The Family Legacy Conversation Guide

The Family Legacy Conversation Guide

A simple way to talk about what matters most—together

Talking about money, wishes, and the future doesn’t have to be uncomfortable. In fact, some of the most meaningful family moments come from these conversations. This guide is designed to make it easy, light, and surprisingly uplifting—so you can focus on clarity, connection, and peace of mind.

Before You Start: Set the Tone

• Pick a low-pressure moment: dinner at home, a walk, a holiday weekend, or a long car ride

• Keep it short and open-ended (this doesn’t have to be “the talk”)

• Lead with care, not control

You’re not planning for something bad—you’re planning for each other.

Step 1: Start With Values (Not Money)

This is where legacy really begins.

Try asking:

• “What do you hope our family is known for?”

• “What mattered most to your parents—and what do you want to carry forward?”

• “If our kids remembered one thing about us, what would you want it to be?”

💡 Why it matters: Values guide financial decisions, guardianship choices, and how wealth—big or small—is passed down.

Step 2: Talk About Life, Not Just ‘What Ifs’

Shift the focus from worst-case scenarios to real life.

Ask:

• “If something unexpected happened, who would you want making decisions for you?”

• “What would make things easier for our family in a stressful moment?”

• “Is there anything you’d want written down so no one has to guess?”

💡 Why it matters: Clear wishes reduce confusion, conflict, and emotional burden.

Step 3: Introduce the Practical Stuff (Gently)

This is where financial wellness comes into play—without spreadsheets or stress.

Cover the basics:

• Who should be contacted in an emergency?

• Where important documents live (insurance, accounts, passwords)

• Who would care for kids or pets if needed?

You don’t need every detail today—just enough clarity to avoid chaos.

Step 4: Share What You’ve Done (or Want to Do)

Instead of asking everyone to plan, lead by example.

You might say:

• “We’re putting our wishes in writing so you never have to wonder.”

• “We want to make sure our finances and plans actually work together.”

• “We’re doing this now so it’s not a burden later.”

💡 Why it matters: Normalizing planning makes it easier for everyone to participate.

Step 5: End With Reassurance

This conversation should leave people feeling lighter, not heavier.

Close with:

• “This isn’t about everything being perfect—just being prepared.”

• “We can keep this updated as life changes.”

• “I’m grateful we can talk about this.”

Conversation Starters (Keep These Handy)

• “If something happened tomorrow, what would you want us to know?”

• “What does ‘being prepared’ look like to you?”

• “What would bring you peace of mind?”

One Last Thought

Legacy isn’t about how much you have. It’s about clarity, care, and continuity.

When families talk openly about their wishes, finances, and values, they don’t just plan—they protect each other.

And that’s real financial wellness.

When you’re ready to put those conversations into action, GoodTrust makes it easy to turn your wishes into a clear, complete plan—so your family is protected, not guessing.