This session is designed for professionals seeking to navigate the complexities when clients wish to leave retirement benefits to individuals with disabilities while ensuring the individual’s financial well-being and eligibility for government benefits. The session covers crucial topics such as the implications of failing to plan, proper planning under the SECURE Act, taxation, and how to draft and use Special Needs Trusts as a crucial piece of the planning.  Also, we will discuss the specific rules for the Military Survivor Benefit Plan. Participants will gain valuable insights into incorporating retirement benefits into special needs planning to optimize the financial stability and quality of life of the client’s loved one with disabilities.