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Michael, (the son) is younger than either of Toby’s two children at the time, though both they and mine lived through the experience of regularly wondering when the end may arrive. To be blunt, I’m more concerned that you (and I) have good relationships with those we care about and, if I may, encourage you to leave some form of memory box of who you are. I don’t think it too bold an assumption to presume that you have had difficulties in your life, that you have known loss and grief. As a financial planner, it is a regular part of my work and over the last 3 decades I have seen and felt the impact. Life can change very suddenly, as your planner I help you prepare for the worst whilst hoping for the best.

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