Welcome to M&L Special Needs Planning!

We hope you find our website a resource to help with navigating the world of the family with special needs.

M&L Special Needs Planning is dedicated to creating simplicity with the complex journey of special needs. It is our vision to be the known resource and go-to company for special needs life plans, government benefit counseling, life insurance needs, housing and seminar presentations.


The M&L Special Needs Planning Mission

Our mission is to educate families in an emphatic, methodical, non-threatening way. We do this by providing workshops and creating financial security with comprehensive special needs life plans and government benefit counseling for the individual with special needs, siblings and parents.

We invite you to explore our Workshop Series where you will find a myriad of information, from Navigating the Financial World of the Family with Special Needs to Understanding SSI/Medicaid & SSDI/Medicare and much more.


Contact Us to Learn More

We work with families on a national basis. Please contact us to learn more about how we can partner together. In addition, we will present our workshops at your venue upon request.


Webinar Series

Beginning in 2017, M&L Special Needs Planning, LLC will begin its own webinar series based on our workshops. Each webinar will be available for a nominal fee.

To keep informed about webinars/schedule, follow the M&L Blog.  The information about any upcoming webinar will be posted there.

Integrated Living Opportunities (ILO)

Visit the ILO Website.

ILO is a 501c3 nonprofit established in 2015 by a group of families under the leadership of Maedi Tanham Carney. ILO is committed to helping individuals with developmental disabilities live full active lives in the wider community. The key to achieving this goal is supporting the self-advocates with intentional communities.

What is an Intentional Community?


It involves creating community “pods” (groups of self-advocates living in close proximity) and developing teams of paid and unpaid individuals to support each self-advocate. Intentional communities ensure self-advocates maintain their skills, develop new ones and are fully integrated into their communities.

Currently, ILO has the support of 20 participating families, and is hard at work developing community pods one in Germantown, Gaithersburg, and Bethesda MD, as well as in Washington, D.C. If you would like to learn more about these community pods, intentional communities, or the work that ILO is doing to create independent, inclusive, community based living options in the Maryland and D.C. areas, please contact ILO’s founder, President of the Board and CEO, Maedi Tanham Carney, for more information. Or, visit our website at ilonow.org to learn more.

If you are interested in joining ILO and helping us expand our networks of support, please let us know!

For further reading on ILO, including our core values, vision, and our mission statement, please browse through our Integrated Living Opportunities blog archive from the Blog Category drop-down menu on the right hand side of the website.


Learn More

We are Certified Financial Planners



Nearly 54 Million Americans cope with special needs and the rising associated expenses, according to the National Organization on Disability.

69% of families say they are very concerned about being able to provide lifetime care for their dependents with special needs
. MetLife’s Survey Torn Blanket 2005 study & updated in 2011.78% do not have any form of Comprehensive Special Needs Financial Life Plan. Autism Statistics.
People with a financial plan are more optimistic about their financial future than those without a plan
. 95% of the people who have a financial plan believe the benefits outweigh the costs. Statistics from Trends in Consumer Behavior. More Statistics


“We have done so many things we first heard about from your seminar, including a new will, a special needs trust set up by my parents, communicating with all family members about not leaving money to our child, our own special needs trust, and now a 2nd to die life insurance policy to fund the trust.” – Barry Lotenberg, Arlington, Virginia

“Thank you for conducting the very informative and timely workshops this year. I have recommended them to others and will continue to do so. My biggest take-away was “what you don’t know can hurt you.”read more

“It goes without saying, my words cannot express the heartfelt thanks we have in our appreciation for your funding of the Financial Assessment Planning Program for TLC that allowed our family a complete financial review and strategy planning from Maedi Tanham Carney, CFP founder of M&L Special Needs Planningread more


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