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.

Families today are more diverse than ever, and blended families—where one or both partners have children from previous relationships—are becoming increasingly common. While these families create new opportunities for love and connection, they also introduce unique financial and legal challenges when it comes to estate planning. Without proper planning, loved ones may face unnecessary disputes, financial insecurity, and unintended disinheritance.