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What is your goal of your proposed need based financial assistance? Is it to eliminate wealth disparities between races? Or something else? >

I'm thinking like a utilitarian; the goal would be to minimize the suffering of less-well-off people, whether or not they are poor due to past injustices or just due to more run-of-the-mill reasons for being poor.
I don't think I could say that the goal is to eliminate wealth disparities between races.  If you simply take money from the wealthier race and give it to the less wealthy race, then if you end up at the point where you have the same amount of happiness and the same amount of suffering in the world as you did before, except now it's evenly distributed between the races, have you really achieved anything?
I think that wealth equality between races is a symptom of a fair society and therefore one that has probably done a good job maximizing benefits to its people in a utilitarian sense; if we reach Black-white wealth equality, it probably means we've had several generations where everybody who wanted to become a doctor had a decent shot at it.  But that's a symptom of a benefit-maximizing society, not a cause, i.e. you can't solve other problems just by moving money from white people to Black people, instead of targeting the people who need it the most.
I do agree that this was insufficiently clarified in the original post and this has caused me to revise and clarify my own thoughts.
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