your retirement funds. However, it noted that the greatest risk was not stock prices or interest rates. Rather, it was a slow cognitive decline. One big mistake or a series of smaller ones can wipe out your entire life savings. To guard against this happening, investment firms like Charles Schwab, Fidelity Investments and Vanguard Group are strengthening the ways they detect possible signs of cognitive decline. This includes making web sites more difficult to navigate for someone with an impaired memory, and monitoring for frequent password changes. Some are notifying a designated family member when they see these signs. Good for them! Many people who start slipping into dementia or Alzheimer’s disease try to hide this from friends and family as they are embarrassed. Regular readers of my blog know that both my father and grandmother had this terrible disease when they passed away. There are wonderful people at our local chapter of Alzheimer’s Association in Ryan’s Ranch. They also have a 24-hour hotline if you need support at 800-272-3900.