Michael Ringel, CPA, RICP - Strategies for Wealth

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Michael Ringel, CPA, RICP - Strategies for Wealth Empowering families with children with special needs to plan for two lifetimes. OSJ: 437 Madison Ave, 29th Floor, New York, NY 10022, ph #212.701.7900.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Strategies of Wealth is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #4204165

This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof. CPA is not practicing for Guardian or any subsidiaries or affiliates thereof.
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Balancing caregiving with retirement savings can feel impossible—especially when you’re already carrying the emotional w...
09/23/2026

Balancing caregiving with retirement savings can feel impossible—especially when you’re already carrying the emotional weight of planning for your child’s future. This guide breaks down practical ways to protect your retirement goals while keeping your special needs planning steady and benefit-ready, so you’re not forced to choose between today’s responsibilities and tomorrow’s security. If you’ve been putting it off because the decisions feel too complex or irreversible, this is a calmer, clearer path forward grounded in real-world strategy.

https://planningfortwolifetimes.com/how-to-balance-caregiving-retirement-savings/

Planning for your child’s future isn’t just a financial task—it’s emotional protection, especially when you’re carrying ...
09/21/2026

Planning for your child’s future isn’t just a financial task—it’s emotional protection, especially when you’re carrying responsibilities every day. In this review of *Planning for Two Lifetimes*, parents get a clear, practical framework for building a long-term plan that accounts for both disability care and the benefits your child may rely on, like SSI and Medicaid. It’s written with the kind of steady expertise that helps you avoid irreversible mistakes and cut through confusing, conflicting advice. If you want peace of mind grounded in real planning, this is the kind of guide that can help you get organized with confidence.

https://planningfortwolifetimes.com/planning-for-two-lifetimes-book-review/

Caring for a child with special needs already takes everything—so the last thing you need is uncertainty about what happ...
09/19/2026

Caring for a child with special needs already takes everything—so the last thing you need is uncertainty about what happens next. This article walks through life care plan examples built for special needs families, showing how to organize long-term support, protect eligibility for key benefits like SSI and Medicaid, and reduce the risk of costly, avoidable mistakes. If you’ve been juggling medical care, schooling, and finances without a clear structure, these real-world examples can bring clarity and peace of mind.

https://planningfortwolifetimes.com/life-care-plan-examples-special-needs-families/

If you’re a special needs parent or guardian, Medicaid renewals can feel like another high-stakes task on an already ove...
09/17/2026

If you’re a special needs parent or guardian, Medicaid renewals can feel like another high-stakes task on an already overloaded plate. This guide walks you through the renewal steps in plain language, helping you avoid common missteps that could put benefits like Medicaid (and related supports) at risk. It’s built for real life—school schedules, medical needs, paperwork chaos—and designed to bring steady clarity when you need it most. If you want a calmer, more prepared path forward, this article lays it out step by step.

https://planningfortwolifetimes.com/medicaid-renewal-steps-special-needs-families/

If you’re caring for a child with special needs, it’s normal to wonder whether child support payments could affect Medic...
09/15/2026

If you’re caring for a child with special needs, it’s normal to wonder whether child support payments could affect Medicaid eligibility—and the answer isn’t always as simple as people assume. In our latest article, we break down how eligibility rules can be applied in real life, so you can avoid costly misunderstandings and protect your child’s access to essential care. With steady, expert guidance, we help you connect the dots between income, benefits, and long-term planning—without adding more stress than necessary.

https://planningfortwolifetimes.com/does-child-support-impact-medicaid/

Worried your retirement account could accidentally reduce your child’s SSI eligibility? This article breaks down how ret...
09/13/2026

Worried your retirement account could accidentally reduce your child’s SSI eligibility? This article breaks down how retirement accounts can—and sometimes can’t—impact SSI rules, so you’re not left guessing or relying on conflicting advice. It also explains what families should understand early to protect essential benefits like SSI and Medicaid without derailing your long-term security. If you’re carrying the weight of future care, this clear, expert-driven guide is exactly the reassurance you need.

https://planningfortwolifetimes.com/can-retirement-accounts-hurt-ssi/

When you’re caring for a disabled child, “tax planning” isn’t just paperwork—it’s peace of mind. This guide walks throug...
09/11/2026

When you’re caring for a disabled child, “tax planning” isn’t just paperwork—it’s peace of mind. This guide walks through how to think about disabled dependent tax strategies in a way that helps protect eligibility and reduces the risk of costly, irreversible mistakes. With clear, expert-driven steps, you can build a long-term plan that supports both your family’s needs today and your child’s stability tomorrow. If you want clarity without confusion, this is the planning framework you’ll wish you had sooner.

https://planningfortwolifetimes.com/disabled-dependent-tax-planning/

If you’re a parent of a child with disabilities, it’s easy to assume you can’t “mess this up”—but one inheritance mistak...
09/09/2026

If you’re a parent of a child with disabilities, it’s easy to assume you can’t “mess this up”—but one inheritance mistake can threaten SSI eligibility when it matters most. In this article, we walk through a clear SSI inheritance example and explain exactly what parents risk, plus the planning steps that help protect benefits like SSI and Medicaid. You’ll feel more grounded knowing what to watch for and why the details matter, even if you’re trying to do everything right.

https://planningfortwolifetimes.com/inheritance-mistake-ssi-example/

Medicaid planning can feel overwhelming when your child’s care depends on it, and one small misstep can put eligibility ...
09/07/2026

Medicaid planning can feel overwhelming when your child’s care depends on it, and one small misstep can put eligibility at risk. In this article, we walk through 7 common Medicaid planning errors families make—so you can spot problems early and protect benefits like SSI and Medicaid. You’ll get clear, expert-driven guidance designed for real-life caregiving situations, not confusing theory. If you’re trying to build stability for the future, this is the kind of careful roadmap that brings peace of mind.

https://planningfortwolifetimes.com/top-medicaid-planning-errors/

If you’re responsible for a child with disabilities, it’s easy to think “we’ll handle planning later”—until life gets un...
09/05/2026

If you’re responsible for a child with disabilities, it’s easy to think “we’ll handle planning later”—until life gets unpredictable. This guide walks through 12 disability planning questions you can ask now, so you can protect eligibility like SSI and Medicaid, prevent avoidable mistakes, and create a clear, organized path for ongoing care. It’s the kind of steady, expert-driven checklist that helps you make confident decisions without feeling overwhelmed by the technical details. If you want peace of mind and a plan you can trust, this is a smart place to start.

https://planningfortwolifetimes.com/best-disability-planning-questions/

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437 Madison Avenue, 29th Floor
New York, NY
10022

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
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(917) 734-4748

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