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Michael helps families uncover gaps in employer benefits and existing policies that most advisors miss.
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So happy that I found this resource and community. Lots of tips, and suggestions that have really helped my family.
Most families, whether W-2 employees or self-employed, have gaps in their life insurance, disability, and benefits protection. Michael helps uncover what's missing.
Using life insurance strategies to ensure your child's trust is funded, not just set up, but actually funded.
Ensure proper beneficiary designation so your child maintains SSI and Medicaid eligibility.
Michael works alongside estate attorneys and specialists to ensure your insurance planning complements your legal strategy.
Michael helps business owners navigate exit and succession planning, protecting business value, coordinating with advisors and specialists, and creating insurance strategies that ensure continuity and financial security for their family and employees.
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The Autism Voyage® is an informational and awareness-driven platform helping families raising children with autism, related developmental conditions, and neurodivergent diagnoses navigate daily living challenges and long-term planning. We curate content from expert insights, research, lived experience, and AI-enhanced tools, every piece reviewed for accuracy and relevance through the lens of a parent living this journey.
Founded by Michael Pereira, a father of two (one neurodivergent), we cover practical topics like caregiving, routines, therapies, special needs trusts, insurance strategies, guardianship, and estate planning.
Our mission is simple: Information. Clarity. Awareness.
The Autism Voyage® is an informational platform, not a service provider. However, Michael also offers 1-on-1 insurance planning services separately for families who want personalized guidance on coverage, trust funding, and long-term security.
An Essential Guide for Writing a Letter of Intent for Families with Special Needs
Perfect for families navigating the complexities of planning for a special needs future
A Beautifully Simple E-Book to Nurturing Special Needs
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Real-Life Insights to Help You Foster Connection and
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An Essential Guide for Writing a Letter of Intent for Families with Special Needs
Perfect for families navigating the complexities of planning for a special needs future
A Beautifully Simple Guide to Nurturing Special Needs
Siblings
Real-Life Insights to Help You Foster Connection and
Support
Michael Pereira MBA, CEPA®
Founder, The Autism Voyage®
Michael Pereira had it all figured out, a decade in Corporate America, high-stakes deals, climbing the ladder. Then in 2022, his son was diagnosed with autism, and suddenly none of that mattered. The most important question became: What happens to my son when I'm not here? That question led Michael into the world of special needs planning, where he quickly realized how many families were asking the same thing but getting no real answers. So he left corporate life and founded The Autism Voyage®, a platform dedicated to helping families raising neurodivergent children navigate long-term planning with clarity, not fear.
Today, Michael helps families build financial security through life insurance strategies, special needs trusts, and benefits protection, bringing both lived experience as an autism dad and professional expertise to every conversation.
Maria
18 Year old
Alex
25 Year old
The best time to start was at diagnosis. The second-best time is now. Here's why: (1) You're insurable today but might not be in 5 years, (2) The longer you wait, the more you pay for coverage, (3) Your child's trust remains unfunded while you "plan to plan." Most families wait 2-3 years after diagnosis to start, and many regret the delay when they realize what they could have locked in earlier.
Life insurance is often the most reliable and predictable. Other options like real estate, investments, or savings work, but they're less certain and harder to access when needed, in some cases. Most families use life insurance as the primary funding mechanism and supplement with other assets as available.
The main risks:
The best time to plan was at diagnosis. The second-best time is now.
Focus on three things: (1) Disability Income Insurance to replace your income if you can't work, (2) Life insurance structured to fund your child's special needs trust, and (3) A Letter of Intent documenting your child's needs and routines. Most families only have #2, but all three are critical if you become incapacitated.
Start by auditing what you already have: (1) Review your employer and/or existing life insurance and disability coverage for gaps, (2) Check if your beneficiaries are structured correctly, (3) Confirm your special needs trust is set up AND funded, (4) Create a Letter of Intent documenting your child's needs. Most families think they're covered but discover 2-3 major gaps when they actually review everything.
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Financial services for families with special needs, founded by an experienced parent.
Disclaimer: The Autism Voyage® does not endorse any external companies, products, services, or professionals.
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