Your Family's Financial Future Deserves Specialized Expertise
Comprehensive wealth planning that integrates benefits preservation, special needs trusts, and transition planning—because your loved one's security can't wait.
Take our 60-second quiz to find which planning service matches your family's needsFind Clarity in the Complexity
Navigating SSI regulations, special needs trusts, ABLE accounts, and benefit coordination isn't complicated because you're doing something wrong—it's complicated because the system is genuinely complex. You need someone who can translate the complexity into a clear plan you can actually implement. Whether you need a comprehensive roadmap or ongoing guidance, we meet you where you are.
Find Your Service Fit
Not sure which service fits your family's needs? Take our quick 5-question assessment to get a personalized recommendation based on your situation, assets, and goals.
Take the Service Quiz →No email required to see your results
What Moves Off Your Plate
When you work with us, here's what you stop having to manage alone. Select a category to see the difference.
✓ Monitoring deadlines you can't afford to miss +
YOU'RE MANAGING:
SSI recertifications, ABLE contribution limits, Medicaid redeterminations, trust reporting requirements
THE MORPHICAPITAL™ WAY:
We track them. You get 60-day advance alerts.
✓ Translating complex rules into decisions +
YOU'RE MANAGING:
"Can my child work without losing benefits?" "How do we structure grandparents' estate plan?" "What happens at age 22 when school services end?"
THE MORPHICAPITAL™ WAY:
We translate. You get clear answers in plain language.
✓ Coordinating professionals who don't talk to each other +
YOU'RE MANAGING:
Your attorney needs financial data. Your CPA needs trust distribution strategy. Your school needs benefit documentation.
THE MORPHICAPITAL™ WAY:
We coordinate. You stop being the middleman.
✓ Tracking policy changes that affect your family +
YOU'RE MANAGING:
New ABLE age 46 eligibility (Jan 2026). SSI rule changes. Arizona ALTCS updates. Tax law modifications.
THE MORPHICAPITAL™ WAY:
We monitor. You get explained implications.
✓ Making high-stakes decisions alone +
YOU'RE MANAGING:
Trust funding strategies. Retirement timing. Guardian selection. Benefit vs. work trade-offs.
THE MORPHICAPITAL™ WAY:
We model scenarios. You make confident decisions.
Why Special Needs Families Need Specialized Advice
The financial impact of disability is real—and most advisors don't understand it.
Complete Wealth Management
Best for: Families with $1M+ wanting full delegation
YOU'RE MANAGING...
- Substantial assets requiring professional oversight
- Complex benefit coordination (SSI/SSDI/Medicaid/ABLE)
- Estate planning with trusts and multi-generational considerations
- Retirement planning while supporting a lifetime dependent
...WE MANAGE IT FOR YOU
- Portfolio management (non-discretionary)
- Comprehensive financial planning
- Unlimited consultations and ongoing support
- Professional team coordination (attorney, CPA, estate planner)
- Quarterly comprehensive reviews
What This Feels Like:
Someone ELSE helps support the weight of investment decisions, tax strategies, and benefits monitoring. Your attorney, CPA, and financial advisor actually talk to each other without you playing coordinator.
1.25% – 0.50% of assets (tiered pricing, decreases with assets we manage for you)
You want to offload investment management entirely and have someone else coordinate all the professionals.
Ongoing Planning & Guidance
Best for: Families needing continuous support through transitions, while self-managing investments.
YOU'RE MANAGING...
- Age 18/22 transitions with critical deadlines approaching
- Active trust requiring distribution planning
- Multiple children or complex family dynamics requiring coordination
- Want implementation support, not just a plan that sits on a shelf
...WE MANAGE IT FOR YOU
- Comprehensive financial plan integrated with disability considerations
- Quarterly planning meetings (real-time adjustments, not annual reviews)
- Implementation guidance (we help you execute, not just advise)
- Benefits monitoring (we track rule changes and alert you)
- Unlimited email/phone support between meetings
What This Feels Like:
You're not alone figuring out execution. When life changes (and with special needs families, it changes frequently), you don't wait months for your annual review. You have quarterly check-ins and can email/call between sessions without worrying about hourly billing.
$2,500/quarter, billed in advance
Life changes frequently and you need ongoing partnership, not just a one-time plan. You value having someone to help uncover hidden opportunities and identify blindspots in the background.
Limited Planning Engagements
Best for: Families who need the roadmap and can execute independently.
YOU'RE MANAGING...
- Straightforward situation (one child, stable benefits, established routines)
- Want expert guidance but don't need ongoing meetings
- Comfortable implementing recommendations yourself
- Prefer to manage own investments
...WE MANAGE IT FOR YOU
- Comprehensive financial plan
- Disability integration (benefits, ABLE, trust coordination with attorney)
- Implementation checklist with step-by-step guidance
- 90 days of email support for questions during execution
What This Feels Like:
You finally have a roadmap instead of googling random questions at midnight. Someone reviewed your ENTIRE financial picture—not just bits and pieces—and you're confident the plan accounts for benefits, trusts, transitions, AND your retirement. You can execute it yourself but had an expert design it.
$8,000 (one-time fee, 50% up front, 50% on delivery)
You're organized and self-directed, but you want an expert to design the strategy. You're comfortable with DIY execution once you have the plan.
Ready to Get Started?
Schedule Your Complimentary 30-Minute Fit Call
In this no-obligation consultation, we'll:
- Understand your family's situation and concerns
- Determine which service option aligns with your needs
- Answer your questions about our process
- Discuss whether we're the right fit to work together
No sales pressure. No obligation. Just a conversation about whether we can help.
Schedule Your Complimentary Fit Call
Questions first? Email us at hello@morphicapital.com
This complimentary consultation is informational only and does not constitute investment advice or create an advisory relationship. Our advisory relationship begins only upon execution of our advisory agreement.