skip navigation


Ask Vivian: 

Sage Planning's Vivian Villers has been providing tailored financial and retirement planning for over 30 years.  As she focuses on your needs, goals, and objectives, she applies her years of expeirence in meeting the requirements of Special Needs Families Financial Planning, Retirement Plans & Planning, and the Financial Planning for Women in Business.

Vivian has earned the designations as a Certified Financial Planner (CFP®), as an Accredited Investment Fiduciary (AIF®), and as a Certified Wealth Strategist (CWS®).  Clients and contemporaries tap into her wealth of information and knowledge with questions about issues, concerns, and observations. 

If you'd like to ASK VIVIAN, just send her an email to  And, following are links to several FAQs (Frequently Asked Questions) which might also be a resource.

FAQs - Special Needs Families Financial Planning

Q:  "Can I take money out of the Special Needs Trust for my own expenses?"

Q:  "I understand that the funds in an ABLE account can only be withdrawn for "qualified disability expenses."  How do they know if you used the money for the allowed expense?"

Q:  "Can I pay myself from the special needs trust for being my child's caregiver?"

Q:  "My nephew is receiving SSI and Medicaid and just uncovered a large mutual fund investment in an UGMA account.  What do I do?

Q:  "I am retired and don't need life insurance to provide for my child."

Q:  "I want to accelerate my mortgage payments so that my special needs daughter can continue to live in our condo."



Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck