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.

M&L Special Needs Planning’s 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.

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.

PLEASE STAY TUNED THIS WEBSITE WILL BE LAUNCHING A HOUSING/INDEPENDANT LIVING REPORT OF OVER 150 PROGRAMS ACROSS THE COUNTRY. CONSUMERS WILL HAVE EASY ACCESS TO PROGRAMS IN THEIR STATE.


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