Most people learn which topics of conversation are impolite — including money — at a relatively young age. This can make it hard for some people to approach the topic of money and financial security with their parents. For adults in Florida who need to talk with their parents about money, estate planning and long-term care, here are a few tips for getting started.

Timing is important when approaching an uncomfortable conversation. However, it is not advisable to start the long-term care conversation just because all of the adult siblings are present or because everyone is gathered for the holiday. A family gathering may include a number of unpredictable factors, such as alcohol and input from family members who are not familiar with the situation. Children and those who should not be involved in such conversations may also be around, so pick a specific date and stick with it.

It is also a good idea to be direct and to the point about the topic of the conversation. Keeping things vague tends to put people on edge and may make them feel worried. Instead, bring up the topic directly when asking to meet and again at the start of the conversation. This is especially important for individuals whose parents have serious health problems, such as Alzheimer’s.

Even though being direct is best, do not make money be the focal point of the conversation. Instead, focus on the big-picture matters and then focus down to the details. For example, a person may choose to ask his or her parents what they think retirement will look like. This makes it easier to support and encourage parents to craft an estate and long-term care plan that supports that future.

Talking about long-term care and estate planning can be difficult. Some people prefer to not think about what the future may hold. Still, it is important to talk to parents and older loved ones about their plans for life after retirement. For some Florida families, having this conversation with an experienced attorney may be the most appropriate option.