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 Is a Variable Annuity Right for Me? Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about whether annuities are right. Pay Yourself First It sounds simple, but paying yourself first can really pay off. How Much Home Can I Afford? With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.