Safe Harbor Special Needs Planning

Safe Harbor Special Needs Planning I am Mike Moonan, founder of Safe Harbor Special Needs Planning.

We help parents of children and adults with disabilities in Humboldt, Mendocino and Sonoma counties protect SSI, Medi-Cal, and plan for lifelong care with special needs trusts, ABLE accounts, guardianship planning and government benefit strategies I am a Member of the Academy of Special Needs Planners and a Chartered Special Needs Consultant. We work exclusively with families who have loved ones w

ith a disability-helping them protect essential benefits and design plans for lifelong care and have peace of mind for the future.

Before helping with rent or gifts, review benefits first.Link in Bio“Every family is unique and everyone’s situation is ...
07/22/2026

Before helping with rent or gifts, review benefits first.

Link in Bio“Every family is unique and everyone’s situation is different. If you have questions or need answers about your family’s specific needs, please call for a free consultation.”

07/22/2026

Many parents want to leave a family home to a loved one with disabilities. But if that person gets SSI or Medi-Cal, the home can count as an asset and affect benefits.

The home can also bring ongoing costs like taxes and repairs.

Safe Harbor helps families plan home ownership so it supports your child without putting benefits or stability at risk.

Call 833-SAFE-HARB for a free consultation.

[email protected]" rel="ugc" target="_blank">https://[email protected]

07/22/2026

Many families learn this only after the fact.

When a child turns 18, benefit rules can change, parental income may no longer count, and legal authority can end quickly.

Without early planning, benefits can pause or be delayed, and parents may lose the ability to make urgent decisions.

Here's what to do next: start age-18 planning now. Check the rules early, update your plan, and protect your child's stability.

[email protected]" rel="ugc" target="_blank">https://[email protected]

Many parents are surprised by what changes at 18.Benefits, paperwork, and legal authority can shift fast. A little plann...
07/22/2026

Many parents are surprised by what changes at 18.

Benefits, paperwork, and legal authority can shift fast. A little planning before the birthday can help avoid gaps in support.

Safe Harbor can help you review what needs to be in place.

Call 833-SAFE-HARB for a free consultation.

“Every family is unique and everyone’s situation is different. If you have questions or need answers about your family’s specific needs, please call for a free consultation.” https://safeharborspecialneedsplanning.com

Many parents assume benefits and decision-making authority will continue after age 18 without extra steps.At 18, benefit...
07/21/2026

Many parents assume benefits and decision-making authority will continue after age 18 without extra steps.

At 18, benefit rules can change, parental income may no longer count, and decision-making authority can end. Without planning, that can delay benefits and disrupt support.

Here’s what to do next: confirm the rules early and make a simple plan before the birthday.

07/21/2026

This comes up more often than people expect.

Many families wait to organize important paperwork until a crisis forces their hand. It can feel easier to put it off, especially when daily life is already so full.

But waiting does not pause the rules for benefits or legal protections. That delay can quietly cost eligibility, delay services, or complicate care planning.

Starting with one clear conversation about what paperwork matters most can ease the overwhelm and set your family on a steadier path.

Call 833-SAFE-HARB for a free consultation.

Mike Moonan, CHSNC® Safe Harbor Special Needs Planning

[email protected]" rel="ugc" target="_blank">https://[email protected]

Many parents expect benefits to continue the same way when a child turns 18. But adult benefit rules often change, and o...
07/21/2026

Many parents expect benefits to continue the same way when a child turns 18. But adult benefit rules often change, and old assumptions may no longer apply.

One family we helped thought parental income would still count. When it did not, their child’s benefits were delayed. We reviewed the rules, checked what needed updating, and made a simple checklist for the transition.

Now they feel more prepared, and their child’s support continues without interruption.

Call 833-SAFE-HARB for a free consultation.

[email protected]" rel="ugc" target="_blank">https://[email protected]

This comes up more often than people expect.A will names who inherits assets, but it doesn’t cover the daily support you...
07/20/2026

This comes up more often than people expect.

A will names who inherits assets, but it doesn’t cover the daily support your loved one with disabilities will need for life. Without a full guardianship plan, the court could decide who manages care and finances, and benefits like SSI or Medi-Cal might be at risk.

A complete plan includes clear instructions, financial safeguards, and a support system tailored to your loved one’s unique needs. That way, you protect their future beyond just legal paperwork.

Start building a plan that truly protects their lifelong care.

Mike Moonan, CHSNC® Safe Harbor Special Needs Planning
Call 833-SAFE-HARB for a free consultation.

[email protected]" rel="ugc" target="_blank">https://[email protected]

07/20/2026

Many parents worry that helping with rent could affect SSI or Medi-Cal benefits.

The risk is that rent help can count as income or in-kind support, which may reduce or pause those benefits without careful planning.

At Safe Harbor, we guide families on how to provide help safely using tools like ABLE accounts and special planning strategies that protect benefits.

One family we worked with found peace of mind once they understood how to support their child’s housing needs without risking essential healthcare coverage.

Call 833-SAFE-HARB for a free consultation.

Mike Moonan, CHSNC® — Safe Harbor Special Needs Planning

[email protected]" rel="ugc" target="_blank">https://[email protected]

Families helping with rent or gifts should review benefits first. Cash gifts can affect SSI or Medi-Cal. A special needs...
07/19/2026

Families helping with rent or gifts should review benefits first. Cash gifts can affect SSI or Medi-Cal. A special needs trust or ABLE account may be a safer way to help.

“Every family is unique and everyone’s situation is different. If you have questions or need answers about your family’s specific needs, please call for a free consultation.” https://safeharborspecialneedsplanning.com

Address

3558 Round Barn Boulevard
Santa Rosa, CA
95403

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 1pm

Website

Alerts

Be the first to know and let us send you an email when Safe Harbor Special Needs Planning posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category