We Have a Heart for Special Needs Trusts

At Community First Trust, we cherish the opportunity to serve special needs families and we understand the importance of caring for loved ones who need significant assistance. We take this privilege seriously and are dedicated to providing the highest level of service to every family. 

Our special needs trusts help ensure financial security and well-being for your loved one living with a disability. The trust will cover expenses that aren’t fully covered by insurance or government disability programs without compromising an individual’s eligibility for government benefits like Supplemental Security Income (SSI) or Medicaid. As a third-party administrator, we will act as an advisor and handle the management of the trust’s assets to meet the beneficiary’s long-term needs.

We have a team of financial professionals committed and qualified to act as a fiduciary for all assets. With competitive pricing options and straightforward administration costs, we can help find the right trust for you and your family.

Who Can Benefit From A Special Needs Trust? 

  • Families with special needs loved ones, including children, grandchildren, nieces and nephews 
  • Parents or guardians who want to leave a legacy to support their special needs child into the future
  • Persons on Social Security Income (SSI) or Medicaid who have recently received an inheritance
  • Persons who have been injured in an accident and may receive a settlement award
  • Disabled children who are receiving child support
  • Almost every family with a disabled loved one can benefit from a Special Needs Trust.
  • Persons who want to nominate a future guardian for their special needs loved ones

Corporate Trustees Set Your Child Up for Long-Term Success

A successful trustee of a special needs trust must be good at several things:
  1. A trustee must understand the myriad of complex laws and regulations governing benefit eligibility.
  2. A trustee (or its investment department) must be able to invest assets appropriately for the benefit of the beneficiary.
  3. The trustee must be able to say, “No” to your child if it’s in their best interest.

Why Choose Us?

  • Locally owned and operated Arkansas company
  • Highly trained team of local trust professionals 
  • Established network of local special needs providers and vendors
  • Committed to immersing ourselves in continuing education so that we can be the premiere special needs trust provider
We are dedicated to supporting special needs families and would be honored to be a part of your team. This isn’t a side business; it is our business. We want to be here for you over the long term.

Our Services

  • Special Needs Trusts
    • Navigate Medicaid paybacks
    • Prepaid funeral planning
    • Legal guardianship assistant
    • True Link prepaid debit cards
    • Able accounts
    • Pay bills and assist with property procurement
    • Protect inherited money or assets
  • Asset Protection Trusts
  • Trust Administration


  • Provide tremendous benefits to your loved one while preserving SSI and Medicaid.
  • Support your loved one’s guardian into the future.
  • Allow children to receive both SSI and child support at the same time.
  • Help your family set aside resources for your loved one without risking benefits eligibility.