Every standard financial plan assumes children grow up, become independent, and need nothing. For families with a dependent who never will, that assumption is a quiet catastrophe. This book plans for the child the template forgot.
3DMost planning is built around a default child: one who finishes school, becomes self-sufficient, and eventually inherits. But many families care for a child, or adult, with special needs or lifelong dependency, for whom independence will never come. For them, a conventional plan is not just inadequate, it can be actively harmful, accidentally disqualifying the dependent from benefits or leaving them without lifelong support.
The Child the Financial Plan Forgot is dedicated to planning for lifelong dependency. It covers how to provide for a dependent who outlives you, the special structures that protect both their resources and their eligibility for support, who will care for them and decide for them when you cannot, and how to build a plan that holds for a lifetime, not just until adulthood.
A direct inheritance can strip a dependent of essential benefits and support.
The plan must fund care for someone who will outlive the parents who provided it.
Without designated guardianship, no one is empowered to care or decide.
Funds left without structure can be misused, lost, or exhausted too soon.
01The Right Tool for the Right Job
02Work Optional
03The Day the Benefits Stopped
04The Tax Illusion
05Worth Millions on Paper
06Too Young, Too Healthy, Too Late
07Nobody Has the Keys
08Yours, Mine, and Theirs
09Advised Everywhere. Planned Nowhere.
10The Phone Call That Changes Everything
11Eighteen Years to Get This Right
12Your Pension Is Here. Your Retirement Is There.
13The Stamp That Expires
14The 183-Day Trap
15Nobody to Fall Back On
16Built by One. Lost by Three.
17The Conversation the Money Needs
18The Child the Financial Plan ForgotNow Reading
19The Empty Estate
20The Family Philanthropy Playbook
21From Piggy Banks to Private Trusts
22The Family Bank
23The Plan You Think You Have
24Just One More Million
25My Family Would Never Fight Over Money
26I’ll Sort It Out When I’m Older
27Perfectly Logical
28I Was Going To
29More Salary, Less Money
30You Insured Your Phone
31What to Do When the Money Arrives
The Child Who Cannot Wait
The Lifetime Care Architecture
The 10 Mistakes Families Make
The Five Conversations
The Advisor Who Asks the Better QuestionFor families it applies to, nothing matters more, and the cost of a generic plan is severe. The structures involved are specialised and jurisdiction-dependent, so qualified specialist advice is essential alongside this book.
“Every plan assumes the child grows up and away. Some plans must hold for a child who never will.”Dr. Sanjay Tolani
Dr. Sanjay Tolani is a third-generation insurance professional and one of the most decorated financial planners in the world. He qualified for the Million Dollar Round Table at 19, the youngest member in its history, a record that still stands, and has since structured more than USD 25 billion in assets for over 50 high-net-worth families across 53 countries.
Beyond his practice, Dr. Sanjay has built the world’s largest advisor mentoring community, over 200,000 members, all free, and authored books that have sold more than a million copies in five languages. The Right Tool Series makes that same expertise available to families, business owners, and globally mobile professionals who need real plans, not general advice.
08Yours, Mine, and Theirs10The Phone Call That Changes Everything11Eighteen Years to Get This Right17The Conversation the Money NeedsThe book is shared on request. Tell us where to send it and we'll get your copy to you.
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