A conversation about estate planning can begin with care rather than urgency. You may want to understand how your parents would like to be helped, who they trust to make decisions, and where important information can be found. The purpose is to support their choices and independence.
Choose a comfortable setting
Find a private time when no one is rushed. A large family gathering may not be the right setting for discussing personal finances or medical wishes. You could begin by describing your own planning or asking whether they have someone they would want contacted in an emergency.
Respect how much your parents want to share. They may be comfortable confirming that a plan exists without discussing its distributions. Having an adult child involved can be helpful, but the parents remain the decision-makers while they have the capacity to make those decisions.
Ask about practical help
Useful questions include who has been named under a durable power of attorney, who should receive medical information, and where the signed documents are kept. Ask whether the chosen people know about their roles and whether there are suitable alternatives.
A designation of health care surrogate can identify someone to make medical decisions or receive health information under the document’s terms. Florida permits specified authority to begin immediately if the document provides for it, while a person with decision-making capacity retains control. A living will can express treatment preferences for the circumstances covered by that document.
Funeral and burial wishes are also worth discussing, but they should be readily accessible to the people who may need them promptly. Instructions left only in a will may not be found in time for immediate arrangements.
Offer support without taking over
You might help organize a list of accounts and advisers, arrange transportation to a meeting, or gather existing documents at your parents’ request. Do not assume that having a password or being the nearest relative authorizes you to act on their behalf.
Questions about inheritances can be sensitive. Keeping the discussion centered on the parents’ wishes and practical needs often makes it easier to talk. If family tensions are present, a private consultation with independent counsel may help the parent express preferences freely.
Our role is to listen, explain the choices, and help the client prepare a workable estate plan. If you are preparing for a family planning conversation, begin with what would help your parents feel informed and supported.
Sources: Health care surrogate designation.
Updated October 26, 2026.