Special Needs Planning · Texas
Special needs financial planning in Texas
Texas families find us the way most people do now: searching for someone who actually specializes in this. We're registered in Texas and do the work over video, from Houston to the Panhandle.
The rules that matter most to Texas special-needs families are federal: SSI's $2,000 resource limit, the ABLE account's $100,000 SSI exemption, and the 2026 expansion that moved ABLE eligibility to disabilities beginning before age 46. That last change alone brought a lot of Texas veterans into eligibility this year.
Our work with Texas families covers the usual campaign: account titling before 18, the ABLE-versus-trust division of labor, life insurance that funds the plan, and coordination with Texas attorneys for the documents.
Texas's ABLE program: Texas ABLE
The Texas ABLE Program is run by the state comptroller's office with a clean investment menu. Texas has no state income tax, so program choice is a pure fees-and-features comparison, and Texas ABLE holds its own in that lineup.
Written by Colin Meeks, CFP® · Registered to serve Texas residents · Last updated August 6, 2026
The guides Texas families use most
ABLE Accounts→
The $2,000 SSI resource limit puts families in a straitjacket: help your adult child save, and you can cost them their benefits. ABLE accounts exist to cut that knot.
Special Needs Trusts→
A trust is how grandparents leave an inheritance, how life insurance pays out, and how larger money supports your child for decades, all without touching benefit eligibility. It's also the document most families get drafted and then never actually fund.
Turning 18→
Nothing about your child changes on their 18th birthday. Everything about the rules does. Families who start at 16 or 17 walk through this calmly. Families who start at 18 spend a year untangling.
Common questions from Texas families
Because special needs planning is a specialty, and most advisors don't have it. Families tell us they'd rather have the right specialist on a screen than a generalist across a desk. We're registered in Texas, and the planning itself is federal-first anyway.
The first call works the same from Texas.
Fifteen minutes, complimentary, over video or phone. Tell us your situation and we'll tell you honestly whether we can help.
Prefer the phone? Call 410-663-0700 and ask for Colin.