For financial advisors, special needs attorneys, and their staff
Your client needs disability planning expertise. Sage gives you a structured starting point.
The research burden is real. SSI interaction rules, Medicaid waiver pathways, DAC eligibility, trust structure risks - each question leads to three more. Special Needs Navigator™ is the research layer that changes that math.
The actual cost of complexity
The problem isn't that you don't know enough. It's that finding out takes too long.
A client walks in with an adult child who has Down syndrome, a $60,000 inheritance, and an SSI benefit at risk. You know the broad strokes - but to give that family sound guidance, you need to work through the SSI resource rules, the trust structuring question, the Medicaid pathway question, and the ABLE account interaction. That's two to three hours of research before you've written a single recommendation.
Most advisors price that time into the fee, refer the client out, or quietly decline the case. None of those outcomes serves the family.
Benefit interaction analysis
SSI, DAC, Medicaid waiver, ABLE, and SNT rules — including how they interact across benefit types and state lines.
Proactive risk flags
Sage surfaces issues you didn't ask about — DAC eligibility checks, Medicaid pathway assumptions, trust structure risks.
Session summary export
Every session produces a downloadable .docx summary — structured for your file or your client's next appointment.
Escalation awareness
Sage knows when to stop. SSA appeals, ALJ hearings, complex trust administration — Sage flags the edge and names who to call.
Built on real-world experience
Special Needs Navigator™ was built by someone who's done this work.
Eric Jorgensen is a CFP® and the father of a son with an intellectual disability. He spent more than a decade navigating SSI, Medicaid waivers, DAC benefits, and special needs trust planning — first as a caregiver, then as a planning professional. Special Needs Navigator™ is built on that knowledge base, not a generic AI prompt.
You're the advisor. The platform gives you the research.
What Professional Mode does
The research layer. Not a replacement for your judgment - what makes it possible.
Sage is a planning research assistant. These three things are true and worth knowing before you use it professionally.
Benefits analysis that goes deep
SSI, DAC, Medicaid waivers, ABLE accounts, special needs trusts — including how they interact across benefit types and state lines.
The right questions before the conclusions
Professional Mode uses a Socratic method. The AI assistant inside Special Needs Navigator™ asks the questions that clarify the case before drawing conclusions — including issues you didn't ask about but need to know.
Current program data, not yesterday's
Web search is enabled. Special Needs Navigator™ can pull current SSA figures, CMS guidance, and state-specific program data in real time.
Four session tracks
Choose the track that fits the case: High School Transition, Military Family, Full Planning Review, or Specific Question / Returning Client.
A document you can actually use
Every session closes with a downloadable .docx — case overview, key concerns, risks identified, planning considerations, and recommended next steps. A disclaimer footer on every page confirms this is educational information and that you make all recommendations.
How it works
Start with what's in front of you.
Step 1 - Choose your approach: Professional Mode opens with a choice: guided reasoning through a Socratic method, or direct answers. Either way, Special Needs Navigator™ assumes you already know the terminology and gets to the case question faster.
Step 2 - Work through the case: Give Special Needs Navigator™ the client situation and your question. It works through the relevant benefit rules, interaction risks, and planning sequence — including things that are easy to miss in a first client meeting. Web search is enabled; current SSA and CMS guidance is available in real time.
Step 3 - Download the session summary: A full .docx export — formatted for your file, shareable with the client, or usable as a structured briefing before you engage an outside specialist. A disclaimer footer on every page confirms that you make all recommendations.
What changes: You take the case. You give the family a sound starting point. You charge a fair fee - because you're not spending three hours on research before you write a single recommendation.
What to know before you use it professionally
Special Needs Navigator™ is a research assistant. Here's what that means.
Item 1: Special Needs Navigator™ is an educational planning tool - not a licensed financial advisor or attorney. It helps you work through complex benefit questions with structured, sourced guidance. You make the recommendations.
Item 2: There's no persistent client file. Each case runs independently. Session summaries are yours to retain - Special Needs Navigator™ does not store client information between sessions.
Item 3: The platform flags what it doesn't know. When a question exceeds its reliable scope - SSA appeals, ALJ hearings, complex trust administration - it says so and identifies the appropriate next step.
Pricing
Professional Mode
Option 1 — Per case
$34.99
No subscription. No client minimum. Pay for the case in front of you.
Option 2 — Monthly unlimited
$149/month
Unlimited cases, no caps.
Questions about Professional Mode or partnership inquiries — eric@specialneedsnavigator.us