Life is going along fine. Then suddenly a fall or unexpected health problem changes a loved one’s needs — and now, you’re the caregiver. You know the discussion you need to have with your loved one, yet like many adult children who are thinking of moving their elderly parents, the three words “assisted living facility” seem unwelcoming, debilitating and glum. Should you recommend a senior living home, a 24 hour nurse or should you consider placing your loved one under the care of a concierge doctor?