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I know this guy who specializes in Adoption finances. He is also an adoptive father and has shaped his practice around helping people make adoptions financially attainable.
He answers all kinds of questions and knows the ins-and-outs of the tax credit. He also helps on determining how to fund the up-front costs. He has saved us a lot of money on all 3 of our adoptions. I highly recommend him!
[URL="http://www.bhoover.metlife.com/"][/URL]
Good luck!