Even if you’ve always talked about personal finance and planning for later years, it’s not always easy to have these conversations with elderly parents.

There are gifts you find under the tree, gifts you exchange at White Elephant parties, and then there are gifts that are part of your estate plan.

Unless you’ve been the one to clean up after an inheritance disaster, it’s hard to comprehend how important estate planning is.

If you were suddenly and unexpectedly to become incapacitated, would your spouse or adult children know how an end-of-life care decision needed to be made?

Of all the gifts on your holiday list, perhaps the best one is to have your financial and estate paperwork organized, sparing your family the stress.

The holidays and spending time with family typically go hand-in-hand. As your family grows and changes, so should your estate plan.