{"id":57758,"date":"2020-06-16T17:46:00","date_gmt":"2020-06-16T17:46:00","guid":{"rendered":""},"modified":"2024-01-19T13:21:39","modified_gmt":"2024-01-19T18:21:39","slug":"talking-to-your-parents-about-their-estate-plan","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/will-and-estate-planning\/talking-to-your-parents-about-their-estate-plan\/","title":{"rendered":"Talking to Your Parents About Their Estate Plan"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/parenting\/\">\n\t\t\t\t\t\t\t<span>Parenting<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Talking to Your Parents About Their Estate Plan<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Leanne Kaufman<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default_402x-26-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default_402x-26-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default_402x-26-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default_402x-26-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Talking to Your Parents About Their Estate Plan &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/will-and-estate-planning\/talking-to-your-parents-about-their-estate-plan\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/will-and-estate-planning\/talking-to-your-parents-about-their-estate-plan\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published June 16, 2020 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p><em>This article was originally published by<a href=\"https:\/\/www.wellspent.co\/post\/talking-to-your-parents-about-their-estate-plan\" target=\"_blank\" rel=\"noopener noreferrer\"> Wellspent<\/a> on May 25, 2020.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<p>For many, the topic was awkward, may have seemed morbid, and just wasn&#8217;t a top priority. But then COVID-19 hit North America. Almost overnight, getting a Will, powers of attorney and other estate planning documentation in place became top of mind for people in all demographics, across our society.<\/p>\n\n\n\n<p>Isolating at home, it&#8217;s difficult to escape thoughts about mortality, and the vulnerability that each of us may have. Our thoughts may have turned to our parents or other loved ones, wondering what plans they have in place, and whether they&#8217;re looking to you to fill a role in those plans. Having a conversation with your parents and loved ones about their <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/solutions\/estate-solutions\" data-dig-id=\"LP-57758-58870cbd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"estate plans\" class=\"rbc-link-format\">estate plans<\/a> may feel awkward, even intrusive perhaps, but not if you approach it from a place of caring and concern.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Starting the conversation<\/h2>\n\n\n\n<p>Try starting with the basics, like confirming they have Wills and powers of attorney. Ask your parents how long ago the documents were drafted, and whether they&#8217;ve reviewed them recently to make sure they still reflect their wishes. Also ask where the original documents can be found, and who the key contacts are, like the lawyers and accountants that have worked with them.<\/p>\n\n\n\n<p>You may also want to understand who they&#8217;ve named as attorney, and as executor. An attorney, named in a <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/royal-trust\/video\/taking-over-power-of-attorney-of-a-loved-one\" data-dig-id=\"LP-57758-64610198\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"power of attorney\" class=\"rbc-link-format\">power of attorney<\/a>, is the person appointed to step into another person&#8217;s shoes while that other person is still alive, but unable or incapable of making decisions for themselves. An executor is the person appointed to wind up another person&#8217;s affairs upon their death. Both roles are huge responsibilities, and can involve a great deal of time, energy, and emotional burden.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Are you the executor or named as their attorney?<\/h3>\n\n\n\n<p>If you find out you are the named attorney or executor, take the time to research the role and make sure it&#8217;s something you feel you&#8217;re able to undertake. If not, that&#8217;s another conversation to have with your parents at a later date. If you&#8217;re the named attorney or executor, it&#8217;s also important to make sure you&#8217;ll have a full list of all of the assets they own, and any debts outstanding. Don&#8217;t forget about their digital assets and accounts \u2014 items that may have no paper trail, and accessible online only.<\/p>\n\n\n\n<p>A colleague, whom I respect a great deal, once told me that the greatest gift his father-in-law left them was a very organized file that told his family and executors everything they needed to know, and where to find it \u2014 a \u201cWhen I Die&#8221; folder, essentially. (My father-in-law created one of these for his children as well, but only as it pertained to his wine collection!)<\/p>\n\n\n\n<p>This conversation really should be a family affair, including all siblings or any other family members who are impacted by the plan. It will make things so much easier when the time comes if all family members have a good understanding of what the expectations are, ahead of time.<\/p>\n\n\n\n<p>And while you&#8217;re at it, don&#8217;t forget to think about your own Will and powers of attorney. If you were to become incapable of managing your own decisions, even temporarily as a result of hospitalization or otherwise, your loved ones would be forced to go to court to get authority to act on your behalf.<\/p>\n\n\n\n<p>It&#8217;s not easy to think about our own demise, becoming incapacitated, or our loved ones leaving us. Now, when some of us find ourselves with some extra time on our hands, we have the opportunity to start important conversations about estate planning. Planning that will help give you and your parents peace of mind knowing there are documents in place to ensure their wishes are met.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<h4 class=\"wp-block-heading\">RBC Royal Trust and RBC Wealth Management are business segments of the Royal Bank of Canada. Please <a href=\"https:\/\/www.rbc.com\/legal\/\" target=\"_blank\" rel=\"noopener noreferrer\">visit our legal page<\/a> for further information on the entities that are member companies of RBC Wealth Management. The content in this publication is provided for general information only and is not intended to provide any advice or endorse\/recommend the content contained in the publication. \u00ae\/TM Trademark(s) of Royal Bank of Canada. Used under license. \u00a9 Royal Bank of Canada 2020. All rights reserved.<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-89207f99-cb65-41ce-abde-e00e955f0976\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Talking to Your Parents About Their Estate Plan &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/will-and-estate-planning\/talking-to-your-parents-about-their-estate-plan\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/will-and-estate-planning\/talking-to-your-parents-about-their-estate-plan\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-5386cfbf-e571-451c-b9db-747deb150810\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/parenting\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Parenting<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Savings<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-617-1.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-617-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-617-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-617-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/\">\n\t\t\t\t\t\tPlanning for Retirement\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place\/\" class=\"card-title h4 mar-t-0\">Where Will You Live in Retirement? 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width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2023-01-11T162124.023-1.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"David Chilton, author of &quot;The Wealthy Barber&quot;\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2023-01-11T162124.023-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2023-01-11T162124.023-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2023-01-11T162124.023-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/ideas-and-voices\/the-wealthy-barber\/\">\n\t\t\t\t\t\tThe Wealthy Barber\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/ideas-and-voices\/the-wealthy-barber\/the-wealthy-barber-david-chilton-serves-up-a-wealth-of-financial-knowledge\/\" class=\"card-title h4 mar-t-0\">The Wealthy Barber David Chilton Serves Up a Wealth of Financial Knowledge<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-89207f99-cb65-41ce-abde-e00e955f0976 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-89207f99-cb65-41ce-abde-e00e955f0976 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-5386cfbf-e571-451c-b9db-747deb150810 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met.<\/p>\n","protected":false},"author":10,"featured_media":67304,"parent":57301,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[38,48],"rbc_content_type":[31],"rbc_audience":[39],"rbc_lob_group":[71],"rbc_difficulty_level":[33],"rbc_mmm_category":[358,315,303,314,313,354],"class_list":["post-57758","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-parenting","tag-savings","rbc_content_type-article","rbc_audience-parents","rbc_lob_group-investments","rbc_difficulty_level-beginner","rbc_mmm_category-death-of-a-family-member","rbc_mmm_category-finances-and-relationships","rbc_mmm_category-goals-aspirations","rbc_mmm_category-life-events","rbc_mmm_category-retirement","rbc_mmm_category-will-and-estate-planning"],"acf":{"contently_publication_id":"255530","custom_author":"Leanne Kaufman","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Planning will help give you and your parents peace of mind knowing there are documents in place to ensure their wishes are met\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/will-and-estate-planning\/talking-to-your-parents-about-their-estate-plan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Planning will help give you and your 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