Navigate The Complexities Of Special Needs Planning With Confidence.

Able accounts. Benefits preservation strategies. Special needs trusts. Transition planning. Comprehensive wealth management guided by a CFP® professional living the journey.

Make an Appointment

100%

Fiduciary duty

AZ

Direct experience with DDD/ALTCS

CFP®

Professional

12+

Years wealth management

experience

PROUDLY SERVING THE EAST VALLEY

COMMON CHALLENGES WE SOLVE

SOUND FAMILIAR? YOU'RE IN THE RIGHT PLACE.

"Where do we start?"

Family reviewing early intervention options

New diagnosis. Overwhelming information. Mounting therapy costs.

Benefits roadmap
ABLE account strategy
Crisis financial planning

Crisis Planning Guide

"She turns 18
soon."

Young adult with parent discussing transition planning

Deadlines approaching. Services ending. One mistake could cost everything.

Guardianship planning
SSI/Medicaid protection strategies
Adult transition plan

Transition Checklist

"Who will care when we can't?"

Multi-generational family planning for the future

Aging parents. Adult children. The future feels uncertain.

Succession care planning
Lifetime funding strategies
Sibling considerations

Schedule a Call

THE FINANCIAL REALITY MOST FAMILIES DON'T PLAN FOR

The data is clear: families navigating disability face significant financial challenges that generic financial planning doesn't address.

46.3% Employment & Income Gap

Only 46.3% of working-age people with disabilities are employed, vs. 79.5% without disabilities.¹ Full-time employed individuals earn $9,176 less annually.²

What this means: Your loved one likely needs lifelong financial support that extends far beyond your working years.

2.5x The Poverty Risk

The poverty rate for working-age individuals with disabilities is 24.2%—nearly 2.5 times higher than the 9.9% rate for those without disabilities.³

What this means: Without a structured financial plan, your loved one faces severe financial vulnerability.

511k+ On Waiting Lists

Over 511,000 individuals are on Medicaid waiver waiting lists, often waiting years for services⁵ that cost $46k-$358k annually.⁴

What this means: Government help isn't guaranteed. Private resources and early planning are essential.

24% The Aging Caregiver Crisis

24% of family caregivers for people with I/DD are age 60 or older.⁶ 80% of the 7.3 million people with I/DD live with family.⁷

What this means: Time is not on your side. The urgency to plan increases with every passing year.

You didn't sign up to be a benefits attorney, estate planner, and care coordinator on top of being a parent. That's why we exist!

Sources:

¹ Thomas, N., et al. (2025). Annual Disability Statistics Compendium: 2025 (Table 3.1). UNH.

² Thomas, N., et al. (2025). Annual Disability Statistics Compendium: 2025 (Table 5.1). UNH.

³ Thomas, N., et al. (2025). Annual Disability Statistics Compendium: 2025 (Table 6.1). UNH.

⁴ University of Washington IHDD. (2025, Oct 15). State of the States in I/DD Releases 2025 Update.

⁵ NACDD. (2025, Oct). Bridging Aging and Disability Networks.

⁶ University of Kansas. (2023, July). Data Bites 7.0: Aging Caregivers.

⁷ National Core Indicators. (2023). Data Highlight: Paying Family Caregivers.

CLEAR, SIMPLE PROCESS

Your Path to Financial Confidence.

Discover

We listen to your concerns, understand your family's unique situation, and identify your priorities.

Analyze

We review benefits, analyze your finances, and model different scenarios to find the best path forward.

Create

We create a comprehensive plan that preserves benefits, optimizes resources, and protects your family's future.

Act

We help you execute the plan, coordinate with your team, and provide ongoing support as life evolves.

WHY I BUILT MORPHICAPITAL™

Lauren Ma, CFP® professional and founder of Morphicapital

"You need someone who's on this Journey with you."

I'M LAUREN MA, CFP® PROFESSIONAL & SPECIAL NEEDS PARENT.

My oldest son is 19 and has Autism/ID. When he was diagnosed at 2.5 years old, I was terrified.

Despite being a financial advisor at top firms, I struggled to find anyone who understood wealth management and disability planning. Advisors knew retirement accounts, not ABLE accounts; estate planning, not special needs trusts; optimizing taxes, not SSI benefit cliffs.

I built Morphicapital™ for families who need more than generic advice. You shouldn't have to become an expert in benefits law while also being a parent. Learn more about my story.

Ready to Take the Next Step?

Schedule a complimentary consultation to discuss your family's unique situation and explore how we can help.

Schedule a Consultation View Our Services