Subject: Re: Cognitive decline
...I still worry about who takes care of the financial part.

A legitimate worry.

I suspect you'd have to have an accountant on retainer to do that. Not sure if a financial planner would be sufficient. And a lawyer might not want to handle disbursement of funds.

Otherwise, I believe you would become a ward of the state, and a guardian would be assigned to handle your affairs. That may vary by state, so you would want to contact your state government specifically to ask about how that would be handled.