As the holidays approach, families gather around the table, creating rich tapestries of shared meals, family stories, and cherished traditions. These gatherings, often involving multiple generations, offer a unique opportunity to discuss important future planning, particularly estate planning.

Though discussing estate planning might seem uncomfortable, it's a conversation filled with peace of mind. Here are some questions to guide these talks, ensuring they are empathetic and clear.

Questions for Adult Children to Ask Parents

Starting the conversation as an adult child can be daunting, but it's crucial for clarity:

• Do you have an up-to-date will or trust in place?
• Who have you chosen to make financial and medical decisions if you’re unable to?
• Have you shared your wishes for medical care and end-of-life planning?
• If something happened tomorrow, would we know where to find your important documents and accounts?
• Are there heirlooms or traditions you’d like us to know the stories behind?
• Do you feel confident that the people you’ve chosen to handle your affairs are still the right ones?

Questions for Parents to Ask Adult Children

Parents, assure your children understand your plans and encourage them to think about their own:

• Do you know where to find my important documents in case of an emergency?
• Have you considered creating your own will or an estate plan?
• If you received an inheritance tomorrow, would you know what to do with it — or who to turn to for help?
• Are there family keepsakes or traditions you’d be heartbroken not to have carried forward?
• If you had to step in to help us — financially or medically — what support would you need?

Bringing up these questions during a quiet walk or a relaxed moment can prevent turning the holiday into a business meeting. These discussions are gifts of love and clarity, preventing future legal disputes or emotional pain.

Empowerment lies in having these conversations now. They are not about money but about ensuring care and clarity for those we love most. If you’re unsure where to begin, consult a trusted advisor for guidance.

Opening Stats:

• Nearly 55% of U.S. adults don’t have a will or estate plan in place. Read more here.
• Probate can consume 3–7% of an estate’s value and can last for years. Learn more.
• 58% of families without an estate plan report disputes after a loved one’s death. See the study.