Your mom told you not to worry. She had everything handled. Then you went to the bank.

When most people start thinking about estate planning, they ask the same question:

“Do I need a will, or do I need a trust?”

The holidays bring families together—but they also create space for the conversations we often avoid.

Talking about death and money doesn’t have to be uncomfortable or fear-driven. When approached with intention, estate planning becomes one of the most meaningful expressions of love you can offer your family.

This season, consider starting a conversation that brings clarity, not anxiety—and then take the next step to ensure your wishes are carried out with care.

Read more about turning heartfelt conversations into lasting protection through Life & Legacy Planning.

Most families focus on building wealth — few focus on keeping it.
The truth is sobering: by the second generation, most fortunes are gone. By the third, 90% of family wealth has vanished. Not because parents didn’t care, but because critical pieces of planning were missing.