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    <lastmod>2023-03-03</lastmod>
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      <image:title>Home</image:title>
      <image:caption>Anthony DeSalis, President</image:caption>
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      <image:title>Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61634085040ffa11dfeec05a/8ee67cbe-aba1-4723-b9ef-b542078b744e/adjoin-logo_RGB_primary.png</image:loc>
      <image:title>Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Home - Make it stand out</image:title>
      <image:caption>Kim Metli, Treasurer</image:caption>
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      <image:title>Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.sntf-sd.org/sntf-team</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-06</lastmod>
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      <image:title>SNTF Team - Special Needs Trust Foundation Team</image:title>
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  </url>
  <url>
    <loc>https://www.sntf-sd.org/howitworks</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-16</lastmod>
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      <image:title>How it Works - 1st Party Trust</image:title>
      <image:caption>A 1st party trust, or a self-funded trust is set up by the person with disabilities for his or her own benefit. Receiving a large sum of money through an inheritance, a settlement or the sale of a property, may jeopardize your government assistance. Placing assets into a special needs trust, protects those benefits while allowing you to use the trust for things to better your life.</image:caption>
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      <image:title>How it Works - 3rd Party Trust</image:title>
      <image:caption>A 3rd party trust is set up by a parent, grandparent or family member for an individual who is disabled. The funding usually originates from the third party’s own assets, their life insurance or a pension. A 3rd party trust may also be established for future funding, so that, upon the grantor’s death, assets can go directly to the SNT.</image:caption>
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  </url>
  <url>
    <loc>https://www.sntf-sd.org/about</loc>
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    <priority>0.75</priority>
    <lastmod>2022-06-10</lastmod>
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      <image:title>About - It all began with an idea.</image:title>
      <image:caption>In 1989, a group of parents with children who were disabled, wanted a way to leave money, after their death, for the continued care of their children, without jeopardizing the government benefits their children were receiving. From this need, The Special Needs Trust Foundation was formed. The Special Needs Trust Foundation is a cooperative project of: United Cerebral Palsy Association of San Diego County Adjoin (formerly Community Catalysts of California) The Arc of San Diego Mountain Shadows Support Group St. Madeleine Sophie’s Center Access to Independence Home of Guiding Hands Sharp Healthcare NAMI San Diego Options for All Unyeway Inc Vista Hill Through a Special Needs Trust, individuals or family members are able to leave assets to benefit their loved ones in a way that enables them to continue receiving public assistance, while enriching their lives, which would otherwise be limited.</image:caption>
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  </url>
  <url>
    <loc>https://www.sntf-sd.org/sntattorneys</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-07-26</lastmod>
  </url>
  <url>
    <loc>https://www.sntf-sd.org/donate</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-16</lastmod>
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      <image:title>Donate</image:title>
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  </url>
  <url>
    <loc>https://www.sntf-sd.org/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-01-19</lastmod>
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      <image:title>Contact - Contact us.</image:title>
      <image:caption>admin@sntf-sd.org 619.790.4810 office 619.312.1554 fax Hours: 9:00a - 5p Monday - Friday Please submit: Distribution Request Forms to requests@sntf-sd.org Receipts to receipts@sntf-sd.org</image:caption>
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  </url>
  <url>
    <loc>https://www.sntf-sd.org/using-your-trust</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-30</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61634085040ffa11dfeec05a/1641425186080-1P2ZEWZ8Y2MB8042W24F/image-asset.jpeg</image:loc>
      <image:title>Using Your Trust</image:title>
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      <image:title>Using Your Trust - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sntf-sd.org/true-link-card</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-06-01</lastmod>
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      <image:title>True Link Card - True Link Card</image:title>
      <image:caption>Trust funds cannot be given directly to the beneficiary. The True Link card gives access to limited funds for the sole benefit of the SNT client and provides independence when shopping in stores or online. For one time purchases like an unexpected medical bill, a computer or a vacation the True Link card can be loaded in advance with funds.</image:caption>
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  </url>
  <url>
    <loc>https://www.sntf-sd.org/forms-docs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-22</lastmod>
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      <image:title>Forms &amp; Docs - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.sntf-sd.org/joining-the-trust-</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-16</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61634085040ffa11dfeec05a/1641340937898-GWUKH7PWB0LBO8IRKQER/pexels-mikhail-nilov-6981145.jpg</image:loc>
      <image:title>Join the Trust - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:title>Join the Trust</image:title>
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  </url>
  <url>
    <loc>https://www.sntf-sd.org/trustee-fees</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61634085040ffa11dfeec05a/1649272590218-9K5DP78S8JLCLQY824E8/image-asset.jpeg</image:loc>
      <image:title>Trustee Fees - 1st Party Trustee Fees</image:title>
      <image:caption>The Special Needs Trust Foundation charges nominal fees for administering your 1st party special needs trust (SNT). The minimum amount to fund a trust is $5,000. For a 1st party trust, there is a one-time joinder enrollment fee of $1,000 that is collected from the trust once it is funded. An attorney must be retained to assist with the Joinder Agreement and submission process. The attorney’s fees accrued may be paid by the trust once funded. Accounts with a balance greater than $10,000 but less than $120,000 will be charged $100 per month, billed quarterly. Accounts with a balance greater than $120,000 will be charged 1% annually, billed quarterly.</image:caption>
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    <image:image>
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      <image:title>Trustee Fees - 3rd Party Trustee Fees</image:title>
      <image:caption>The Special Needs Trust Foundation charges a minimal fee for administering your 3rd party special needs trust. The minimum requirement to fund a trust is $5,000. For a 3rd party trust, there is a one-time joinder enrollment fee of $100 to be paid at the time the trust is approved. The fees for the 3rd party trust are: No fee for the first three transactions per month. Four or more transactions per month are billed at $25 each, billed quarterly</image:caption>
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      <image:title>Trustee Fees - Investment Fees</image:title>
      <image:caption>Trust accounts over $10,000 are invested approximately six months after funding. All funds are managed at a tier one financial firm. Since SNTF is a pooled trust, the collective value allows for greater return on your investment and lower management fees.</image:caption>
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  </url>
  <url>
    <loc>https://www.sntf-sd.org/disability-benefits-overview</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-06-19</lastmod>
  </url>
  <url>
    <loc>https://www.sntf-sd.org/disability-benefits-overview-1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-07-19</lastmod>
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