Planning that has to work in a room you’re not in.
Insurance planning for families raising a child with long-term support needs, households caring in two directions at once, and business owners with people depending on them.
I’m Michael, a father of two. My oldest is on the autism spectrum. I plan for families and business owners who carry the same kind of weight.
Review looks like
Free, a few minutes, results on screen. No meeting required.
- LicensedLife & Health Insurance, Florida and additional states
- MBAMaster of Business Administration
- CEPA®Certified Exit Planning Advisor
- FounderThe Autism Voyage® and Summa Planning Group
Who we serve
Families raising a child with long-term support needs
Parents planning for a child who will need support long after they’re gone, and for whoever carries it next.
Sandwich-generation
households
Caring for aging parents and children at the same time, while still planning for your own retirement and your own care.
Business owners
and executives
C-level professionals and owners with employees and payroll depending on them, and a business that has to keep running whether or not they can.
About Michael
I spent more than a decade in Corporate America. When my son was diagnosed with autism, the questions I was asking about my own family changed, and so did the work I wanted to do.
Today I help families and business owners plan for the responsibilities they carry (protection, income and continuity) so those responsibilities can be met even if they are no longer able to meet them personally.
I hold an MBA and the CEPA® designation, and I write about this work at The Autism Voyage®.
Published & featured in
The Responsibility Review™
A review-first conversation. We look at what you already have before anyone talks about what you might need. It is not a sales meeting, and not everyone leaves with a recommendation.
What you carry
Who and what depends on you today, and what prompted you to look at this now.
What you already have
Documents, coverage, benefits, accounts and the professionals already involved.
Where the gaps are
What is missing, what is uncoordinated, and what is worth doing next, in order.
Finding the risk is not the same as deciding what to do about it. That part is yours.
Do you want to transfer this risk, or keep it? And if you keep it, could your family carry it without you?
Risks we usually find
The pieces exist. They just were never put together.
- Outdated beneficiary designations
- Coverage that only pays at death
- No coverage outside of work
- Trust created, never funded
- No buy-sell agreement
- No one named to step in
Free, a few minutes, results on screen. No meeting required.
What we do
We never start with a product. We start with what you are responsible for, and which of those risks should be reduced, retained, self-funded or transferred.
Income Protection
Protecting the income everything else depends on, with coverage you can access while you are still living.
Extended Care Planning
Planning for the care you may need yourself, so it does not quietly become someone else’s responsibility.
Trust Funding Strategies
Using life insurance to fund a special needs trust, so support continues when parents are no longer able to provide it.
Business Continuity Planning
Key-person exposure, buy-sell funding and succession, so ownership ends up where you intended it to.
Coordinated Planning
Working alongside your attorney, CPA and other professionals so the pieces already in place actually work together.
Summa Planning Group is an insurance planning practice. Michael is licensed for Life & Health Insurance and is not a Certified Financial Planner (CFP®), Registered Investment Adviser (RIA), or fiduciary investment adviser, and does not provide securities, investment, or financial planning advice.
What families say
Reviews from parents and professionals in The Autism Voyage® community.
As a parent of a daughter with special needs, it is hard enough to navigate through many challenges (medical, educational, emotional), always worrying about the future. It is refreshing to have a guide to plan for our financial wellbeing!
They have been a huge support for our family. My niece has autism, and their team made us feel understood, offering practical advice that has truly made a difference.
This handout does a good job explaining what parents of children with additional needs should consider in terms of financial planning over the lifespan to greatly benefit the family.
The Responsibility Readiness Assessment™
A few questions about who depends on you and what is already in place. You get your results immediately: where you are prepared, and where the gaps are. It is free, and no meeting is required.
Take the assessment