Understanding. Experience. Compassion.

At DWJ Wealth Management, we understand that planning for a loved one with additional needs goes far beyond finances.
As parents of children with SEND ourselves, we know the emotions, decisions, and responsibilities that come with securing your child’s future — and we’re here to help.

Why Specialist Advice Matters

For many families, the big questions are the same:

• How do I provide for my child when I’m no longer here?
• Will an inheritance affect their care or benefits?
• What happens when they reach adulthood?

Without specialist advice, even the most well-intentioned plans can put support or means-tested benefits at risk.
That’s where we come in — blending technical expertise with lived experience to create clear, compassionate, and practical solutions.

How We Help

We specialise in:

• Financial planning for families of vulnerable individuals
• Creating and managing trusts for long-term protection
• Collaborating with your solicitors, deputies, and trustees
• Aligning pensions, investments, Wills, and protection

We work closely with each family to design a plan that helps to provide financial security — and peace of mind.

Trusts: Protecting More Than Money

A trust isn’t just a financial tool — it’s a safeguard.
It ensures your loved one’s inheritance is protected, their benefits preserved, and their future is more secure.
Specialist structures, such as Vulnerable Person’s Trusts, Disabled Persons Trusts can also offer valuable tax advantages and help ensure funds are used appropriately.

Our Approach

Every SEND family is unique — and so is our planning.
We start by understanding your child’s circumstances, needs, and aspirations.
Then we design a long-term plan that brings together:

• Care and housing considerations
• Investment and income planning
• Wills, trusts, and protection
• Support for trustees and family members

Everything is brought together in one clear, practical plan that evolves as your family’s needs change.

“Financial planning is usually centred around the parents – but in our work, the child is at the heart.” – Team DWJ

Why DWJ Wealth Management

With over 34 years of combined experience, Danni and Kathryn bring both professional expertise and personal understanding.

Danni is also an accredited member of the Society of Later Life Advisers (SOLLA), supporting families with complex, intergenerational needs.

We’re proud to work alongside other professionals — solicitors, trustees, Care specialists and carers — to ensure every element of your family’s future is joined up.

At DWJ Wealth Management, we deliver expert, compassionate financial planning for families of children with SEND.

If you would like to explore how we could help, please get in touch.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

Will writing involves the referral to a service that is separate and distinct to those offered by St. James's Place and along with Trusts are not regulated by the Financial Conduct Authority.