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Hi, and welcome to the Longview. I'm Christine Ben's Director of Personal Finance and Retirement Planning for Morningstar.

And I'm Jeff Battack, Chief Ratings Officer for Morning Star Research Services.

Our guest on the podcast today is Cynthia Haddad, an expert on financial planning for people with disabilities and their families.

Cindy co-founded Affinia Financial Group, which was just acquired by Sequoia Financial Group.

Cindy is now senior vice president and wealth advisor for Sequoia's special needs planning practice.

She's also the co-author of the special needs planning guide, now in its second edition.

Cindy is a certified financial planner and a chartered special needs consultant.

She received her bachelor's degree in economics and finance from Simmons University.

Cindy, welcome to the Longview.

Oh, Christine, it's a pleasure to be here. Thank you for having me.

Well, we're so happy to have you here. We've wanted to cover this topic for some time.

So you have a personal interest and a personal

connection to people with special needs, as do I. Can you discuss your background there and your

interest in special needs planning? Sure. I'll be happy to. I have a brother in his 60s with

developmental disabilities. And many, many years ago, my mom and I attended a

...