This includes a discussion of their overall risk management program -- Life, Disability, Long Term Care and Liability -- to make sure the plans are adequate and cost effective.b.Considers the overall investment portfolio to make sure investment selection and diversification are managed appropriately.c.Reviews the overall tax sensitivity of these investments.3.Plans the Distribution of Wealth during Life in the Most Advantageous Waya.Considers the IRA and qualified retirement plan distribution plan; not as an accountant, but using a tax expert as appropriate.b.Assesses who serves as their durable power of attorney or successor trustee of a revocable living trust in case of an incapacity - again using the appropriate advice from a CPA and legal counselors.c.Considers ways to distribute wealth to children and descendants for well-being, education and other purposes and doing so in the most tax-efficient method.d.Reviews charitable giving for both tax savings and control issues. 4.

There are lots of things to consider (are they seniors, is it anybody's primary residence, are any of their adult children disabled, etc).

Disabling chat was necessary to mitigate some of our load issues on the platform.  

Finally, this brings me to my questions/discussions:What has caused the biggest changes in your life that is now part of your daily routine?

Unfortunately, Emotional support animals do not need a specific training to qualify as a ESA.This is completely different from a service animal that are train to help with a specific disability as @Scott Mac mentioned. 

The buyer is in her late 50s, permanently disabled, and relies on Social Security for her monthly income.

Even if $3000 bills are infrequent, if you have enough properties, they're routine.

I know plenty of people who find comfort in the cube, the daily routine, and the grind.

Anyone use his special needs system for disabled people with success?

@Gary Clisele investing out of state as everyone else has stated is difficult unless you plan to make trips out to the areas your targeting on a very routine basis, as in every month or more.