About Us

Special Journey Solutions: Pioneering Special Needs Planning Since 1978

What sets Special Journey Solutions apart is our profoundly personal approach. Every strategy and plan we develop is seen through the lens of a special care parent, ensuring that our clients receive the highest level of professional advice and a compassionate understanding of their unique situations.

Founded in 1978, Special Journey Solutions has been at the forefront of specialized financial planning and support for families with special needs individuals. Our journey began with a personal commitment: as a father of a child with special needs, our founder understood the unique challenges and intricacies involved in planning for the future of a loved one with special needs. This intimate understanding and empathy have been the driving force behind our tailored services.

For over four decades, we have provided experienced guidance in navigating complex processes, such as accessing valuable benefits and services without compromising future security. Our expertise spans a broad range of areas, including:

  • Waiver Programs
  • ABLE Accounts
  • Financial Planning
  • Medicare
  • Government Benefits
  • Medicaid
  • Estate Distribution
  • Elder Care Planning
  • Special Needs Trusts
  • Comprehensive Special Needs Planning

Our Mission

Special Journey Solutions is dedicated to offering more than just services; we provide heartfelt understanding and decades of experience to ensure every family feels truly seen and supported in their unique journey. Founded by Bruce Sham, a parent of a special needs child, our mission is to deliver personalized solutions that stem from deep personal insight, aiming to provide peace of mind for every family we work with, today and always.

Meet Bruce H. Sham, CLF: The Founder and A Dedicated Advanced Special Care Planner

Bruce H. Sham, with over 40 years of experience, is a luminary in the field of financial services for families with special needs children. His deep commitment is rooted in a mission to guide families through the complexities of securing valuable resources and government benefits for their children. Recognized for his exemplary service, Bruce’s accolades include the Montgomery County MHMR Advocacy Award and the Timothy C. Flanagan, CLU, ChFC Stewardship Award, among others.

His dedication extends beyond financial planning; he has sponsored thousands of children and organizations in special needs awareness initiatives and actively serves on advisory boards for several nonprofits and institutions. A respected speaker, Bruce has shared his insights at prestigious forums, including the World Congress for Individuals with Disabilities and various educational and research institutions.

Together with his wife, Hilde, Bruce founded the Amanda Sham Resource Center for Children with Special Needs, a testament to their commitment to making a difference in the lives of special needs children and their families. This center stands as an epitome of hope and support, embodying Bruce’s lifelong dedication to advocacy and service in the special needs community.

Our Process: Tailored to Your Unique Journey

Special Journey Solutions offers a personalized, five-step process to cater to the unique financial planning needs of families with special needs members.

Step 1

Fact Finding & Discovery Meeting

This initial meeting is about understanding your financial situation, including assets, debts, and engagement with government benefits. We also examine legal tools like wills and special needs trusts.

Step 1
Step 2

Data Verification & Legal Document Review

We meticulously verify your financial data and review critical legal documents to ensure accuracy and alignment with your intentions.

Step 2
Step 3

Plan Review Meeting

We present a detailed plan tailored to your needs, engaging in interactive discussions for refinement based on your feedback.
Step 3
Step 4

Implementation Meeting

After finalizing the plan, we oversee the execution of all recommendations and facilitate any necessary legal documentation, working in conjunction with your legal advisors.
Step 4
Step 5

Monitor & Review

Our commitment continues with ongoing support, including regular reviews and adjustments to adapt to any changes in your circumstances.
Step 5

Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.

View Our Services

Start Your Special Journey with Us

Embarking on an extraordinary journey often begins with getting to know the guiding team. As you navigate the complexities of planning for a loved one with special needs, remember that you’re not alone. Our dedicated professionals are here to ensure that every step is carefully planned and tailored to your family’s needs.

Let’s craft a path together that aims to bring peace of mind and prosperity to your family’s future. Book your consultation with us.

Schedule a Complimentary Consultation
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