Ms. Sothern has about $16,000 in a 403b tax-advantaged retirement account offered through her employer, but she stopped contributing to it in 2013. Mr. Sothern should open a 403b account through his employer, Mr. Hook says, and Ms. Sothern should resume contributing to hers. “A regular diploma is always the preferred option,” says Mr. Hook, but there are some big financial advantages to earning a special-education diploma. Mr. and Ms. Sothern need to set up a special-needs trust, and any inheritance or life-insurance payout should be placed in it, Mr. Hook says. The couple also may want to consider buying additional life insurance to help support Tre after they pass, Mr. Hook says.

Source: Wall Street Journal September 11, 2017 02:03 UTC