About 6 months ago my Father hesitantly asked me a favor. He’d scheduled an appointment with his friends and long-time financial advisors from Morgan Stanley Smith Barney: Richard L. Schneider and Ira Bauman. Dad is living with ALS (aka Lou Gherig’s disease), and is in a wheelchair. Requests like this have become the norm around our house. If I can’t help Mom and Dad, my brother steps in.