When most people hear the phrase estate planning, they imagine wealthy families dividing up vacation homes, stock portfolios, or sprawling estates. Or they assume it’s something you don’t need to think about until retirement. The truth is, estate planning is for everyone—no matter your age, stage of life, or financial situation.

Caring for aging parents can be rewarding, but it often comes with complex challenges. The adult children I see often express a strong desire to care for their parent, and when they begin doing so, they quickly discover they’re navigating unfamiliar waters.