The holiday season is a time rich with emotional warmth — the kind that comes from generations gathered around a bustling dinner table, sharing meals, stories, and traditions that have been passed down through the years. It’s these gatherings, filled with laughter and togetherness, that provide a unique opportunity to reflect on our futures, especially when it comes to estate planning.

Why Estate Planning During Holidays?

Consider this: nearly 55% of U.S. adults don’t have a will or estate plan in place. Estate Planning Statistics to Read Before Writing Your Will. This oversight often leads to probate, which can consume 3–7% of an estate’s value and extend for months, even years. How Much Does Probate Cost? Additionally, 58% of families without an estate plan report disputes after a loved one’s passing. Lack of estate planning leads to family feuds

Important Questions Adult Children Can Ask

Starting a conversation on estate planning can be daunting, but framing it as a caring gesture makes it easier. Here are some crucial questions to consider asking your parents:

• 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?

The Perspective of Parents

Conversely, parents can encourage their children to consider their futures with questions that promote thoughtful planning:

• 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?

How to Start Conversations Naturally

There's no need to formalize the conversation around estate planning into a sit-down meeting. Instead, look for quiet moments — a walk after dinner or a cozy chat by the fireplace — to bring up these topics naturally. Emphasize the peace of mind and clarity these discussions can bring rather than focusing solely on legal aspects.

A Gift of Clarity and Love

When you take the time to engage in estate planning discussions, you are providing your family with a gift of clarity and love. By proactively addressing these matters, you prevent future confusion and legal disputes, leaving a legacy of care and consideration. If you find yourself unsure where to begin, consider seeking guidance from a trusted advisor who can help navigate these important discussions. Remember, estate planning isn't just a necessity; it is an act of love, ensuring your family's emotional and financial well-being.