1847Financial Special Needs Planning Team

1847Financial Special Needs Planning Team Special Needs Financial Planning Depending on your individual situation, discussions presented may not be appropriate.

With our collective 40+ experience we have the knowledge to help you and your family ensure you are protected, no matter where life takes you. Our team operates with optimism, patience and discipline — key ingredients to long-term success, whether for a simple strategy to start you on your path to financial freedom or for a more involved portfolio for a seasoned investor. https://pennmutual.box.co

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Disclosure:
Please note that current regulatory policy does not allow me to receive endorsements of Skills & Expertise. While I appreciate any intention of kind words and sentiment, please do not post comments relating to your opinion of me,my services or the performance of your accounts. The views expressed within this site are the views of the poster alone and do not necessarily reflect the views of Penn Mutual or HTK unless otherwise stated. Information provided is for educational purposes only and shouldn’t be viewed as a recommendation to buy or sell any particular financial product or service. Investing involves risk, including loss of value. Insurance and other financial products and services may be subject to certain terms, conditions and costs not identified within the enclosed material. Any strategies represented are not guarantees of future performance or success, and may not be appropriate for your situation. Trade execution orders will not be accepted. Also, do not post any information you do not wish to be shared with others. If you have a matter requiring immediate attention, contact me at [email protected]. Facebook is unaffiliated with Hornor, Townsend & Kent, LLC (HTK). Any recommendation posted to this page is not endorsed by, and may not represent the views of HTK nor its affiliates. This material is not intended to be a recommendation, offer or solicitation. Always consult a tax, legal, or financial professional regarding your personal circumstances. Securities & Investment Advisory Services offered through HTK. Member FINRA www.finra.org / SIPC www.sipc.org . 600 Dresher Rd., Horsham, PA 19044, USA. 800-873-7637, www.htk.com

Pat Bergmaier
07/31/2026

Pat Bergmaier

This week, 1847Financial's top financial professionals joined peers from across Penn Mutual in Nashville for the Life Sales Summit. One highlight was a breakout session led by Pat Bergmaier, CFP® ChSNC®, CFP®, ChSNC®, with 1847Financial - Conshohocken/Philadelphia, PA & Boca Raton, FL Headquarte...

A really nice, quick read on navigating the DAC benefit and Medicaid. Thank you Special Needs Navigator for another grea...
07/29/2026

A really nice, quick read on navigating the DAC benefit and Medicaid. Thank you Special Needs Navigator for another great article!

When a client has a disabled adult child, the Social Security claiming decision affects more than their retirement. Here's what to know before you finalize anything.

Planning for the future of a loved one with special needs involves many important decisions, especially for federal empl...
07/28/2026

Planning for the future of a loved one with special needs involves many important decisions, especially for federal employees navigating complex benefit programs.

This informative article explains how FERS and CSRS survivor benefits work, how they coordinate with Social Security, SSI, Medicaid, Medicare, and FEHB coverage, and what families should understand to help protect a child with a disability well into adulthood.

Whether you're planning ahead or simply looking to better understand the benefits available, this is a valuable resource for federal families and anyone interested in special needs planning.
https://www.specialneedsalliance.org/the-voice/federal-employee-survivor-benefits-for-children-with-special-needs/?fbclid=IwY2xjawTVmSJleHRuA2FlbQIxMABicmlkETFOdk1Na1lDSm1udU5vMDU5c3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHtvx2zI4Fg7Wr3TIKEAwPpZc6sZUoeYiuDmmRD6D04Vpx9c1EHRaQo57M8Um_aem_9e2yvWhyG71j-EKRkiDPZw

Originally published in May 2021, the original version of this Voice® article was written by SNA member Sandra Smith, CELA. The article was updated in 2026 with appreciation and gratitude for the original author's work, with revisions by Jenn Crane. Federal employees may be able to provide governme...

Great read that hopefully clears up some confusion!https://waypoints.substack.com?utm_source=navbar&utm_medium=webMore i...
06/23/2026

Great read that hopefully clears up some confusion!

https://waypoints.substack.com?utm_source=navbar&utm_medium=web

More info at Special Needs Navigator

Weekly planning, tips, & walkthroughs about disability planning focused on helping families and the professionals who serve them. Click to read Waypoints, a Substack publication with hundreds of subscribers.

Good read for anyone going through this. Too many family law attorneys don’t understand planning for special needs!
06/11/2026

Good read for anyone going through this. Too many family law attorneys don’t understand planning for special needs!

Originally published in July 2019, the original version of this Voice® article was written by former SNA member Lee Holmes. The article was updated in 2026 with appreciation and gratitude for the original authors’ work, with revisions by Jenn Crane. Divorce is often a particularly stressful time ...

Save the Date: Special Needs Financial Planning Webinar!April 23, 2026     6:00pmhttps://mailchi.mp/hilltopprep/save-the...
03/26/2026

Save the Date: Special Needs Financial Planning Webinar!
April 23, 2026 6:00pm

https://mailchi.mp/hilltopprep/save-the-date-free-webinar-1066?e=fae7451f74

We want to make this presentation about YOU! Please send us your questions, areas of concern, things that keep you up at night, topics that cause confusion, etc so we can get you the information you want since you are taking the time to listen in. Families with children and other dependents with spe...

Excited to be one of the most listened-to episodes this year for Penn Mutual's Life Matters Podcast! Tune in to the 12mi...
12/22/2025

Excited to be one of the most listened-to episodes this year for Penn Mutual's Life Matters Podcast! Tune in to the 12min 40s mark when you can.

Enjoy and have wonderful holiday season!

In this special year-end episode of the Life Matters Podcast, Bill Bell and co-host Jenna Washatka look back at their favorite moments of 2025, the topmost l...

Good reminder for this holiday season and for any year-end gifting your loved ones are planning to do!
12/16/2025

Good reminder for this holiday season and for any year-end gifting your loved ones are planning to do!

This issue of The Voice® was written by SNA member Emily R. Taylor of Emily Taylor Law in Phoenix, Arizona. Serving all areas of Arizona, her firm specializes in special needs planning, estate planning, and guardianship and alternatives. The holidays are a time for generosity, and many families wan...

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