Kathleen Oberneder, ChSNC ® is a Financial Advisor whose specialty practice is providing Special Needs Financial Planning Services. Her role in planning goes beyond the professional. Kathleen is the mother of three daughters, one of whom has Down syndrome. Emily’s birth and diagnosis solidified her desire to work as a Financial Advisor providing services that families raising a child with special needs require. This involves going beyond a sale of a product such as insurance, and answering those hard questions that keep parents up at night. She understands them because she is personally on this journey of raising a loved one with special needs.

This is a second career for Kathleen.  She has her Bachelor's and Master's Degree in Speech Language Pathology.  Her education and experience as a Speech Therapist in a medical setting helped hone her abilities to take concepts that can be very complex and simplify them to make them easier to understand.  Whether it's discussing a cerebral vascular accident to a new stroke patient and it's impact on their communication abilities, or helping clients understand the tax implications of the type of IRA they invest in.  Money and Health are two topics of utmost importance to most people, which can be the most confusing too.  

Special Needs Financial Planning Services involve working with parents and families to create a comprehensive financial plan. We believe that it’s important for parents to insure they are taking care of their financial needs first in order to properly plan for their loved one with special needs. We will work with you to determine what your families concerns, objectives, and goals are for both insuring their loved ones financial future, and that of the parents/caregivers. We help parents and caregivers to manage assets and resources which will be there to provide and protect the individual with special needs now and when they can no longer provide for themselves. 

Find out more about the Chartered Special Needs Consultant Designation: ChSNC®

Firm Description

Four Leaf Financial Planning was founded to provide advice and consulting first.   Rare as a Four Leaf Clover, a Financial Advicor who listens first to help guide your journey!  

Kathleen Oberneder, ChSNC ® is a Financial Advisor whose specialty practice is providing Special Needs Financial Planning Services. Her role in planning goes beyond the professional. Kathleen is the mother of three daughters, one of whom has Down syndrome. Emily’s birth and diagnosis solidified her desire to work as a Financial Advisor providing services that families raising a child with special needs require. This involves going beyond a sale of a product such as insurance, and answering those hard questions that keep parents up at night. She understands them because she is personally on this journey of raising a loved one with special needs.

This is a second career for Kathleen.  She has her Bachelor's and Master's Degree in Speech Language Pathology.  Her education and experience as a Speech Therapist in a medical setting helped hone her abilities to take concepts that can be very complex and simplify them to make them easier to understand.  Whether it's discussing a cerebral vascular accident to a new stroke patient and it's impact on their communication abilities, or helping clients understand the tax implications of the type of IRA they invest in.  Money and Health are two topics of utmost importance to most people, which can be the most confusing too.  

Special Needs Financial Planning Services involve working with parents and families to create a comprehensive financial plan. We believe that it’s important for parents to insure they are taking care of their financial needs first in order to properly plan for their loved one with special needs. We will work with you to determine what your families concerns, objectives, and goals are for both insuring their loved ones financial future, and that of the parents/caregivers. We help parents and caregivers to manage assets and resources which will be there to provide and protect the individual with special needs now and when they can no longer provide for themselves. 

Find out more about the Chartered Special Needs Consultant Designation: ChSNC®

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