Can We Talk Before the Turkey? A Family Guide to Estate Planning Conversations

 

The holidays bring families together for food, traditions, and catching up. They can also offer something that’s harder to find during the rest of the year: a chance to talk in person.

And while wills, trusts, and healthcare decisions probably aren’t on anyone’s list of favorite dinner topics, they deserve a little time between “When are you getting here?” and “Who’s bringing the stuffing?”

Whether you’re raising young children, enjoying an empty nest, or helping your own parents plan ahead, a thoughtful conversation now can give everyone more clarity.

You don’t have to solve everything in one sitting. Start the conversation, agree on a next step, and get back to the turkey.

1. Give Everyone a Little Heads-Up

Most people don’t love being surprised with, “So, have you updated your will?” while passing the gravy.

Instead, suggest a quiet time during the visit. A walk, morning coffee, or a few minutes before the holiday festivities can feel more comfortable than a conversation in front of the whole table.

Try:

“While we’re together, could we set aside a little time to talk about our family’s plans? Nothing urgent. I’d just like us to know what’s in place and what still needs attention.”

The goal is to open a door, not schedule a family interrogation.

2. Lead With Why You Care

Talking about estate planning can feel awkward when someone worries you’re asking about an inheritance or questioning their decisions.

Keep the focus on supporting them and understanding their wishes.

“I want to make sure we could help you the way you’d want if you ever needed us.”

Or:

“We’ve been thinking about our own planning, and it made us realize we haven’t talked about what you would want.”

You don’t need account balances or a preview of who gets what. Start with whether a plan exists, who has been chosen to help, and where important documents can be found.

3. Young Parents: Talk About the People Who Would Step In

When you have young children, estate planning conversations often begin with a very personal question: Who would care for them if you couldn’t?

Before naming a guardian, talk with the person you’re considering. Explain what matters to you, ask whether they would be willing, and give them room to think.

You might say:

“We’re working on a plan for the kids, and we’d like to talk with you about being their guardian. We don’t expect an answer today, but we’d love to share what we’re thinking and hear your thoughts.”

It’s also helpful to discuss who could care for your children in an immediate emergency, especially if your intended long-term guardians live far away.

These conversations can include the everyday things that make your family yours: routines, relationships, traditions, and the values you hope your children grow up with.

4. Empty Nesters: Let Your Adult Children In on the Plan

Your children may be grown, but they still need guidance about what you would want and whom you’ve chosen to help.

You don’t have to share every financial detail. Give them a practical overview:

  • Where your estate planning documents are stored and how to access them.

  • Who you’ve named to handle financial, healthcare, and estate responsibilities.

  • How to contact your estate planning attorney.

  • Any wishes or instructions you want them to understand.

A simple opening could be:

“We’ve put some plans in place, and we want you to know where things are and who to call. You don’t need to remember everything. That’s why we’ve written it down.”

If your documents were created when your children still needed babysitters, it may also be time for a review.

5. Ask Your Parents About More Than a Will

“We have a will” is a helpful starting point, but it doesn’t answer every question.

A will alone does not avoid probate. Whether assets need to go through probate depends on how they’re owned and whether arrangements such as trusts or beneficiary designations are in place.

Instead of trying to evaluate your parents’ documents yourself, ask:

“Have you talked with your attorney about what would happen with the house and accounts after you’re gone?”

Or:

“Has someone reviewed your plan recently to make sure everything still works together?”

The purpose is to help your parents put their wishes into action and reduce the paperwork, uncertainty, and avoidable complications their family might otherwise face.

For more ways to approach this discussion, read our post, How to Talk with Your Aging Parents About Estate Planning.

6. Make Room for Healthcare Wishes

Estate planning also includes decisions that may need to be made during your lifetime.

In Massachusetts, a Health Care Proxy allows you to name someone to make healthcare decisions if you become unable to make or communicate them yourself. Talking with that person about your wishes helps them understand the responsibility.

Start with questions like:

“If you couldn’t speak for yourself, who would you want talking with your doctors?”

“What would you want that person to know about your wishes and what matters most to you?”

You don’t need to work through every possible medical situation over a holiday weekend. Knowing whom you trust and beginning to explain your preferences is a meaningful first step.

7. Consider a Gift That Won’t Need Batteries

If your family typically gives larger gifts or financial contributions, help with estate planning could be a thoughtful alternative this year.

For young parents, it can be a comfortable way to bring up something they’ve wanted to do but haven’t yet prioritized.

Try:

“If you’re looking for a gift idea for us this year, we’d really appreciate a contribution toward our estate plan. Getting guardians and the right protections in place for the kids would mean a lot.”

Grandparents can offer, too:

“Would you be interested in us helping with an estate plan as your family’s gift this year?”

Keep it optional and free of strings. The people creating the plan should choose their attorney and make their own decisions.

It may not fit under the tree, but neither does peace of mind.

One Conversation, One Next Step

You don’t need a finished estate plan by dessert.

Maybe the next step is finding existing documents, talking with a potential guardian, or booking a call with an estate planning attorney. Choose something manageable and decide when you’ll follow through.

At The Parents Estate Planning Law Firm, we help young families and empty nesters understand their options and create plans that reflect the people and priorities that matter most.

Schedule a free 15-minute call with our Client Services Coordinator, or call 978-263-6900. We’ll help you figure out where to start.

Then you can get back to the turkey and stuffing. And the annual debate about whether there’s such a thing as too much pie

As a parent, you may have questions about what you really need in place to protect your kids, your family, your assets, and yourself. From guardians and trusts to wills and health care documents, it can be hard to know where to start. Read on for answers to some of the most common estate planning questions we hear from parents.

Question 1: What is an estate plan?

When people hear the word estate, they often imagine mansions or large investments, but your estate is simply everything you own: your home, savings, personal belongings, and, most importantly, the people you want to protect.

Estate planning is about making thoughtful decisions ahead of time. It allows you to decide who would care for your children, who would make financial or medical decisions if you couldn’t, and how you want your assets managed and distributed.

Whether you’re just starting your career, growing your family, or planning for retirement, an estate plan gives you the opportunity to make those decisions yourself rather than leaving them to default state laws.

Question 2: Do I really need an estate plan if I’m young and healthy?

Even if you’re young and healthy, estate planning matters because life can change in an instant.

With a plan, you name guardians and decision-makers. Without one, many of those decisions may be left to the court or determined by state law. For example, if both parents are unable to care for their children and no guardian has been named, a court will appoint one.

A thoughtful plan can protect your family’s future, provide guidance, and help ensure your children’s inheritance is handled the way you intend.

Online forms and AI tools can be useful for general education, but they can’t provide legal advice or tailor a plan to your needs. An experienced estate planning attorney can help create a plan that’s customized, complies with state law, and is designed to hold up legally when your family needs it most.

Question 3: What documents are included in an estate plan?

A comprehensive estate plan includes several key documents that work together to protect your family.

A Will lets you name guardians for your minor children and direct how your assets are distributed.

A Revocable Living Trust can help avoid probate and provide more control over how assets are managed and distributed.

A Durable Financial Power of Attorney allows someone you trust to manage your financial affairs if you become incapacitated.

A Health Care Proxy allows you to appoint someone to make medical decisions on your behalf if you’re unable to do so.

A HIPAA Authorization gives the people you choose permission to access your medical information when needed.

The right combination of documents depends on your stage of life and your family’s unique needs.

Question 4: Do I need a will, a trust, or both?

This is one of the most common questions parents ask, and the answer depends on your goals.

A will allows you to name guardians for your minor children and direct how your assets are distributed.

A revocable living trust is often used alongside a will. It can help avoid probate, provide privacy, and give you more flexibility in how assets are managed and distributed.

For parents of young children, one of the biggest advantages of a trust is the control it provides. A trust lets you decide when and how your children receive their inheritance rather than having assets become available when they reach legal adulthood. Without that structure, significant assets like a home or investments may become available at a much younger age than most parents feel is wise. A trust also allows you to appoint someone you trust to manage those assets until your children reach the ages or milestones you choose.

For many families, the right solution includes both a will and a trust. It depends on factors like home ownership, the age of your children, and whether you want to avoid probate or set conditions for an inheritance.

Often, the better question isn’t “Do I need a will or a trust?” but “What do I want my plan to accomplish for my family?”

Question 5: How much does estate planning cost?

The cost of estate planning can vary widely depending on your family’s unique situation, goals, and the complexity of the plan.

The most important question isn’t simply what it costs, but what level of planning will best protect your family.

Once an attorney understands your goals and your situation, they can recommend the right approach and explain the fees up front.

Question 6: What happens if I don’t have an estate plan?

There is always a plan. It just may not be the one you would have chosen.

If you don’t create an estate plan, Massachusetts law provides a default plan for many important decisions. Those laws are meant to provide a framework, but they can’t account for your family’s unique needs or your preferences.

Without a plan, a court may need to appoint guardians for your minor children. Assets will be distributed according to state law, and your loved ones may experience unnecessary delays and additional stress.

Creating a plan allows you, not the state, to make those important decisions and provides clear guidance when your family needs it most.

Question 7: How do I choose a guardian for my children?

Choosing a guardian is one of the most important decisions parents make, and it can also be one of the toughest.

Many families struggle to find the one “perfect” person. At our firm, we help parents think through the decision and identify the best fit for their family. We’ll discuss questions you may not have considered, explore different scenarios, and help you make a decision that reflects your values and gives you confidence in your plan.

Thoughtful estate planning also allows you to clearly document your wishes. In some situations, parents have strong feelings about people they do not want serving as guardians. Clearly expressing those preferences in your legal plan can provide important guidance and help reduce uncertainty if difficult decisions ever need to be made.

Remember, naming a guardian isn’t permanent. As your children grow and circumstances change, your plan can be updated to reflect your family’s evolving needs.

Question 8: What happens if I don’t name a guardian?

If both parents are unable to care for their children and no guardian has been named, a court will appoint someone.

The court’s responsibility is to act in the child’s best interests, but without your guidance, the court could appoint someone you would not have chosen.

By naming a guardian, you provide the court with important guidance about who you believe is best suited to raise your children.

Question 9: When should I update my estate plan?

Estate planning isn’t something you do once and forget. Your plan should grow and change as your life does.

It’s a good idea to review your estate plan after major life events, including:

  • Getting married or divorced

  • The birth or adoption of a child

  • When your children become legal adults

  • Buying or selling a home

  • Receiving a significant inheritance

  • Starting or selling a business

  • A significant change in your financial situation

  • The death or incapacity of someone named in your plan, such as a guardian, trustee, executor, or agent under your power of attorney

  • Moving to another state

  • If your child is diagnosed with special needs, or if their diagnosis, abilities, level of independence, or long-term care needs change over time

  • Every three to five years, even if nothing major has changed

At our firm, estate planning is an ongoing relationship, not a one-time transaction. As your family grows and life changes, we’ll help you review and update your plan so it continues to reflect your wishes and protect the people you love.

Question 10: Can I create my estate plan using AI or online forms?

AI tools and online forms can be helpful for learning basic concepts or organizing your thoughts, but they can’t give legal advice or evaluate your family’s unique situation.

An estate plan is more than a set of forms. It’s a coordinated legal strategy designed around your specific goals and family dynamics.

If key issues aren’t addressed, certain decisions may default to state law, which can lead to unintended results.

Working with a qualified estate planning attorney who works with young families every day helps ensure your plan is tailored to your family’s needs and wishes. Rather than a one-time transaction, you’ll have a trusted advisor who can help keep your plan current as life changes.

Question 11: How do I get started?

Getting started is often easier than people expect.

The first step is scheduling a complimentary 15-minute call with our Client Services Coordinator.

You don’t need to have all the answers before you reach out. You don’t need to know exactly who you’d choose as guardians or what documents you need. That’s what we’re here to help with.

During that call, we’ll learn a little about your family, answer your initial questions, explain what to expect, and help determine the next best step.

If it makes sense to move forward, we’ll schedule a planning session with one of our attorneys, where we’ll talk through your goals, explain your options in plain language, and help you feel confident about the path forward.

Our goal is to make estate planning approachable, understandable, and personal so you can move forward with confidence, knowing your family is protected.

Question 12: What can I expect during my planning session?

Your planning session is a conversation, not a presentation.

We’ll take time to get to know you, listen to your goals, and answer your questions. We’ll walk you through decisions you may not have thought about, such as guardianship and how and when assets should pass to your children.

By the end of your planning session, you’ll have a clear understanding of your options, what we recommend, why we recommend it, and what the next steps look like.

Our goal isn’t simply to create legal documents. It’s to help you build a thoughtful estate plan that reflects your wishes and protects the people you love.

Question 13: How long will my estate plan take to complete?

Creating your estate plan begins with your planning session, and we ask clients to reserve about 90 minutes so we can truly understand your family and your goals.

During the first part of your planning session, we’ll get to know you, answer your questions, explore your wishes, and discuss what’s most important to you. We’ll explain your options in plain language and recommend the level of planning that’s right for your family’s unique situation.

If you decide to move forward with our firm, the second part of the planning session is spent beginning to design your estate plan. Together, we’ll map out the important decisions and gather the information needed to prepare documents that reflect your wishes and protect your family.

It takes about four weeks from your planning session to signing your estate planning documents. A lot will depend on how quickly you’re able to finalize your decisions. It’s important to remember that nothing is legal until it is signed, so we move you to your signing meeting as quickly as possible.

We’ll be with you every step of the way, keeping you informed so you’ll always know what to expect.

Ready to protect your family? Schedule a complimentary 15-minute call with our Client Services Coordinator to get started. Let’s chat. 

Parents Estate Planning Logo

The Parents Estate Planning Law Firm, PC

At The Parents Estate Planning Law Firm, we answer your questions at your convenience; we stay in frequent communication; and we meet to discuss changes in life circumstances and in the law to ensure that your assets are protected.

Share This:

Schedule a
Planning Session

Free Monthly Newsletter

Get valuable information delivered to your inbox each month!

Special Reports

Image of Kids Protection Planning Guide

Kids Protection Planning Guide®

Emptying the Nest

Emptying the Nest: 8 Ways Your Estate Plan Changes When Your Children Become Adults