By Hannah Frances Johansson, CNN Berkeley, California (CNN) — Over a decade before her husband’s death, Linda Tung was already concerned with estate planning. Their daughter, Rachel, was born with cerebral palsy, a neurological condition that can greatly hamper mobility. Planning for Rachel’s financial future, one without the everyday care of a parent, has always been top of mind. Tung, 75, and Rachel, 36, live in the downstairs unit of a house walking distance from San Francisco’s Golden Gate Park. Tung’s son and his family live in a separate unit upstairs. When the family’s will is activated, Rachel will inherit her share of this house through what is known as a special needs trust, w
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