“When I am gone, who will look after
my special needs child?”
Every parent in your position asks this.
Very few get a real answer.
A free 30-second check shows you 4 gaps that plans often leave open.
You are the plan.
Right now, you are the carer.
You are the money manager.
You are the one who knows what every sound means.
Every part of it lives in your head.
None of it is written down.
Which one keeps you awake?
A will answers some of this.
It stops short on the rest.
You wrote a will.
Here is what it cannot do.
Your child needs somewhere to live.
For the rest of their life.
A will can hand over your property.
It cannot keep it for them.
Whoever inherits it can sell it.
Or borrow against it.
Or lose it in a divorce.
The roof is the one thing that has to survive you.
Most parents write a will and quietly hope the other child steps up.
That child becomes the carer.
And the money manager.
And the referee.
They rarely say no.
They also rarely say how heavy it is.
There is a name for it. The glass child.
A sibling who feels invisible next to a brother or sister with high needs.
A will pays out once.
Your child needs care for decades.
One transfer, on one day.
Then nothing adjusts. Ever.
Care costs change. Health changes. Housing changes.
A single payment cannot respond to any of it.
A will only starts working after you die.
Your health may go first.
If it does, your savings pay for your own care.
Whatever you meant to leave your child
may not be there by the time you go.
The years in between are the ones nobody plans for.
The Family Treasure Fund
A single fund that holds what your child will need,
and keeps holding it after you are gone.
It can hold the home.
So your child can stay where they already live.
It pays out in stages.
Monthly, over decades. Not once, on one day.
Professionals run it.
A regulated party follows the rules you wrote. Not a relative doing their best.
It starts while you are here.
It does not wait for a funeral to begin working.
Your other child is freed.
They receive their share. They may not inherit a full-time job as well.
Legally it is a private trust, held with a licensed trust company. We call it a Family Treasure Fund because that is what it does.
An inheritance and succession specialist.
We plan how families pass on what they own.
We work with law firms, a licensed trust company, private banks and insurers.
The first session is free.
Nothing is sold in that session.
If you decide to go ahead afterwards, we set out every cost in writing first.
Alfred Toh
- 16+ years in estate planning
- Chartered Financial Consultant and Associate Estate Planning Practitioner
- Has built plans for families caring for a loved one with special needs
What closing the gaps
looks like
What your free check shows you
Which of the 4 gaps are open in your plan today
What your will already covers, and where it stops
What families in your exact position set up instead
A rough figure for how much your child’s care needs to be funded
It takes 30 seconds.
You read it on the next screen.
We only call if you book a session.
The plan you never wrote down
is still a plan.
It just leaves every decision to someone else.
On the worst week of their life.