The holiday season is a time when families gather across generations, sharing meals, stories, and cherished traditions. These gatherings are more than just festive moments; they’re opportunities to discuss important future plans, like estate planning.

As much as estate planning might feel uncomfortable, addressing it during such a cozy family time can provide peace of mind for everyone involved. Consider it a gift of clarity and love rather than a burden. Below, we offer perspectives both adult children and parents can consider during these conversations.

Questions Adult Children Can Ask Their Parents

These questions can help navigate the sensitive subject of estate planning:

• 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 Parents Can Ask Their Adult Children

In turn, parents might consider these questions:

• 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 estate planning doesn’t need to turn your holiday into a formal meeting. Instead, find a quiet moment, perhaps during a walk or a relaxed evening, to gently introduce the topic.

Remember, estate planning isn’t just for the elderly; it’s about control, clarity, care, efficiency, and legacy. Having these discussions now helps prevent confusion and legal disputes later, ensuring that your wishes are honored and your loved ones are cared for.

If you feel unsure about where to start or need help navigating these conversations, consider reaching out to a trusted advisor. Taking these steps provides your family with security and peace of mind, truly embodying the spirit of giving.