Skip to navigation Skip to content

Financial Planning


Financial Planning Featuring Silvia Stazio

It's never too early to being planning financially for the future, especially if you are living with MS.

Watch Now

Legal and Care Planning for People Living with MS

Video series, provided by the National Academy of Elder Law Attorneys, explores financial and legal issues relevant to people living with MS and their carepartners.

Watch Now


In this article


It’s never too early to begin planning financially for the future – evaluating your income, assets, debts, benefits, and other resources is essential to being well-prepared for a future with MS.

Financial Education Partners Program

The Financial Education Partners (FEP) program was established in 2006 by the Foundation for Financial Service Professionals. It provides pro bono financial planning and education to individuals with special health or financial circumstances.

What might be addressed during a planning session?

  • Savings vehicles — pros and cons of various instruments
  • Insurance analysis
  • Employee benefits analysis — retirement planning, medical plans, disability coverage and life insurance
  • Retirement planning — analysis of adequacy and tax effectiveness
  • Estate planning — strategies to maximize inheritances/minimize taxes
  • Legal planning — wills, special needs trusts, living trusts, etc.

Participants in the FEP program will receive reliable financial counseling, provided by a professional who adheres to the Society of Financial Service Professional’s Code of Professional Responsibility.

For more information please contact an MS Navigator by calling 1-800-344-4867 or via online.

National Financial Planning Resources

Elder Law

National Academy of Elder Law Attorneys (NAELA)

National Elder Law Foundation (NELF)

  • Provides referrals for Certified Elder Law Attorneys

Estate Planning

Certified Medicaid Planner Program

  • A CMP is a professional in the Medicaid planning field who has been awarded certification by the CMP™ Governing Board. Individuals can locate a Certified Medicaid Planner by conducting a zip code search.

National Association of Estate Planners & Councils

  • Provides referrals to estate planning professionals

Personal Finance

Consumer Financial Protection Bureau (CFPB)

  • U.S. government agency that works to protect consumers & empower them to take more control over their economic lives
  • Access online worksheets & publications to help you to create a budget, learn about your rights, make informed financial decisions, use credit wisely, save at tax time, and more.

IRS Volunteer Income Tax Assistance Program (VITA) /
Tax Counseling for the Elderly Program (TCE)

  • IRS-certified volunteers provide free basic income tax return preparation with electronic filing to qualified individuals.

National Foundation for Credit Counseling (NFCC)

  • Provides referrals to certified consumer credit counselors
  • Offers information & counseling to consumers regarding such topics as credit, home buying, bankruptcy, etc.

Financial Planning for a Life with Multiple Sclerosis

This 85-page financial planning guide provides information and strategies to help families plan wisely for the future and meet financial challenges that often accompany life with MS. Topics addressed include:

  • financial organization and planning
  • insurance options
  • employment concerns
  • benefits

Download now.

This financial planning guide is a collaborative project of the National Endowment for Financial Education, the National MS Society, and Paralyzed Veterans of America.

In addition to the physical and emotional impact of multiple sclerosis, the disease may also impose financial challenges. It is estimated that the cost of living with MS is upward of $70,000 per year, per person. MS may impact the ability to work and may generate out-of-pocket costs related to medical care, rehabilitation, home and auto modifications, and more. To learn more about financial assistance resources available to persons with MS, visit the Financial Resources page.


© 2021 The National Multiple Sclerosis Society is a tax exempt 501(c)3 nonprofit organization. Its Identification Number (EIN) is 13-5661935.