MorningStar:  “When Ginnie and Alan wrote me in early 2009, they were feeling nervous about their portfolio's ability to last through what they hoped would be a long and fruitful retirement. But this couple wasn't thinking only about themselves. As parents of a daughter with special needs, they were seeking guidance on what to do to ensure that their child would be able to remain independent and have enough money to cover her needs. Their 20-something daughter was employed and living on her own nearby, but she relied on them for ongoing financial support. . . . While I strongly believe that you can tackle many aspects of financial planning on your own, without the assistance of a professional, estate planning–the process of distributing one's assets after death–isn't one of them.”