There is a financial conversation most adults know they need to have with their aging parents, and almost no one has it early enough. Whether it is scattered accounts, unknown passwords, or outdated beneficiaries, the cost of waiting is measured in stress, lost time, and sometimes real money. In this episode, Jaime Cowper walks through a real client story where a son discovered his 90 year old father's accounts were far more aggressive than anyone realized. Jaime explains four practical steps to start this conversation with respect and clarity, covering everything from power of attorney to estate planning basics like gifting strategies and beneficiary designations. If you are an adult child wondering how to bring up money with aging parents, this episode was made for you.