I encourage you to teach yourself. Books are not expensive; concentrate on your breathing even check some out at the library. Save a few hundred dollars a year by investing a couple hours a week reading and learning. May perhaps even save yourself from getting bad ideas. The more you know, the more you support yourself. If you still can't manage, get advice from external help now and then, just don't depend too heavily in it. Another selection for Lily were to set up a living trust ...