but the time could come where I won't be able to even bathe myself, so having a financial advisor might make sense. Then again, I also could use my son or his wife, and his wife is an accountant, so I think that's the way we'll go when the time comes. After all, they are going to inherit whatever is left when DW and I are gone, so they'll have a self interest in taking care of our moneyThe last time I saw my financial advisor he asked if I would complete a form that denotes who they can notify if they think my decision-making might be impaired. So for you, how will you know ?Also, many people on this board with significant others seem to think they are invincible. Once one partner is gone unless the other is hamstrung the other inherits. At that point, it is his or hers to do with as they please so unless you have made specific provisions, I wouldn't assume where the money goes after the second person dies.
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