"It's like the facts of life talk with our kids; no one wants to have it, but you have to do it," says Eleanor Blayney, consumer advocate for the Certified Financial Planner Board of Standards. "People worry that if they sit down with Mom or Dad, it will be awkward or difficult. But it's important to open up about your goals and aspirations, and then ask people in the family what their situation is. You model the conversation by sharing where you are."
Conversely, Blayney says these meetings may go "one generation up," where the needs of aging parents or grandparents get discussed. That gets tricky for many, as three out of four Americans have never discussed long-term care with their loved ones, according to Genworth's 2011 Financial Reality Check Study.
If that subject is on the agenda, "Be straightforward and don't take family members by surprise," says Genworth national spokesperson Wendy Boglioli. "Tell your family that you have something important you want to talk about and do it in a comfortable, pleasant setting."
"With elder parents, you have to ask them if they need some help with living expenses, medical expenses, all sorts of things," adds Bob Stammers, head of investor education for the CFA Institute, a global nonprofit of investment professionals from more than 100 countries. "Some people don't like to talk about it, and so you have to come at it from the heart. The older generation doesn't like to admit they need some help."
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