Special Care

Special Care Planning: A Lifeline for Families with Unique Needs

300+ Advisors Across FL & GA

Affiliated with MassMutual

Supported Independence Platform

300+ Advisors Across FL & GA

Affiliated with MassMutual

Supported Independence Platform

At Coastal Wealth, we recognize that financial planning isn’t one-size-fits-all, especially when families are faced with special care challenges. Special Care Planning focuses on helping families secure their financial future while addressing the unique needs of children or adults with disabilities. It’s a process that ensures families not only meet their current financial goals but also prepare for a future that involves care, protection, and opportunities for their loved ones.

Meet Hiram Hernandez: Dedicated Special Care Planner

One of our most dedicated professionals in this field is Hiram Hernandez, MBA, RICP. With nearly 15 years of experience in the financial services industry, Hiram takes great pride in delivering the kind of support and trustworthy advice that his clients need, especially those with special care concerns. Hiram’s passion for financial planning shines through his work, and he has helped over 150 families with children and adults with special needs. He understands the intricate details involved in crafting plans that ensure not only a stable present but also a secure future. Hiram’s work has earned him the title of Coastal Wealth’s Top Financial Planner in 2022.

Hiram has worked on over 500 financial plans during his career and has become a valuable resource for families looking to protect their future. His work is more than just creating plans—it’s about offering peace of mind to families dealing with the complexities of raising children or supporting adults with disabilities.

Special Care Planning in Action

Supporting Patricia & Jessica's Journey

Hiram and his team recently worked with a family whose daughter, Jessica, was diagnosed with Frontal Left Lobe Dysplasia and experienced frequent seizures. Her mother, Patricia, had to juggle being a realtor with caring for Jessica, which was becoming increasingly difficult. The family needed support to maintain financial stability while Patricia cared for her daughter full-time.

Hiram’s team helped the family access several critical benefits, including SSI income, Medicaid health insurance, and the Med-Waiver program, which ultimately paid Patricia for being Jessica’s caregiver. This allowed Patricia to leave her career and focus entirely on her daughter’s care, while ensuring that the family’s financial needs were met. The family can now enjoy more quality time together, including taking vacations, without the stress of financial insecurity.

Preparing Michael for His Future

Another family Hiram helped includes Michael, a young man diagnosed with autism and an intellectual disability. As Michael approached adulthood, his mother, Jill, sought Hiram’s guidance for financial and special care planning. Together, they worked on Michael’s transition into adulthood by applying for SSI and Medicaid benefits.

When Jill’s husband, Carlos, suffered a serious injury, Hiram’s team jumped in to secure additional resources through the Med-Waiver program, ensuring that Michael received full-time caregiving support. As Carlos continued to struggle with his health, Hiram worked to transition him into becoming Michael’s paid caregiver, ensuring the family’s future was financially sound.

A Team Committed to Special Care Planning

Coastal Wealth is proud to offer specialized financial planning services that truly make a difference for families with unique needs. Alongside Hiram, Natalie Silva, our Director of Business Development, brings her own passion to the team. Natalie, who was born with Cerebral Palsy, has a deep personal connection to the special care community. She has used her expertise in marketing and business development to support these important initiatives, ensuring that Coastal Wealth can reach even more families in need.

The Importance of Planning for the Future

Special Care Planning is about more than financial security—it’s about creating a future where families can focus on what truly matters: caring for their loved ones. Hiram and his team’s work with families like Patricia’s and Michael’s highlights the profound impact that careful planning can have on quality of life.

If you or someone you know is facing the challenges of caring for a loved one with special needs, reach out to us. Coastal Wealth’s Special Care Planning team is here to offer support, guidance, and peace of mind for the journey ahead.