Michael Ringel, CPA, RICP - Strategies for Wealth

Michael Ringel, CPA, RICP - Strategies for Wealth Empowering Families to Experience Purpose, Freedom and Abundance. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS).

OSJ: 437 Madison Ave, 29th Floor, New York, NY 10022, ph #212.701.7900. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Strategies of Wealth is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #4204165

This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof. CPA is not practicing for Guardian or any subsidiaries or affiliates thereof.
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If you’re caring for a child with special needs, it’s normal to wonder whether child support payments could affect Medic...
09/15/2026

If you’re caring for a child with special needs, it’s normal to wonder whether child support payments could affect Medicaid eligibility—and the answer isn’t always as simple as people assume. In our latest article, we break down how eligibility rules can be applied in real life, so you can avoid costly misunderstandings and protect your child’s access to essential care. With steady, expert guidance, we help you connect the dots between income, benefits, and long-term planning—without adding more stress than necessary.

https://planningfortwolifetimes.com/does-child-support-impact-medicaid/

Worried your retirement account could accidentally reduce your child’s SSI eligibility? This article breaks down how ret...
09/13/2026

Worried your retirement account could accidentally reduce your child’s SSI eligibility? This article breaks down how retirement accounts can—and sometimes can’t—impact SSI rules, so you’re not left guessing or relying on conflicting advice. It also explains what families should understand early to protect essential benefits like SSI and Medicaid without derailing your long-term security. If you’re carrying the weight of future care, this clear, expert-driven guide is exactly the reassurance you need.

https://planningfortwolifetimes.com/can-retirement-accounts-hurt-ssi/

When you’re caring for a disabled child, “tax planning” isn’t just paperwork—it’s peace of mind. This guide walks throug...
09/11/2026

When you’re caring for a disabled child, “tax planning” isn’t just paperwork—it’s peace of mind. This guide walks through how to think about disabled dependent tax strategies in a way that helps protect eligibility and reduces the risk of costly, irreversible mistakes. With clear, expert-driven steps, you can build a long-term plan that supports both your family’s needs today and your child’s stability tomorrow. If you want clarity without confusion, this is the planning framework you’ll wish you had sooner.

https://planningfortwolifetimes.com/disabled-dependent-tax-planning/

If you’re a parent of a child with disabilities, it’s easy to assume you can’t “mess this up”—but one inheritance mistak...
09/09/2026

If you’re a parent of a child with disabilities, it’s easy to assume you can’t “mess this up”—but one inheritance mistake can threaten SSI eligibility when it matters most. In this article, we walk through a clear SSI inheritance example and explain exactly what parents risk, plus the planning steps that help protect benefits like SSI and Medicaid. You’ll feel more grounded knowing what to watch for and why the details matter, even if you’re trying to do everything right.

https://planningfortwolifetimes.com/inheritance-mistake-ssi-example/

Medicaid planning can feel overwhelming when your child’s care depends on it, and one small misstep can put eligibility ...
09/07/2026

Medicaid planning can feel overwhelming when your child’s care depends on it, and one small misstep can put eligibility at risk. In this article, we walk through 7 common Medicaid planning errors families make—so you can spot problems early and protect benefits like SSI and Medicaid. You’ll get clear, expert-driven guidance designed for real-life caregiving situations, not confusing theory. If you’re trying to build stability for the future, this is the kind of careful roadmap that brings peace of mind.

https://planningfortwolifetimes.com/top-medicaid-planning-errors/

If you’re responsible for a child with disabilities, it’s easy to think “we’ll handle planning later”—until life gets un...
09/05/2026

If you’re responsible for a child with disabilities, it’s easy to think “we’ll handle planning later”—until life gets unpredictable. This guide walks through 12 disability planning questions you can ask now, so you can protect eligibility like SSI and Medicaid, prevent avoidable mistakes, and create a clear, organized path for ongoing care. It’s the kind of steady, expert-driven checklist that helps you make confident decisions without feeling overwhelmed by the technical details. If you want peace of mind and a plan you can trust, this is a smart place to start.

https://planningfortwolifetimes.com/best-disability-planning-questions/

Planning for a child with special needs isn’t just numbers—it’s peace of mind. This guide breaks down the retirement dec...
09/03/2026

Planning for a child with special needs isn’t just numbers—it’s peace of mind. This guide breaks down the retirement decisions that can protect long-term care while helping safeguard eligibility for benefits like SSI and Medicaid. If you’ve been trying to sort through conflicting advice, it lays out a clear, step-by-step path so you’re not forced to improvise later. Take a steady look at what you can put in place now to reduce worry and protect your child’s quality of life.

https://planningfortwolifetimes.com/guide-special-needs-retirement-planning/

If you’re raising a child with special needs and relying on a sibling to help carry the load someday, it’s normal to fee...
09/01/2026

If you’re raising a child with special needs and relying on a sibling to help carry the load someday, it’s normal to feel protective—and a little unsure. This article breaks down how to prepare sibling caregivers with confidence, covering the practical steps that reduce confusion and the emotional support that keeps everyone steady. You’ll learn how to create clear responsibilities and safeguard your child’s future, including the benefits that matter most like SSI and Medicaid. Because peace of mind comes from a plan you can trust, not hope you’re “figuring it out later.”

https://planningfortwolifetimes.com/how-to-prepare-sibling-caregivers/

Planning for caregiver successor roles isn’t just paperwork—it’s protecting your child’s stability when you’re no longer...
08/30/2026

Planning for caregiver successor roles isn’t just paperwork—it’s protecting your child’s stability when you’re no longer able to manage everything. This guide walks you through how to choose successors thoughtfully, define responsibilities clearly, and prevent the kind of gaps that can disrupt care or jeopardize benefits like SSI and Medicaid. If you’ve felt overwhelmed by conflicting advice or “we’ll deal with it later,” this will give you a steadier, more organized way forward.

https://planningfortwolifetimes.com/how-to-plan-caregiver-successor-roles/

If you’re a US parent caring for a child with special needs, the stakes feel personal—and the rules around benefits can ...
08/28/2026

If you’re a US parent caring for a child with special needs, the stakes feel personal—and the rules around benefits can be overwhelming. A Special Needs Trust can be a powerful tool to help protect eligibility for SSI and Medicaid while creating a clear plan for your child’s future. This guide walks through the essentials with steady, expert clarity so you can make confident decisions instead of guessing. It’s the kind of structure that brings peace of mind and protects the care your child deserves.

https://planningfortwolifetimes.com/special-needs-trust-guide-us-parents/

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