Do you require a minimum portfolio size or asset minimum?

No. Because we charge a flat fee based on planning complexity—not a percentage of assets—we do not require a minimum portfolio size.

How do you coordinate with my attorney on Special Needs Trusts?

We work directly alongside your estate attorney on SNT funding, titling, and operational guardrails. We coordinate the financial pieces—ABLE setup, SSI & Medicaid monitoring, successor readiness—so your attorney can focus on the legal drafting.

Can we work virtually if we're not in Greensboro?

Yes. We work virtually with families nationwide, in addition to meeting in person in Greensboro and the Triad/Triangle.

Who is a good fit for Legs Financial?

We work best with two kinds of families. First, families with a loved one with a disability who need coordinated two-lifetime and special needs planning, including a Special Needs Trust, an ABLE account, and benefits like SSI, Medicaid, and Disabled Adult Child (DAC) benefits. Second, people a few years from retirement, or newly retired, with a tax-heavy picture who need help with Roth conversion timing, the order they draw from accounts, and Social Security and Medicare planning.

Special Needs • Tax Planning • Retirement

Every family’s path is different.

Special Needs & Tax-Focused Retirement Planning in Greensboro, NC

We guide each one with the same depth and care. Here is who we work with and what we focus on for each.

Who We Serve at a Glance

•
Special needs families: We coordinate the Special Needs Trust, ABLE account, and benefits like SSI & Medicaid that protect a loved one with a disability, for your lifetime and theirs.
•
Retirees and pre-retirees: For people a few years from retirement, or newly retired, with a tax-heavy picture. We help you time Roth conversions, draw from accounts in the right order, and plan for Social Security and Medicare.
•
Where: Triad and Triangle in person, plus virtual nationwide

Special Needs Financial Planning

Planning for two lifetimes.

For families caring for a loved one today and planning for every tomorrow.

Two-lifetime planning means protecting your loved one’s benefits, quality of life, and financial security across both your lifetime and theirs. The plan is built to last, so it keeps carrying your family’s intent forward even after you no longer can.

SNT vs ABLE at a Glance

A Special Needs Trust holds larger amounts, managed by a trustee. An ABLE account is a tax-advantaged savings account your loved one can control for everyday costs.

Topic	Special Needs Trust (SNT)	ABLE Account
Eligibility	Any person with a qualifying disability; no age limit	Disability onset before age 46 (2026 rules)
Contribution limits	No limit; funded by family, inheritance, or lawsuit proceeds	$20,000/year (2026); higher for working beneficiaries
Who controls funds	Trustee manages and distributes on behalf of beneficiary	Account owner or authorized individual controls directly
Typical uses	Large assets; supplements needs not covered by benefits	Daily expenses, transportation, education, housing
SSI & Medicaid impact	Properly drafted SNT does not count as a resource	Up to $100K excluded from SSI resource limit
Best used for	Long-term asset protection and care planning	Flexible, accessible spending with tax-free growth

Updated: March 2026. Limits subject to annual adjustment. Used together, an SNT and an ABLE account provide both long-term protection and day-to-day flexibility.

Mike Davis and six friends smiling for a group selfie inside a van on a road trip

What happens to your loved one when you’re not here?

For families with a loved one with a disability, the financial stakes are uniquely high. One wrong move, such as a well-meaning gift or the wrong account type, can disqualify your loved one from benefits they depend on.

And the deeper fear isn’t the paperwork. It’s the question you can’t stop asking: Who coordinates everything when I’m gone?

We build lasting, two-lifetime plans designed to carry your family’s intent forward. Mike holds the Chartered Special Needs Consultant (ChSNC®) designation, reflecting focused training in the specific mechanics of special needs planning alongside years of hands-on experience.

Special Needs Planning at a Glance

• Scope: SNT coordination, Achieving a Better Life Experience (ABLE) setup, SSI & Medicaid monitoring, Letter of Intent, and successor readiness.
• Coordination: We work directly alongside your estate attorney and CPA, so you are never the go-between.
• Pricing: Included in The Expedition plan ($16,000/yr) or as a standalone Financial Map starting at $6,000.

Trust & Account Setup

→ Special Needs Trust coordination and funding, working alongside your estate attorney
→ ABLE account setup, monitoring, and coordination with SNT
→ Active SSI & Medicaid eligibility monitoring
→ Letter of Intent: documenting your loved one’s life, preferences, and care instructions

Coordination & Readiness

→ Successor readiness packet: a plain-English guide for future trustees and caregivers
→ Aging parent planning: coordinating care transitions, estate triggers, and professional team alignment
→ Proactive trustee, attorney, and CPA coordination, so you’re never the go-between

Request a Special Needs Review

Tax-Focused Retirement Planning

Fewer surprises. More clarity. Less tax drag.

For people getting ready to retire and those already enjoying it.

We look at the whole picture: how you save, how you move into retirement, and how you spend down your money, while trying to minimize your lifetime tax bill. We also plan around the extra Medicare costs higher earners pay (IRMAA surcharges).

Retirees & Pre-Retirees

Social Security timing and optimization
A safe, flexible plan for how much to take out each year (withdrawal sequencing)
Timing when to move money to a Roth (Roth conversions), and what order to spend from your accounts, to keep more of your money
Medicare surcharge planning (IRMAA)
Estate alignment and beneficiary coordination
Year-round execution via Seasonal Cadence

Whether you’re still saving or already spending down, the tax choices you make today matter for years. We watch your tax bracket year-round, not just in April.

Tax Playbook at a Glance

✓ Moving money to a Roth in the low-tax years (Roth conversion windowing)
✓ Holding the right investments in the right accounts (asset location)
✓ Planning around the extra Medicare costs (IRMAA)
✓ Using investment losses to cut your tax bill (tax-loss harvesting)
✓ Handling required withdrawals (RMDs) and tax-smart giving (QCDs/DAFs) on schedule

Is this you?

We work best with families whose finances have gotten complicated enough that general advice no longer cuts it.

If even one of the following fits your situation, it’s worth a conversation.

You’re likely a strong fit if…

You have a loved one with a disability and need a lasting, coordinated plan
You feel like your CPA, attorney, and advisor don’t talk to each other
You’re approaching retirement and worried the money won’t last
You want a flat fee, with no percentage of assets and no hidden incentives
You want someone who executes, not just advises

We may not be the right fit yet if…

You’re just starting out and need basic budgeting guidance
You prefer a completely self-directed, DIY approach
Your primary need is insurance product placement
You’re looking for short-term trading or speculative investing

Not sure where you fall? The Trailhead Meeting is a no-pressure conversation, with no obligation to move forward.

Questions about whether we’re the right fit?
Let’s talk →

Where to next?

Ready to see how our flat-fee model and The Legwork fit your path?

Plan Your Route

Discuss your route.

No spreadsheets, no jargon, just an honest conversation about where you want to go.

Schedule a Trailhead Meeting