SPECIAL NEEDS FINANCIAL PLANNING BUSINESS PLAN

I. Executive Summary

Company Description

Horizon Special Needs Financial was founded to signal a steady, long-view approach to protecting families with dependents who have disabilities. We operate in the U.S. wealth and financial planning sector and provide fee-only, fiduciary financial planning focused on the intersection of private wealth and government benefits. Core services include expert counsel on Special Needs Trusts, ABLE accounts, and SSI/Medicaid navigation, delivered through high-touch, personalized planning supported by proprietary technology and a curated network of legal and healthcare professionals.

We target U.S. households caring for dependents with disabilities, especially middle- and high-net-worth families who need benefit preservation plus long-term security. Short-term goals (2026–2028) are to onboard 150 client households, launch the client portal, and establish three regional referral partnerships. Long-term goals (2029–2034) are to scale to 1,200 households, maintain >65% gross margin on advisory services, and embed advanced planning tools into trusts and estate workflows. Our edge is specialized expertise, fiduciary alignment, and operational partnerships that reduce legal friction and speed plan execution.

Problem

Families who care for dependents with disabilities face a complex legal and financial landscape where ordinary asset or income moves can unintentionally disqualify the dependent from federal and state benefits such as Supplemental Security Income (SSI) and Medicaid. Overlapping federal rules and state-specific variations increase the risk of losing eligibility, triggering high out-of-pocket long-term care costs, sudden service interruptions, and housing instability.

Existing financial advisors generally lack the specialized knowledge needed to preserve benefit entitlements; as a result, families receive incorrect or incomplete guidance. There is a clear market gap: families need a dedicated, fiduciary partner that combines expertise in Special Needs Trusts, ABLE accounts, and SSI/Medicaid navigation with legal and healthcare coordination to create lifetime care plans that protect benefits. One clear need: specialized, high-touch planning that prevents benefit loss and financial collapse.

Solution

Families caring for people with disabilities face a fragmented financial and legal environment where a single titling error or improper inheritance can eliminate essential government health and income benefits. Our service fills the market gap by combining disability‑specific financial planning, benefits navigation, and legal coordination to protect benefits, fund long‑term care, and remove caregiver uncertainty.

We deliver Special Needs Trusts, ABLE account strategies, life care cost projections, benefits eligibility confirmation, proprietary financial models for disability expenses, and centralized coordination with attorneys and case managers.

Mission Statement

We empower families of individuals with disabilities by providing expert, specialized financial guidance that preserves essential government benefits and maximizes private resources. We deliver empathetic, innovative planning to create a lasting legacy of financial stability and peace of mind. We aim to be the most trusted partner in the special needs community, translating complexity into clarity for every family we serve.

Key Success Factors

These factors drive our ability to win trust, convert referrals, and sustain profitable growth in special needs financial planning.

• Deep niche expertise and specialized certifications that differentiate us from generalist financial firms.
• Proprietary financial modeling that delivers more accurate long-term projections for disability-related expenses.
• Referral partnerships with estate attorneys and non-profits providing a steady pipeline of high-quality leads.
• High-touch, dedicated advisor model that builds the deep trust needed for multi-generational planning.
• Disciplined financial management with a 6-month breakeven and sustained 60% EBITDA margins.

Financial Summary

Summary of projected revenue, profitability, and return metrics for the Special Needs Financial Planning business.

Financial requirements: maintain a minimum cash balance of $783,000 (min cash month: Jul-26); breakeven in Jun-26 (6 months); payback in 17 months. Anticipated return: project IRR 9.83% and ROE 5.23% on the current plan.

Outlook: profitable from June 2026 and scaling to $3.695 million revenue and $2.228 million EBITDA by Year 5.

Funding Requirements

The company seeks $450,000 to fund H1 2026 capital expenditures, cover working capital to reach breakeven in June 2026, and provide a safety margin while executing a plan targeting $659,000 Year 1 revenue and profitability by June 2026.