Our guest shares assets to consider when financial planning for a loved one with disabilities. We learn what assets work best in short planning versus long term planning, how to ask for “free money” from our employer, taxation of investments, and some new rulings that could have significant impacts on Special Needs Trusts drafted prior to December of 2019. Disclosure: This general communication is provided for information purposes only.  It is educational in nature and not designed to be a recommendation for any specific product, strategy, plan feature or other purposes. About the Guest: Darryl Ng is a First Vice President, Portfolio Management Director and Financial Advisor of the Mountain View Group at Morgan Stanley. As a Senior Member at the Mountain View Group, Darryl heads the advanced planning activities for the team. He specializes in the creation and implementation of financial plans, portfolio management, philanthropy, insurance and estate planning for his clients throughout the United States and overseas locations. Throughout his career, Darryl has always been committed to advanced learning and continuous education. He has received a number of important industry designations including the CERTIFIED FINANCIAL PLANNER ™, CHARTERED FINANCIAL CONSULTANT ™, and CERTIFICATION IN LONG TERM CARE ™. As a CHARTERED SPECIAL NEEDS CONSULTANT®, Darryl is one of the few advanced credentialed professionals specializing in the unique considerations in planning for special needs families and caring for loved ones with disabilities. Darryl and The Mountain View Group has been recognized as leader in the financial services arena for many years through numerous local and national publications. Darryl has been featured in 2019 Forbes Magazine “Top Best In State Next Gen Wealth Advisor- California” and 2018 Forbes Magazine “America’s Top Next Gen Wealth Advisors”. In 2015-2018, Barron’s included the Group on its list of the ”Top 120 Financial Advisors in California” and “Top 1,200 Financial Advisors Nationwide”; 2016 On Wall Street Magazine “Top 40 Under 40”; 2016-2018 Financial Times “Top 400 Financial Advisors Nationwide”, and 2018-2019 Forbes Magazine “Best In State Financial Wealth Advisors Northern California”.  Related Episodes: Episode 102: Special Needs Trusts with guest Kevin Urbatsch, Director of the Academy of Special Needs Planners Episode 105: ABLE Accounts with Miranda Kennedy, Director of the Able National Resource Center Episode 106: Taxes with guest Michael C. Walther II CPA/PFS, CFP®, CFA® Episode 107: Government Benefits with guest Marlene Ulisky, Manager of Disability Benefits at the National Disability Institute. Episode 108: Disability Financial Resources with guest Penny Canada, CFP and a special needs mom. This episode is the 11th of a 12 part series focusing on special needs financial planning