Financial planning looks very different when you’re planning not just for yourself, but for a dependant with additional needs who may always need support. With over 638,000 Education, Health and Care Plans (EHCPs) in place for individuals in the UK, there is a greater need for advice than you might think. Navigating access, future needs and inheritance combined with the impact on benefits needs well considered and informed advice.

In this episode of the Transact Podcast, Chief Development Officer, Andrew Cullen-Jones, is joined by award-winning financial planner and Special Educational Needs and Disabilities (SEND) specialist, Rhiannon Gogh.

Together, they explore:

• why traditional estate planning often fails SEND families
• the issues around Junior ISAs, Child Trust Funds and access at age 18
• how EHCPs shape long-term planning
• the role of trusts in protecting benefits, care funding and independence
• how early planning can create life changing outcomes

Blending professional expertise and lived experience, this episode offers practical insights for financial advisers who are looking to make a difference.

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