Introducing the ABLE Planner^TM from Spectra

An Institutional-Grade Planning Tool for ABLE Programs

Helping families make informed, confident savings decisions while supporting state programs in driving participation and long-term engagement.

The Challenge Facing ABLE Programs

Despite the powerful benefits of ABLE accounts, participation and sustained contributions remain below potential.

Common barriers include:

• Uncertainty around contribution limits and SSI interaction
• Confusion about Federal Saver's Credit eligibility
• Lack of clarity on state tax benefits
• Difficulty projecting sustainable withdrawals
• Lack of tools built for the average person

Families want to save, but they need clearer guidance and better tools.

CHOOSE A STATE BELOW TO READ A BRIEF DESCRIPTION OF THE ABLE PLANNER AND THEN TO LAUNCH A PRODUCTION GRADE DEMONSTRATION SPECIFICALLY CONFIGURED TO REFLECT STATE AND PLAN RULES APPLICABLE TO YOUR STATE