Your child deserves a integrated plan
Not pieces of one.
If you have a child with a disability, you have probably worked with an attorney, a financial advisor, and a benefits coordinator, each one doing their part. That’s the role River plays.
HOW IT WORKS
Three steps to a complete plan
We start by looking at everything you have and showing you exactly what is missing.
Schedule a 15 minute call
Start the conversation to see if we can help.
02.
We identify the gaps
We audit what you have and show you exactly what is missing or misaligned across every planning domain.
03.
We build your integrated plan
Benefits, estate, insurance, wealth management, and care-coordinated into one strategy.
The Six gaps
Most families have parts of a plan. Not an integrated plan
The SNT exists, but nothing goes into it.
Trust is a container. Without the right plan nothing fills it.
Retirement accounts in the wrong structure
Pre-tax retirement accounts can cause a substantial amount to be lost to unnecessary taxes.
Life insurance sized to the wrong number
Coverage should be tied to the lifetime care funding need not a round figure.
No tax strategy for a 40-year horizon
Tax rates move up and down. The wrong plan could leave your family exposed.
No ABLE account
One of the most underutilized tools available at every income level.
No Letter of Intent
The people who care for your child after you're gone can't advocate for someone they've never met.
What families say
At River Financial Group, we believe financial planning is never just about money. It is about the people you love and the future you are working to protect. The families we serve come to us during some of life’s most demanding moments, including raising a child with special needs, navigating a divorce, caring for an aging parent, or facing an illness no one saw coming. In each of these situations, the numbers matter, but so does having someone in your corner who truly understands what is at stake.
We are proud of the relationships we have built over the years, many of which began with a single difficult conversation and grew into a trusted, ongoing partnership. Our clients do not just see us as advisors; they see us as part of the team that helps keep their families steady through whatever comes next.
But you do not have to take our word for it. Here is what a few of the families we have had the privilege to work with have to say.
