026 for SSI and SSDI Recipients
2.8 Percent Increase in 2026 for SSI and SSDI Recipients — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →ABLE Accounts Will Be Available for More People in 2026
ABLE Accounts Will Be Available for More People in 2026 — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Special Needs Trusts as a Safeguard for Medicaid Eligibility
Special Needs Trusts as a Safeguard for Medicaid Eligibility — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Practical Tips for Smart Holiday Spending
Practical Tips for Smart Holiday Spending — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Shopping Securely This Season
Shopping Securely This Season — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Unlock Your Benefits Potential: A Guide to Maximizing Open Enrollment
Unlock Your Benefits Potential: A Guide to Maximizing Open Enrollment — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →What Is a Life Care Planner and Does Your Family Need One?
Life care planners create detailed, individualized plans for people who require ongoing care. Here’s what they do, who benefits, and how to find the right one.
Read article →Caring for Yourself and Your Child With Special Needs
Caring for Yourself and Your Child With Special Needs — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →How Can Purple Alerts Help People With Disabilities?
How Can Purple Alerts Help People With Disabilities? — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Is It Time to Rebalance Your Portfolio?
Is It Time to Rebalance Your Portfolio? — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Navigating Your Finances When Interest Rates Are Low
Navigating Your Finances When Interest Rates Are Low — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Year-End Tax Planning: Smart Moves Before the New Year
Year-End Tax Planning: Smart Moves Before the New Year — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →13 Conditions Added to SSA’s CAL
13 Conditions Added to SSA’s CAL — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Medical Decision-Making for Individuals With Chronic Disease
Medical Decision-Making for Individuals With Chronic Disease — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →The Crucial Conversation About Healthcare Power of Attorney
The Crucial Conversation About Healthcare Power of Attorney — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →The Parent’s Playbook: Helping Your College Student Build Credit
A strong credit score sets your student up for lower loan rates, easier apartment approvals, and greater financial independence. Here’s how to help them get started.
Read article →Path to College Just Got Easier: NC College Connect
Path to College Just Got Easier: NC College Connect — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Your College Savings Toolkit
Your College Savings Toolkit — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →30 Questions to Ask When Looking for a Group Home
30 Questions to Ask When Looking for a Group Home — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →ABLE Accounts: Big Changes Coming in 2025-2027
ABLE Accounts: Big Changes Coming in 2025-2027 — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Feds Allow Subminimum Wages for Disabled Workers to Continue
Feds Allow Subminimum Wages for Disabled Workers to Continue — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →SSI and SSDI Recipients: Are Payments by Check Ending?
SSI and SSDI Recipients: Are Payments by Check Ending? — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →The OBBBA and Other Key Tax Changes
The OBBBA and Other Key Tax Changes — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →August Is Make-A-Will Month: Why Your Family Can’t Afford to Wait
Most people put off writing a will, but it’s one of the most important things you can do for your family. Here’s what’s at stake and how to get started.
Read article →How to Get an Expedited Reinstatement of Your SSDI Benefits
If your disability returns after you went back to work, you may be able to restart SSDI without starting over. Here’s how expedited reinstatement works.
Read article →Grant Funding for Children With Special Needs
Grant Funding for Children With Special Needs — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Is Autism Considered a Disability?
Is Autism Considered a Disability? — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →The Effects of Private Equity Firms on Disability Services
The Effects of Private Equity Firms on Disability Services — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Employment Up for People With Disabilities But Gaps Remain
Employment Up for People With Disabilities But Gaps Remain — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Beware the Silent Thief: Understanding and Combating Lifestyle Creep
Beware the Silent Thief: Understanding and Combating Lifestyle Creep — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Navigating Your Portfolio: How Asset Allocation Impacts Risk and Return
Navigating Your Portfolio: How Asset Allocation Impacts Risk and Return — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Unlocking Philanthropy: A Look at Donor-Advised Funds
Unlocking Philanthropy: A Look at Donor-Advised Funds — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Long-Term Care for a Special Needs Child: What to Ask
Long-Term Care for a Special Needs Child: What to Ask — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →New Film Shows How Service Dogs Empower Children With Autism
New Film Shows How Service Dogs Empower Children With Autism — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Shared Living Arrangements for Individuals With Disabilities
Shared Living Arrangements for Individuals With Disabilities — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →The Benefits of Establishing a Special Needs Trust Early
The Benefits of Establishing a Special Needs Trust Early — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →The Wild Ride: Cryptocurrency as an Investment Vehicle
The Wild Ride: Cryptocurrency as an Investment Vehicle — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →When Can I Retire?
When Can I Retire? — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Young Investors: Roth or HSA?
Young Investors: Roth or HSA? — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Disability Advocates Sue Social Security Administration
Disability Advocates Sue Social Security Administration — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Fighting Health Insurance Claim Denials
Fighting Health Insurance Claim Denials — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →How Education Cuts May Affect Students With Disabilities
How Education Cuts May Affect Students With Disabilities — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →I’m on SSDI. Can I Work and Keep My Disability Benefits?
I’m on SSDI. Can I Work and Keep My Disability Benefits? — Educational article from Legs Financial, a fee-only, flat-fee fiduciary financial planning firm in Greensboro, NC.
Read article →Competitive Integrated Employment: What It Is and How to Access It
People with disabilities have the right to work alongside non-disabled peers at competitive wages. Here’s how competitive integrated employment programs can help.
Read article →AbilityOne: Federal Employment for People With Disabilities
AbilityOne is one of the largest sources of employment for Americans who are blind or have significant disabilities. Here’s how the program works and how to apply.
Read article →How an ADU Can Help Your Loved One Live Independently — Close to Home
An accessory dwelling unit on your property can give a loved one with special needs their own space, close to family, at a fraction of the cost of assisted living.
Read article →How ABLE Accounts Fit Into a Special Needs Financial Plan
ABLE accounts help people with disabilities save for qualified expenses while preserving access to SSI and Medicaid. Here’s what you need to know.
Read article →SNT vs. ABLE Account: Which Is Right for Your Family?
A special needs trust and an ABLE account each protect benefits eligibility while building savings. Here’s how to know which one -- or both -- fits your situation.
Read article →The "Secret Society" That Can Help Your Disabled Child Enter the Workforce
Pre-employment transition services are federally funded and available to most disabled students, but fewer than 10% receive them. Here’s how to access them.
Read article →How Long Does It Take Before SSDI Benefits Begin?
SSDI approval takes an average of six to eight months, and payments don’t start immediately after approval. Here’s how the timeline works and what affects it.
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