Estate Planning for the Sandwich Generation: Don’t Wait for a Crisis

Estate planning isn’t just for retirees. Sandwich Generation families must plan proactively to manage aging parents and protect their own legacy.

You’re Managing Two Generations—Now Protect Both

As you assist aging parents and raise children, your estate plan becomes the backbone of financial clarity. Without it, confusion and conflict often follow.

Critical Documents You and Your Parents Need

Ensure the following are up to date for each generation:

• Durable Power of Attorney

• Healthcare Proxy

• Will and/or Revocable Living Trust

• HIPAA Authorization Forms

Protect Your Legacy With Trusts and Beneficiary Reviews

Set up trusts to direct how wealth is passed on. Review beneficiary designations on retirement accounts—these override wills and are often outdated.

Talk With Your Family—While You Still Can

The most successful estate plans include communication. Start with honest conversations about wishes, caregiving expectations, and inheritance priorities.

What Should I Do Next ?

Don’t wait for a crisis. Let’s build a plan that gives your family clarity, confidence, and control.