The F.A.M.E. program suits me. In the past when I have needed to make changes to my trust, I delayed partly because of the cost of a consultation and partly because I just didn’t get around to it. Last year, being a member of the program, I made the changes and saved money into the bargain. As a bonus, the talk by Dr. Rubin about dementia and aging addressed issues I am dealing with in my family—and convinced me I have to get out and walk more!