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I have a Dependent Child

Retirement Scenario

Dennis (64) and Christie (62)

Dennis (64) and Christie (62)

Retiring with a Special Needs Child

Unlike other retirees, I cannot just live for myself in retirement. I have a special needs child. Leaving a family legacy and plan for financial management is not just a nice to have, it’s a necessity.

Congratulations. If you’re reading this it’s likely that you’ve done the right things to put yourself in a good place to retire.  You may not feel that way now. That’s normal. Many of our clients don’t feel that way either at first.  But after working with us to envision and create a well-planned retirement, they feel confident and excited about their futures.  (Well-planned does not mean this is going to be hard. We don’t think it will be.)

You may be facing the necessity of planning your own retirement as well as for the financial security and futures of others who depend upon you.  In this example, we’ll show you how a couple with a special needs child might approach the process of preparing for retirement.  


Dennis (64) and Christie (62) would like to retire in the next few years, but they have a special needs daughter whose future must also be planned for.  Although their daughter is now a young adult, it would be difficult for her to live a comfortable independent life without their care and financial support.  

Dennis and Christie have around $750,000 in retirement accounts, $200,000 in savings, a good pension from Dennis’s employer and they will both have Social Security retirement benefits.   

They are looking forward to their retirement, but they know they cannot just plan for their own future.  For Dennis and Christie, leaving an inheritance for their daughter is a must.  They know they need a plan that protects their daughter’s future while also creating enough retirement income for themselves so they can enjoy their retirement, not just survive it.  They’re not even sure if retirement is possible for them and they want a professional opinion on what their options are.    

After getting to know the couple, Hunt Country Wealth Management will design a Sovereign Series™ Retirement Plan with the following goals: 

  • Emphasis placed on protecting an inheritance for their daughter.
  • Ensure proper estate planning techniques are used in order to protect their daughter (Trusts etc.).
  • Minimize the risk of a bad stock market derailing their retirement date.
  • Plan to preserve the principal.
  • Plan to know how much income they can expect from their resources.
  • Plan to make the best choice as to which retirement savings accounts to use first, when, and how.
  • Plan for health insurance costs until they reach age 65 and qualify for Medicare.
  • Plan for a rising income to maintain a standard of living for a 25-year retirement.
  • Create a system for how their income will be directly deposited into their bank account and taxes will be withheld.

    Expected Results for Dennis and Christie: 

    • They have a plan showing them exactly how much income they can expect.
    • They have a balanced plan that allows them to retire while also leaving their principal and possibly more as an inheritance for their daughter.
    • They use proper estate planning techniques to ensure their daughter and the money they leave to her are protected.
    • With HCWM by their side, planning was easier than they thought it would be.

    Read Additional Scenarios:

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    Retirement Scenario | I Recently Experienced a Financial Windfall

    Retirement Scenario | I Plan to Retire in Three-to-Five Years

    Retirement Scenario | I Recently Lost My Spouse

    Retirement Scenario | I Plan to Retire Early

    Our Services


    Looking for retirement assistance? Look no further! At Hunt Country Wealth Management, we specialize in retirement planning. We offer two services tailored to your needs as you approach retirement. Our Retirement Audit™ is a quick way to find out if you're on track and help you prepare. The Sovereign Series™ Retirement Plan is a comprehensive in-depth financial plan that provides a roadmap to transition into retirement with confidence. Not sure which service you need? We can help with that too.

    This service was designed for those who want to...

    • Feel confident and prepared for retirement.
    • Know the amount/regularity of income your resources can produce. 
    • Have control over your financial future and clarity of direction. 

    Looking for better control over your investment strategy? Align your investment portfolios with your goals using our exclusive Guided Investing™ service. Our comprehensive investment management helps you create a strategic plan, with tailored strategies to optimize and preserve your resources. It starts by identifying your goals and can be personalized for retirement, wealth building, risk management, or multiple objectives. Feel supported and empowered as you make progress towards your financial milestones.

    This service was designed for those who want to...

    • Feel more confident in their investment decisions. 
    • Design a strategy to reach planned financial milestones such as retirement.
    • Collaborate with a professional to manage risk and monitor performance.

    Are you interested in discussing a unique financial situation?  If you have any general financial or investment-related inquiries and prefer a collaborative approach to address them, we would be delighted to assist you. Our Hunt Country Hourly Planning™ service offers financial advice on an hourly basis, without minimum asset or income requirements. With tailored recommendations and insights from our experienced professionals, get answers to your questions and valuable guidance.

    This service was designed for those who want to...

    • Gain clarity on intricate financial situations with professional guidance.
    • Make informed decisions on personal finances, investments, or estate planning.
    • Access financial advice as needed.
    We believe retirement should free you. It all starts with a plan.

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