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[quote=Anonymous]My parents are 63 and they have zero saved for retirement. My dad has his own small practice and doesnt have a reliable source of income. I would guess his income is approx $50K a year. My mom works for him as his office manager. She hasnt had a "real job" in at least 15 years (and hasnt paid herself a salary or SS taxes in years - to my knowledge). He has some good months and some bad ones - she claims he hasnt made a single dollar in the past month.
They have 2 cars, both of which are repeatedly in the repair shop. In fact, my mom had to walk to the office today (approx 2 miles), while my dad borrowed my neighbors car for a meeting this morning.  
They own a house and my grandmother's apartment (she passed away 12 years ago and my mom hasnt gone inside since.)

My mom is not in great health and while they have insurance, if something should happen to my dad, she really has nothing and would be unlikely to find other work.  I have been trying to encourage her to get together some sort of budget or talk to someone but she insists its too late and there is nothing that can be done. She claims she made many poor choices (which I agree with) and now she has no options.

Can anyone suggest who they could talk to? A financial planner? They dont really have much to plan. I am happy to have them live with us, but they currently live in another state and housing is the one thing that they have covered.[/quote]

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