It's too expensive to hire the wrong person. Anything we can do to help us build the right team is worth it.

There is just too much at stake for us not to have it.

Most of us can visualize the need for life and health insurance, but we cannot see ourselves needing help with activities of daily living — bathing, dressing, getting up from a chair or worse, the dreaded memory loss of Alzheimer's disease. My usual clients are the ones who have seen the need up close and personal.

Most of us can visualize the need for life and health insurance, but we cannot see ourselves needing help with activities of daily living — bathing, dressing, getting up from a chair or worse, the dreaded memory loss of Alzheimer's disease. My usual clients are the ones who have seen the need up close and personal.

I find out Peter Hyams was available, so I just called him and said, 'Can you help us out?' He said OK.

It'll help us in terms of consolidating the staff,