Philip Renaud in the Globe and Mail

Philip Renaud weighed in on why retirement planning is much more complicated for couples who have a child with a developmental disability in the Globe and Mail article "Parents of a Disabled Child have to save for Three."

Parents who have children with disabilities often depend on siblings or other family members to look after their child after they die. They also need to factor other children without disabilities into their estate planning. For estate planning, Phil urges parents to make it clear who will make decisions for their disabled child when they pass away. In most cases it will be the capable children, or close relatives, but Phil says it needs to be made clear in the estate plan.

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