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The Special Needs Planning Group



The Ability Private Client Group...Creators of the Bright Futures Plan. 

It is with great pleasure that we announce the creation of this brand new planning network for people with disabilities and their families.  Graeme Treeby of the Special Needs Planning Group along with Derrick Lee-Shanok and Erin Blair of the Ability Private Client Group share over 35 years of combined experience in serving the Special Needs Community and have assembled a team of leading experts that can provide you with a one stop planning experience for all your financial planning needs.

Whether it’s creating a financial and estate plan for your family or simply an update to the plans that you have already started, you can achieve a Bright Future by using the Network’s expert advice and insights. to guide you through the process of putting together all the pieces of the planning puzzle. We can help with your Wills and Henson Trusts, Life Insurance, Registered Disability Savings Plans (RDSP’s), Investments, Retirement Plans, Estate Plans, Tax Planning and Tax Returns, Disability Tax Credit Applications, ODSP Planning and Qualification, Trustee Support Services and much, much more.
To get things started, our Network partners can offer a complete life insurance review with Erin Blair or an RDSP review or set up with Derrick Lee-Shanok or we can even connect you with the PooranLaw Whole Life Planning Centre for integrated will, trust, estate and tax planning services.

If you would like to have the peace of mind that a Bright Futures Plan can provide, feel free to reach out to Graeme Treeby directly by phone at 905 640-8285 or email at You can also visit us at: or follow this link:  to our fillable Pre-Meeting Intake form.  From there, you can also book a time for an initial phone call with our Derrick Lee-Shanok.

We look forward to providing ongoing support and guidance to the Special Needs Community for years to come.

P.S. If your parent group or organization would like to host a free seminar/workshop to learn more about Henson Trusts, ODSP, RDSP’s and other essentials of planning for people with disabilities, please feel free to get in touch with us to schedule a daytime or evening session.

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As parents and family members of people with disabilities, one of our biggest concerns is what will become of them after we are gone or are no longer able to provide care and support. Will their quality of life continue or will it suffer? How can we provide the money for the things that they want and need without disqualifying them from receiving government supports? All too often, we ask the questions but no one can provide the answers. Due to this lack of understanding of the correct solutions to our concerns, Graeme Treeby founded The “Special Needs” Planning Group in 1997. The “Special Needs” Planning Group’s sole purpose is to assist families in the provision of a secure financial future for our loved ones with disabilities.


This Web site is presented to you as a resource which will provide you with some basic information necessary to the understanding and implementation of plans for the future of your family member with a disability. Please sit back and enjoy the experience. You will find many of the answers to your concerns and tips on how to create your own plans. If you have any questions or comments don't hesitate to contact us. We will be only too pleased to answer your questions and share ideas with you on how you too can achieve Peace of Mind with regard to the well being of your family member with a disability. We will even meet with you for a free session to guide you through the process of establishing your own plan. We look forward to hearing from you.




About Us

The "Special Needs" Planning Group is an organization that is made up entirely of parents of people with disabilities. We feel that this is important since we believe that no one can simply read a book and truly understand the feelings and concerns that parents have with respect to the needs of their sons or daughters with disabilities.

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People with either physical or developmental disabilities in the Province of Ontario may be eligible to receive benefits under the Ontario Disability Support Program (ODSP). The ODSP is administered by the Ministry of Community, Family and Children's Services.

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Henson Trust

What is a Trust? In simple terms, a trust is an arrangement whereby the assets of one person (the "Settlor") are transferred to another person or institution (the "Trustee") to be managed for the benefit of another person(s). A trust is not actually a separate legal entity but for the purposes of Canada Revenue Agency, it is a taxpayer and must file an annual Income Tax Return.

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Trustee Support

The Special Needs Planning Group’s Trustee Support Program specifically designed to support Trustees of Henson Trusts in their quest to enhance the quality of life of a person with adisability through the Henson Trust. We assist in providing the knowledge necessary for theTrustee to administer and manage the trust in a manner which will ensure that the purchase ofquality of life enhancements will not have a negative impact on the ODSP benefits and that to doso will not become a full time job for the Trustees.

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The RDSP is a savings plan that was introduced by the Federal Government in December 2008. The RDSP is a long term savings plan for people with severe disabilities that will help to enhance their financial well being in the future.

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Tools and Techniques

We recognize that each and every family's situation is unique. However, virtually every family can benefit from the use of these techniques. Before entering into the realm of planning for your son or daughter with a disability, you should become familiar with these tools and techniques.

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Planning Considerations

In many ways, the Special Needs community is unique. This is true not only in terms of the strength that families develop in dealing with the concerns of having a family member with a disability but also in terms of the planning issues that must be taken into account when preparing for the future.

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The Special Needs Plan

For more than two decades, we at the "Special Needs" Planning Group have assisted countless families, lawyers and planning professionals in the preparation of plans that will ensure a decent quality of life for people with disabilities.

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Other Useful Information

It seems that every time a representative of the "Special Needs" Planning Group meets with a family to share information, we learn something new. As a result, we have collected a great deal of information that is useful to families with members with a disability.

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Tax Tips

What is new for 2018? Once again, the Canada Revenue Agency has announced some changes to the income tax rules. The following changes may be of use to people with disabilities and their families.

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