One of the things that really helped us was to find out about special needs trusts. It's something that an estate planning attorney can help you with, and you don't have to be wealthy for it to greatly benefit your children. Often it results in tax savings, privacy, and ease of transition for the family, as well as possibly keeping your child from being disqualified for government benefits as a result of having inherited money, propery, etc from you in their name. Of course, I'm not an attorney, and this type of setup is not for everyone, but it's a good thing to investigate further with an estate planning attorney for your family to see if it would benefit. Suze Orman has something called Protection Portfolio, and more recently, has a will and trust-making kit. However, I'm not sure if the kit covers special needs trusts, tax savings trusts, or any other more specific trusts or not.  Also SuzeOrman.com has a resource link to will and trust attorneys. — Sandra Sinclair