Paul’s father had not been himself. He was forgetting words, forgetting where he had put things or what he was saying in the middle of a sentence. Paul went to answer the phone – they were expecting a call from the doctor. He returned, shaken. “Dad has Alzheimer's.” “Oh, Paul!” said his wife Julie. “Well, it's not like we didn't expect it.”  “No, but ... Oh, honey, I feel so bad.” They realized at once that this changed his parents' entire financial picture. His mother might have to sell their house to cover his father's medical bills. And they hadn't made any provisions for elderly housing and care for him. Paul had worked before with Bob Anderson, a financial advisor. Obviously it was time to talk with him right away.