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<p class="MsoNormal"><span style="font-size:14.0pt">Kira,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">I don’t think investment types should change significantly based on the needs of a beneficiary but the trust administration language of course is crucial. There should be very specific SN language, no payout
age (like many trusts), don’t use UTMA, no powers of appointment, etc.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">In addition, I would just add to consider an ABLE account if the facts are such that this is a viable option – ABLE accounts are limited in contribution amount and total holding amount but the investments
do grow tax free.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">Good Luck,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><i><span style="font-family:"Script MT Bold"">Diane J. Kiepe<o:p></o:p></span></i></p>
<p class="MsoNormal"><i><span style="font-family:"Script MT Bold""><o:p> </o:p></span></i></p>
<p class="MsoNormal">Diane J. Kiepe<o:p></o:p></p>
<p class="MsoNormal">Douglas Eden<o:p></o:p></p>
<p class="MsoNormal">717 W. Sprague Ave.<o:p></o:p></p>
<p class="MsoNormal">Suite 1500<o:p></o:p></p>
<p class="MsoNormal">Spokane, WA 99201<o:p></o:p></p>
<p class="MsoNormal"><a href="mailto:djkiepe@depdslaw.com"><span style="color:#0563C1">djkiepe@depdslaw.com</span></a><o:p></o:p></p>
<p class="MsoNormal">509-455-5300<o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><b>From:</b> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Kira Rubel<br>
<b>Sent:</b> Thursday, April 9, 2020 8:33 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBAPT] Special Needs resources<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">Good morning, list! I am inquiring for a client who has a special needs daughter. Does anyone have any great suggestions on investment vehicles for special needs kids? <o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">Thanks! <br clear="all">
<o:p></o:p></p>
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<p><i><span style="font-size:13.5pt;font-family:"Cambria",serif">Kira M. Rubel</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p></o:p></span></p>
<p style="background-image:initial;background-position:initial;background-repeat:initial">
<i><span style="font-size:10.0pt;font-family:"Cambria",serif">*Licensed in CA and WA</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p></o:p></span></p>
<p style="background-image:initial;background-position:initial;background-repeat:initial">
<b><span style="font-size:12.0pt;font-family:"Cambria",serif">The Harbor Law Group (</span></b><i><span style="font-size:12.0pt;font-family:"Cambria",serif">formerly, Law Office of Kira M. Rubel</span></i><b><span style="font-size:12.0pt;font-family:"Cambria",serif">)</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p></o:p></span></p>
<p style="margin:0in;margin-bottom:.0001pt;background-image:initial;background-position:initial;background-repeat:initial">
<b><span style="font-size:10.0pt;font-family:"Garamond",serif">3615 Harborview Drive NW, Suite C (on the dock)</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p></o:p></span></p>
<p style="margin:0in;margin-bottom:.0001pt"><b><span style="font-size:10.0pt;font-family:"Garamond",serif">Gig Harbor, WA 98332-2129</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif"> </span><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p></o:p></span></p>
<p style="margin:0in;margin-bottom:.0001pt;background-image:initial;background-position:initial;background-repeat:initial">
<span style="font-size:10.0pt;font-family:"Garamond",serif">Tel. (253) 251-2955 | (800) 836-6531</span><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p></o:p></span></p>
<p style="margin:0in;margin-bottom:.0001pt;background-image:initial;background-position:initial;background-repeat:initial">
<span style="font-size:10.0pt;font-family:"Garamond",serif">Fax. (206) 238-1694</span><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p></o:p></span></p>
<p style="margin:0in;margin-bottom:.0001pt;background-image:initial;background-position:initial;background-repeat:initial">
<span style="font-size:10.0pt;font-family:"Garamond",serif">Zoom ID. (253) 251-2977</span><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p></o:p></span></p>
<p style="margin:0in;margin-bottom:.0001pt;background-image:initial;background-position:initial;background-repeat:initial">
<span style="font-size:10.0pt;font-family:"Garamond",serif"><a href="http://www.theharborlawgroup.com" target="_blank">www.theharborlawgroup.com</a></span><o:p></o:p></p>
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