Financial professionals play a key role in helping clients with disabilities achieve greater financial security — and a major change is coming that will expand your ability to serve them.
Beginning January 1, 2026, the ABLE Age Adjustment Act will expand eligibility for ABLE United accounts to individuals whose disability began before age 46 (up from the current limit of age 26). This means millions of new clients — including those with conditions such as multiple sclerosis, mental health disorders, or injuries acquired later in life — may soon qualify.
For financial professionals, this is an important opportunity to:
- Revisit existing client lists: Identify individuals who may now qualify for ABLE accounts under the expanded rule.
- Enhance your client offerings: ABLE accounts can complement other planning tools such as Special Needs Trusts, 529 plans, and traditional investment vehicles.
- Educate clients early: Many newly eligible individuals — and their families — may be unaware of the benefits ABLE accounts offer, such as tax-free growth and protection of public benefits.
By understanding these updates now, you can be ready to guide clients through the application process as soon as eligibility expands.
ABLE United offers dedicated resources for professionals, including outreach materials, webinars, and one-on-one support to help you integrate ABLE strategies into your practice.
Connect with our team and email us at info@ableunited.com to learn how you can stay ahead of the 2026 ABLE Age Adjustment Act and help more Floridians achieve financial independence.
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