Financial Planning for Two Lifetimes

Because your child’s future deserves lasting care, security, and peace of mind.

Special needs planning isn’t just about today—it’s about ensuring your loved one is cared for even when you’re gone. Let Michael Ringel help you build a financial roadmap that protects your family’s future, even when you’re no longer there to do it yourself.

Schedule a Free Intro Call
Download the Free Guide

Why It Matters

When you care for a loved one with special needs, your financial plan has to go further, work harder, and last longer. That’s why we focus on “Two Lifetimes” — yours and theirs.

Planning for a Special Needs Child

  • The 4 critical documents every family needs
  • How to protect government benefits
  • Special Needs Trusts vs. ABLE accounts
  • Life insurance strategies for funding future care
  • How to start building a two-lifetime plan
Download the Free Guide

Book a Complimentary Planning Consultation

  • How to ensure continuity of care
  • How to coordinate with attorneys and trustees
  • What steps you can take today to secure your child’s independence
  • How to fund lifelong care without sacrificing your retirement
Schedule a Free Intro Call

Download the Free Guide

Watch how we help families create lasting financial peace.

About Michael Ringel

Michael Ringel, CPA, RICP®, CDFA®, CExP™, ChSNC®, is a nationally recognized specialist in financial planning for families with children with special needs. With over two decades of experience, Michael blends personal passion with deep expertise to create financial strategies that support care, independence, and long-term stability.
Download the Free Guide

Take the First Step Today

Whether you’re just starting or updating your plan, we’re here to help. Get the peace of mind that comes from knowing your family’s future is in good hands.

Schedule a Free Intro Call
Download the Free Guide

Get in Touch

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Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Strategies for Wealth is not an affiliate or subsidiary of PAS or Guardian. Not practicing CPA for Guardian or its subsidiaries or affiliates. CA Insurance License Number – 4204165.

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