Don’t Wait - Take the Time to Talk

November 30, 2018

Couple sitting on sofa talking and having coffee

“What if?” may be a hard question to ask ourselves, let alone discuss with a spouse or other family members. But you can make the discussion a positive experience by knowing you’ve tackled what is most important: your family’s future.

The holiday season may offer just the opportunity to discuss this important topic while your family members are gathered together. If something were to happen to you tomorrow, would your family know how to carry out your wishes? Following are some ways to make “breaking the ice” easier.

  1. Start simple. Instead of dwelling on what could happen, begin by looking at expenses (such as a mortgage or child care) that would still need to be covered if something were to happen to you or your spouse.
  2. Bring the positive into the conversation. What are your long-term goals for your family? Maybe they include traveling, buying a vacation home or sending the kids or grandkids to college. Discuss these as part of the larger conversation.
  3. Go through the process together. If you have a spouse or partner, prepare for the unexpected together. Making the decisions about insurance and other strategies together can feel empowering, especially if you both know how to implement the plan if the unexpected does happen.

Your financial advisor is always available to help you refine and communicate your strategy. But it takes a team approach – you, your financial advisor, CPA and attorney – to build a strategy that can help you live life while preparing for the unexpected. For more information or to schedule a family meeting, contact your local branch office today.

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