Thanks Susan for sharing. You have really talked upon a very commonly ignored and sensitive topic. These rules are quite twisted. A person who wants to make efficient plans for his or her retirement may eventually need a financial advisor for a productive future nonetheless. I think people will be less inclined to put their senior loved one in nursing home care assistance due to the financial burden. This article truly is an eye-opener for older adolescents who want to make the hard decision of putting their loved one in a caregiving facility. As compare to caregiving living facility, hiring hourly live-in caregivers may be feasible and affordable which can manage your finances in the long run.