Talking about estate planning can be uncomfortable, but avoiding the discussion can lead to unintended consequences. Instead of thinking of it as a legal matter, frame it as a way to honor your parents' wishes and protect their legacy.

Start with open-ended questions like:

• What matters most to you when it comes to your assets and healthcare decisions?

• Who do you trust to make decisions on your behalf if you are unable to?

• Have you documented your wishes in a legal format?

These conversations don’t have to be completed in one sitting. The key is to start early and make it an ongoing dialogue.