戴安娜·帕尔米里（Diana Palmieri）
我清楚地记得我的祖母还活着。我的母亲和她会争论她的支票簿。当时97岁的我的祖母坚持认为，她的支票簿中的余额已经取消了几美元。然后她问我母亲是否付了所有账单，最后问我母亲是否正在从她的帐户中偷钱。然后我的祖母不高兴，坚持我母亲夺走了她的尊严。在我访问期间，他们有大约10次的论点。
我母亲本来可以做的不同的是，大约十年前，试图将这些任务放在她的手表上。我的母亲从来没有想过我的祖母会活到100岁，但她做到了，直到她过去的那一天，他们几乎都为自己的财务而战。
让您的父母将所有财务责任移交给您非常困难。您必须从小开始，让他们感到自己没有将他们当作孩子或从他们身上夺走东西。
Here are some important items to consider and discuss:
持久的授权书。If your parents do not have this valuable legal document in place and an emergency situation arose where you were forced to take over their finances, you would have to go to the state to get guardianship over them. This can be a long process. Talk to your parents today about this.
每月费用和收入。Is there still a car payment? Reverse mortgage? Property taxes? Medical bills? Credit card debt? Do they get a pension? Social Security? Do they have brokerage accounts or CDs that they receive income from?
他们如何支付账单。他们会以电子方式缴税吗？他们如何支付医疗费用，公用事业，so？
Long-Term Health Care.他们有长期医疗保险吗?如果they do, find out their benefits within the plan. These benefits will include deductibles, elimination periods, daily benefits, etc. If they do not, do you know what to do in the event you have to put them in a nursing home or assisted living facility? If necessary, consult an elder care attorney to guide you through the process.
金融计划。Do they currently have a financial advisor that you’ve met or know of? It’s a good idea to get to know who is handling your parents’ money. That way, they know who you are in an emergency.
While these are deeply personal subjects and may not be easy to talk about, perhaps involving a trusted third party, such as a financial advisor or family friend, could help ease the discussion. If you have siblings, keep them in the loop about what’s going on. Also keep in mind that on quarter of folks over the age of 65, and half over the age of 85, have some sort of cognitive impairment. You don’t want to end up like my mother, arguing with her mother into the wee hours of the morning about an unbalanced checkbook.
本文中包含的信息并非旨在构成法律，会计，税收，投资，咨询或其他专业建议或服务。有关适用于您情况的特定信息，您应该咨询合格的税务顾问。根据IRS通函230披露，并确保遵守美国国税局的要求，我们通知您，本文中包含的任何税收建议均不打算或编写用于使用，也不能被任何纳税人使用为了（1）避免根据《美国国税税法》或（2）促进，营销或向另一方推荐与税收有关的任何与税收有关的事项的目的。
戴安娜·帕尔米里（Diana Palmieri）在范德比尔特证券有限责任公司和H Beck Inc.中进行双重注册，该公司没有附属。通过Vanderbilt Securities LLC，SIPC/FINRA/MSRB成员提供的证券。
