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Joan Hatem-Roy, Chief Executive Officer Q: I was surprised to learn my stepmother does not have an advance directive. Several years ago she had to make difficult decisions when my…

Joan Hatem-Roy, Chief Executive Officer Q: Our family and my mother’s physician have determined it would be best to move her to a memory care facility. Over the past year…

Joan Hatem-Roy, Chief Executive Officer Q: My wife and I have incurred considerable medical debts over the past two years. Most of our savings have been depleted trying to pay…

Joan Hatem-Roy, Chief Executive Officer Q: My children and I are concerned about my stepmother. She continues to live in her own home alone since my father passed away. She…

Joan Hatem-Roy, Chief Executive Officer Q: My husband and I are trying to determine if it would be in our best interest to purchase a long-term care insurance policy. We…

Joan Hatem-Roy, Chief Executive Officer Q: I have a group of friends who have a lot in common. We are all in our mid-seventies, active and in fairly good shape….

Joan Hatem-Roy, Chief Executive Officer Q: I belong to a bridge card group that meets twice a month. Last week most of the members decided we should hold off on…