Three Twenty One was founded in 2022 to serve a community that has long been underserved by the financial planning industry, families of individuals with special needs. When our son Luca received a birth diagnosis of Down syndrome in 2019, our whole life changed. All of the plans we had made were now irrelevant and we scrambled to get a grasp of what his diagnosis would mean for our family. Three Twenty One was created to help families gain an understanding of how having a loved one with special needs impacts them on the financial side of things: the systems we have to navigate, the estate planning documents we have to execute that most other families do not, and doing comprehensive financial planning that stretches decades longer than most financial plans. TTO is here to help simplify the complex and to be a resource for anyone that finds themselves on this unplanned journey.