Michael Ringel, CPA, RICP - Strategies for Wealth

Michael Ringel, CPA, RICP - Strategies for Wealth Empowering Families to Experience Purpose, Freedom and Abundance. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS).

OSJ: 437 Madison Ave, 29th Floor, New York, NY 10022, ph #212.701.7900. 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 #42

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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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If you’re a US parent caring for a child with special needs, the stakes feel personal—and the rules around benefits can ...
08/28/2026

If you’re a US parent caring for a child with special needs, the stakes feel personal—and the rules around benefits can be overwhelming. A Special Needs Trust can be a powerful tool to help protect eligibility for SSI and Medicaid while creating a clear plan for your child’s future. This guide walks through the essentials with steady, expert clarity so you can make confident decisions instead of guessing. It’s the kind of structure that brings peace of mind and protects the care your child deserves.

https://planningfortwolifetimes.com/special-needs-trust-guide-us-parents/

Caring for a child with special needs is a lot—financial planning shouldn’t add more uncertainty. This dependent care fi...
08/26/2026

Caring for a child with special needs is a lot—financial planning shouldn’t add more uncertainty. This dependent care financial guide breaks down the moving parts in plain language, so you can organize support, protect eligibility for essential benefits like SSI and Medicaid, and avoid costly, irreversible mistakes. If you’re juggling work, appointments, and caregiving, this kind of clear structure can bring real peace of mind for the future—when you’re no longer able to do it all alone.

https://planningfortwolifetimes.com/dependent-care-financial-guide-families/

If your child receives SSI, it’s normal to worry about what happens to benefits when parents hold or manage the money be...
08/24/2026

If your child receives SSI, it’s normal to worry about what happens to benefits when parents hold or manage the money behind the scenes. The article breaks down when and how parents can manage SSI assets, what rules really matter, and how to avoid the mistakes that can put eligibility at risk. With the right structure, you can protect your child’s care and keep SSI/Medicaid working the way it’s meant to—without guesswork. This is the clarity you need to plan with confidence, not fear.

https://planningfortwolifetimes.com/can-parents-manage-ssi-assets/

If you’re raising a child with a disability, the question of “what happens next” can feel heavy—especially when benefits...
08/22/2026

If you’re raising a child with a disability, the question of “what happens next” can feel heavy—especially when benefits like SSI and Medicaid are on the line. This guide breaks down survivor benefits for disability dependents in clear, practical terms, so you can understand what may be available and how to protect eligibility without guessing or second-guessing. With steady, expert-driven guidance, it helps you turn uncertainty into a plan that supports your child’s stability and your family’s peace of mind. That clarity is exactly why parents rely on this kind of planning before it’s suddenly too late.

https://planningfortwolifetimes.com/guide-survivor-benefits-disability-dependents/

When you’re caring for a child with special needs, Medicaid waiver planning can feel overwhelming—especially when it’s u...
08/20/2026

When you’re caring for a child with special needs, Medicaid waiver planning can feel overwhelming—especially when it’s unclear what to do first. This article breaks down 9 practical tips to help families avoid common missteps and protect eligibility for essential benefits like Medicaid and SSI, without losing sight of what matters most: your child’s future care. With clear, expert-driven guidance, you’ll feel more prepared for the decisions ahead and less anxious about what happens when you can’t do everything yourself. Take a steady look at the process and turn uncertainty into a plan you can trust.

https://planningfortwolifetimes.com/medicaid-waiver-planning-tips/

Thinking about Medicaid planning for a child with special needs can feel overwhelming—especially when you’re doing every...
08/18/2026

Thinking about Medicaid planning for a child with special needs can feel overwhelming—especially when you’re doing everything you can day to day. This guide breaks down practical ways to protect Medicaid assets without guessing, so you can better safeguard eligibility for benefits your child may rely on like SSI and Medicaid. You’ll get clear, expert-driven steps that reduce the risk of costly mistakes and bring real peace of mind to your family’s future. If you’ve been putting it off because it’s too complex, this makes the path feel understandable and steady.

https://planningfortwolifetimes.com/how-to-protect-medicaid-assets/

If you’re caring for a child with special needs, SSI asset rules can feel like a maze—one wrong move can put essential b...
08/16/2026

If you’re caring for a child with special needs, SSI asset rules can feel like a maze—one wrong move can put essential benefits at risk. In this article, we break down how SSI counts assets, what families should watch for, and how to plan with clarity instead of guesswork. It’s written for real life: the appointments, the paperwork, and the heavy responsibility that doesn’t pause. If you want dependable guidance that protects your child’s future, this is the article to ground your plan in.

https://planningfortwolifetimes.com/ssi-asset-rules-explained/

Naming successor caregivers shouldn’t feel scary or overwhelming—it’s one of the most loving, protective steps you can t...
08/14/2026

Naming successor caregivers shouldn’t feel scary or overwhelming—it’s one of the most loving, protective steps you can take for your child’s future. In this article, you’ll learn how to approach the decision with confidence, balancing emotional comfort with the practical details that keep care consistent and benefits protected. If you’re carrying everything today and worry about what happens tomorrow, this is a clear, expert-driven guide to help you get it right.

https://planningfortwolifetimes.com/how-to-name-successor-caregivers/

Should grandparents name a disabled grandchild directly? It’s a question with real emotional weight and real technical c...
08/12/2026

Should grandparents name a disabled grandchild directly? It’s a question with real emotional weight and real technical consequences—especially when benefits like SSI and Medicaid are involved. In this article, we break down when a direct designation can help, when it can backfire, and how to think through caregiver intentions with protection in mind. If you’re planning for your child’s future and want clarity you can trust, this is the piece that makes the decisions feel manageable.

https://planningfortwolifetimes.com/should-grandparents-name-disabled-grandchild-directly/

Building a care team for a special needs child isn’t just paperwork—it’s a way to protect their stability when life gets...
08/10/2026

Building a care team for a special needs child isn’t just paperwork—it’s a way to protect their stability when life gets complicated. This guide walks you through how to assemble the right people, coordinate services, and plan with confidence so you’re not trying to figure it out in crisis mode. You’ll also learn how to think clearly about essential benefits like SSI and Medicaid so eligibility doesn’t become an afterthought. If you’re carrying the responsibility alone, this is the structured, expert-driven roadmap your family deserves.

https://planningfortwolifetimes.com/how-to-build-a-care-team-special-needs-child/

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