I could hear my son singing from across the house. I recognized the song and couldn’t help but smile.

My twenty-two-year-old first heard this song well before he could speak or sing the words.

I picture him, just two years old, at our “Mommy and Me” Gymboree class, his face glowing and grinning as he scrambles with the other children under a huge brightly colored parachute. We parents form a circle and shake the parachute over the kids to simulate a storm. As the song ends, we raise the parachute up high and drop the sides quickly behind us, scooting under to sit on the edges, creating a bubble of safety and silliness with everyone underneath.

Come under my umbrella Umbrella, umbrella Come under my umbrella It's going to storm. There’s thunder and lightning And wind and rain. Come under my umbrella It's going to storm.

While my son was singing of thunder and lightning, I was in my office preparing for a rainy day of another sort.

That day most of us avoid thinking about, but for which planning is necessary – especially when you’ve got a special needs child. Yeah, I’ve been in that spooky territory of estate planning, re-grouping on all the paperwork we need to have in order – just in case...

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