E5 – Lifetime Planning For Your Special Needs Loved One

Financial planning can be complex, but when a family has a loved one with special needs it can be even
more complicated. The special needs financial planner requires additional skills, knowledge, and
empathy to advise families that include a loved one with special needs. The special needs planner also
needs to understand the planning challenges special needs families encounter at each life stage of their
loved one. This session covers the planning strategies for parents at these life stages while planning for
the lifetime needs of their loved one with special needs. Two key questions will be addressed: 1) How
much money will be needed at the various stages of my loved one’s lifetime and 2) What risk
management strategies can be implemented to protect my special needs loved one’s financial position
while also filling in gaps in his or her funding resources.


Kerrie Lloyd, ChSNCA®

Kerrie Lloyd, ChSNCA®

Prudent Investors

Kerrie is a Vice President for Prudent Investors as well as a Family Fiduciary and Chartered Special Needs Consultant (ChSNC®).  She provides financial solutions including long term accumulation, asset management, risk management, asset protection, and de-cumulation strategies for fiduciaries and investors.  Prior to joining Prudent Investors, Kerrie was a Financial Advisor at Merrill Lynch.  She has also held leadership positions with the most esteemed names in the financial services industry including State Street, Bank of New York Mellon, J.P. Morgan/Chase, and Wells Fargo.  Today, Kerrie works with Prudent Investors who acts as a sub-advisor for fiduciaries, families impacted by disabilities, and the institutions who serve them.  Ms. Lloyd has also worked with institutional fiduciaries who manage and sponsor a pooled funds where she was also a registered lobbyist with the State of California. 

In addition to her financial services career, Ms. Lloyd is the founder and CEO of Integrative Solution Services LLC, where she provides information and digital collaboration tools to the disabilities community.  She has a beautiful son, Adam, who has autism and was born deaf in 2004.  As a result of that, she shifted her career interests to include the special needs community.  She was on the Board of Directors for the California State Council for Developmental Disabilities and Kerrie is also a Past President and Board Member of the Los Angeles Chapter of the Western Pension & Benefits Conference.  Kerrie also participates in industry conferences and symposiums throughout the United States. 

In addition, Ms. Lloyd maintains her NASAA Series 66 license and previously maintained her FINRA Series 7 license, and her Life, Variable, Health & Accident insurance contracts license with the California Department of Insurance (license #0N08518). Kerrie is a Doctor of Natural Health, NhD, and she is certified in Pivotal Response Therapy for Autism through the Koegel Autism Center at Stanford University. Ms. Lloyd is also a Self Determination Independent Facilitator through her completion of the California State Council of Developmental Disabilities (www.scdd.ca.gov) webinar series.