When is the right time to talk to mom or dad about planning for the future?  Ideally, the earlier the better.  Usually when seniors are in their 70s is the best, unless signs of dementia or another health issue arises earlier.  It is important to understand your parent's healthcare and financial wishes and goals.  For most seniors, death is not their main fear but losing their independence is.  Planning for the future and having this conversation with mom or dad is not easy, as people do not want to think about a time when they'll need help and resources in order to continue to live independently.  It's important to have this conversation before a crisis hits.  Talk with your parents about their wishes regarding medical treatments, procedures, etc in the case that they are unable to make decisions for themselves.  Information that is discussed should be put into writing, a Living Will document.  Financial planning is also important and should be discussed with mom and dad.  These actions and steps should be lined out in a legal document.  By having this discussion early, the senior is not only verbalizing their wishes and goals but being responsible by planning for their future.