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Question : I am 73 and healthy, but my beloved husband has early-stage dementia. His diagnosis was a shock, but on reflection, I realize that he was starting to repeat himself and had forgotten to pay a few bills. He is doing well, yet I know he could already jeopardize our $1.6 million in savings. How can I restructure our financial plan and estate and pay for his long-term care?

Answer : I'm so sorry about your husband's diagnosis, but you are certainly not alone. Dementia is something many American families are either coping with now or might face someday. Over 7 million people in the U.S. are living with Alzheimer's , and several million more live with vascular dementia , Lewy Body and other forms of dementia or mild cognitive impairment .…