 I'm attorney Phil Emeru of the Commonwealth Advisory Group. Over the past 30 years, I've developed a trust that will protect you from the cost of a nursing home. I'm Laureen Vaughn of the Commonwealth Advisory Group. I can't tell you how many times folks have come in and told us a friend has gotten really sick. There's a lot of things you can't control, but there's also a lot that you can. Time is on your side, and it's absolutely not too late to plan.