When Special Care Is Needed: The Special Needs Trust A special needs trust helps care for a special needs child when you’re gone. Related Content Who Is Your Trusted Contact? This investment account question is vital and answered as early as possible. Inflation and Your Portfolio Even low inflation rates can pose a threat to investment returns. Gun Ownership and Your Homeowners Policy Gun owners need to make sure that their homeowners policy covers the full value of their firearm(s) as personal liability.