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with varied investment strategies. Each individual and family will need to project possible future needs and costs over time, and to assess their risk tolerance for possible future investment strategies to grow their savings. Account contributors or designated benearies are limited, by the ABLE Act, to change the way their money is invested in the account up to two times per year. 9. How is an ABLE account different than a special needs or pooled trust? An ABLE Account will provide more choice and control for the beneficiary and family. Cost of establishing an account will likely be considerably less than either a Special Needs Trust (SNT) or Pooled Income Trust. With an ABLE account, account owners will have the ability to control their funds and, if circumstances change, still have other options available to them. Determining which option is the most appropriate will depend upon individual circumstances. For many families, the ABLE account will be a significant and viable option in addition to, rather than instead of, a Trust program. For more information, the webinar on ABLE Accounts, Trusts, Financial and Benefits Planning is archived on our website along with its slides and transcript. 1111111111 11 '' i i I 11�11 r 11 I rl:1111l:l11;1l � �� liillii- I IMIM"IrMlIMM As of January 2018 there are over 40 ABLE programs nationwide inviting eligible individuals to open an ABLE account, most of whichare enrolling individuals regardless of their state of residence. When comparing State ABLE programs you may want to consider the following questions in ord to find a program that best meets your needs: I I What proof will the ABLE program require for you to document in order to open an account or show that your disbursements are qualified expenses? Is there a minimum contribution to open an ABLE account? Is there a fee to open an account and, if so, how much is that fee?