It's the sole remaining reason I have a fee-only CFP.

I *think* our youngest is on a glide path to have the financial savvy, altruism, mastery of details to take over in a few more years, but not quite yet.

The CFP was valuable, I thought, in the peri-retirement decade - say, R-minus-five to R-plus-five years - but the value-added at this point when the biggest decisions have been made seems marginal at best.

But I was in medicine too long to assume either that dementia will signal its onset in time to do something effective, or that it needs to be dementia at all. A bad-luck metastatic solid tumor can (and does, routinely) randomly take any older adult in 6-24 months from the first symptom, and the proverbial bus or a sudden cardiac event takes no time at all.

Were I you, I guess I'd look into a fee-only CFP. At this point, I'm resigned to the philosophy that they proportionately cost about as much of my income as did my term life insurance premiums during my working years: something to be as sure as possible that Mrs sutton isn't suddenly adrift because I walked into a liquor store at just the wrong moment.

--sutton
who had to teach his mother how to use an ATM when his dad passed