Para muchos, se acercan dos grandes días de fiestas familiares. Puede ser el momento perfecto para que las familias hablen sobre sus finanzas.
Puede que sea un momento perfecto para una discusión sobre finanzas familiares … pero es una discusión que los padres a menudo evitan tener con sus hijos mayores.
Tener “la conversación”
Los planificadores financieros dicen que los adultos mayores necesitan discutir las finanzas con sus hijos adultos. Los hijos adultos también necesitan revisar cómo les está yendo a sus padres con sus finanzas.
Los hijos adultos a menudo no tienen idea dónde están sus padres financieramente hasta que hay una muerte. Eso deja a los miembros de la familia en una lucha salvaje para resolver las cosas, y también en un momento emocionalmente difícil. En cuanto a los hijos adultos, necesitan conocer la situación financiera de sus padres antes de que ocurra la demencia o la muerte.
¡¡INCÓMODO!!
Es una discusión que muchos padres evitan, incluso cuando comienzan a envejecer. Greg Hammer, presidente de Hammer Financial Group, Scherville, Indiana, dice que su clientela es principalmente jubilados y pre-jubilados. “Comienzas a lidiar con problemas de incapacidad, que siempre son conversaciones difíciles”, dice él.
“No es bueno no discutir las finanzas con sus hijos adultos”
“No es bueno no discutir las finanzas con sus hijos adultos”, dice Brooke May, socia de Evans May Wealth en Indianápolis, Indiana. “En cualquier momento, algo podría suceder, y quieres que alguien pueda intervenir, un contacto de confianza, pueda intervenir y ayudar con cualquiera que sea su intención”. Cuanto más estén al tanto y conscientes de lo que tienes, dónde lo tienes y cuáles son tus intenciones, mejor podrán ayudar en el momento en que llegue”, señala May.
Por qué los padres evitan las charlas de finanzas familiares
Pero los estadounidenses mayores a menudo evitan hablar de temas financieros con sus familias.
“Puede ser un desafío para algunos”, dice David D’Eredita, fundador de Rise Private Wealth Advisors en Tucson, Arizona. “El dinero es siempre un tema delicado y algunos simplemente no saben cómo abordarlo.
“Para mucha gente hablar de dinero es un tabú”
“Para mucha gente, hablar de dinero es un tabú”, añade May. “Así que simplemente no hay un nivel de comodidad allí. Pero creo que el otro problema es la posibilidad de perder el control sobre sus fondos, y no quieren hacerlo.
“No quieren renunciar a ninguna capacidad de tomar decisiones en su nombre. Y cuanta más gente se involucre en el circuito, más aptos serán para tener una opinión o intervenir ellos mismos si sienten que es necesario. Podría ser solo para evitar esa posible conversación en el futuro”, dice May.
D’Eredita dice que tiene varios clientes cuyo principal problema no es necesariamente impedir que los miembros de la familia sepan lo que tienen, pero no querer que sepan cuánto van a recibir.
“Ellos no quieren que sus hijos y tal vez el cónyuge y la familia de los niños, conozcan o tengan esta mentalidad, que ‘Bueno, cuando mamá y papá mueran, vamos a recibir todo este dinero’”, dice D’Eredita. “No quieren que se comporten de manera diferente hoy, porque esperan algún tipo de herencia en el futuro”.
Asesoramiento experto en finanzas familiares
- May dice que su firma pide a todos los clientes, cuando entran en los 70, que les den el nombre de un asesor de confianza. “Esto no sería un poder legal, o alguien tiene la autoridad para actuar por su cuenta. Es sólo alguien a quien podemos contactar si algo parece estar fuera de lugar”.
- Hammer dice que utiliza un organizador familiar que su empresa ayuda a sus clientes a crear. Contiene todos los activos independientemente de dónde se encuentren, archivados en un libro, dice él. Incluye contactos clave, cuentas bancarias, cuentas de inversión, pólizas de seguro y voluntades/fideicomisos y contraseñas.
- D’Eredita dice que una buena comunicación puede ayudarlo a evitar posibles problemas ahora. “La organización es clave, porque es un proceso prolongado, la limpieza de una finca”, dice D’Eredita. “No quieres que sea un proceso engorroso y difícil para uno o más de tus hijos. La sucesión puede llevar meses o años, y acumular miles en honorarios de abogados y impuestos.”
- El abuso financiero de las personas mayores va en aumento. Tenga en cuenta algunas de las señales.
- ¿Una discusión financiera familiar incluye testamentos, herencias y donaciones benéficas? Obtenga información aquí (en inglés).
Para obtener información sobre las muchas clases y recursos de Senior Planet sobre finanzas personales, visite aquí. Al incluir Senior Planet/OATS en su voluntad o plan de jubilación, se convertirá en un participante activo en el cambio del futuro del envejecimiento. Si tiene preguntas sobre la inclusión de OATS en su voluntad u otros tipos de donaciones planificadas, comuníquese con nosotros al 718-360-1707 o por correo electrónico a info@oats.org.
Rodney A. Brooks escribe sobre temas de jubilación y finanzas personales. Su columna se publica actualmente en U.S. News & World Report. El ha escrito columnas sobre la jubilación para The Washington Post y USA TODAY. También ha escrito para National Geographic, Next Avenue y la revista Black Enterprise. Se retiró como Editor gerente adjunto/columnista de finanzas personales y jubilación para USA TODAY en 2015.
Su uso de cualquier consejo financiero es a su discreción y riesgo. Seniorplanet.org y Older Adults Technology Services no reclaman ni prometen ningún resultado o éxito.
COMMENTS
Sign Up for Newsletters
There’s always a lot going on in the Senior Planet universe. Get our newsletters to make sure you never miss a thing!
Sign Up Now
Join Senior Planet Community
Senior Planet Community is our social media platform designed specifically for older adult users. Engage in thought-provoking discussions, make new friends, and share resources all on a safe and ad-free platform.
Join the Conversation Today
Upcoming Online Classes
Calendar of Events
S Sun
M Mon
T Tue
W Wed
T Thu
F Fri
S Sat
0 events,
16 events,
Good Morning, Senior Planet!
Good Morning, Senior Planet!
Start your week off right with a preview of the week's upcoming programs and a guided meditation session!
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
MyChart
MyChart
Learn how MyChart can help you keep all your health information in one place, communicate with your providers, and have a virtual visit.
Functional Strength Training
Functional Strength Training
Use bodyweight, bands, and dumbbells to build your strength.
Mandarin Multilingual Technology Program: 介紹: 智能手機的相機不只能用來拍照 (Smartphone Camera Uses Beyond Photography)
Mandarin Multilingual Technology Program: 介紹: 智能手機的相機不只能用來拍照 (Smartphone Camera Uses Beyond Photography)
快來瞭解 QR code 的功能與其他更多有趣內容!
14 events,
30
Stronger Bones
Stronger Bones
Activate the joints and muscles and increase mental focus during this exercise class.
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Introduction to Learning Apps – Languages & The Arts
Introduction to Learning Apps – Languages & The Arts
This presentation will introduce you to apps that help you learn different languages, explore the arts and art history, and even show you how to play instruments.
Smartphones at a Glance
Smartphones at a Glance
How smart are they? We'll tell you all about smartphones.
Intro to Chatting with AI
Intro to Chatting with AI
Learn how to make the most out of ChatGPT and other AI software.
14 events,
1
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Virtual Tour: Belfast, Ireland
Virtual Tour: Belfast, Ireland
Join Senior Planet and our tour guides from Discover Live for a virtual visit to Belfast, Ireland!
Fit Fusion Workout
Fit Fusion Workout
Get your heart pumping during this fun, high-energy workout!
點對點付款
點對點付款
如果您還不太了解點對點付款,快來聽聽這堂講座!
YouTube
YouTube
This presentation will give an overview of the free content available on YouTube and show you how to navigate the site with ease.
13 events,
2
Balance/Strength
Balance/Strength
Activate the joints and muscles to become limber and increase balance during this exercise class.
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Saving Money with Tech
Saving Money with Tech
Explore ways that tech can help you save money and manage your finances!
Internet of Things: Wearables
Internet of Things: Wearables
Learn about the health, wellness, and personal safety benefits of wearable technology.
Chair Yoga
Chair Yoga
Follow various cues to develop body alignment and breath awareness.
10 events,
3
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Internet of Things: Healthcare
Internet of Things: Healthcare
Come learn how the medical industry is embracing the Internet of Things (IoT) technology to treat patients remotely.
Introducción a la IA
Introducción a la IA
¡Venga a chatear con ChatGPT y aprenda sobre IA!
Taijiquan (Tai Chi)
Taijiquan (Tai Chi)
Relax your mind and strengthen your body with this gentle exercise class.
Introduction to Heart Rate Monitor Apps
Introduction to Heart Rate Monitor Apps
Did you know your phone can measure your heart rate? Learn about free heart rate monitor apps and why they can be useful.
0 events,
4
0 events,
5
13 events,
6
Good Morning, Senior Planet!
Good Morning, Senior Planet!
Start your week off right with a preview of the week's upcoming programs and a guided meditation session!
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Fitness Apps
Fitness Apps
Registration required.
Learn how fitness apps can help you track and conquer your goals!
Functional Strength Training
Functional Strength Training
Use bodyweight, bands, and dumbbells to build your strength.
Fit Fusion Workout
Fit Fusion Workout
Get your heart pumping during this fun, high-energy workout!
15 events,
7
Stronger Bones
Stronger Bones
Activate the joints and muscles and increase mental focus during this exercise class.
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Introduction to Heart Rate Monitor Apps
Introduction to Heart Rate Monitor Apps
Registration required.
Did you know your phone can measure your heart rate? Learn about free heart rate monitor apps and why they can be useful.
iPhones
iPhones
In this lecture you’ll learn about the latest iPhone, its features and what to consider if you’re thinking of buying one.
Chair Yoga
Chair Yoga
Follow various cues to develop body alignment and breath awareness.
13 events,
8
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Introduction to Estate Planning Resources & Tools
Introduction to Estate Planning Resources & Tools
Registration required.
A simple plan is better than no plan! Get to know a few free and low-cost resources that make it simple to plan your estate.
Fit Fusion Workout
Fit Fusion Workout
Get your heart pumping during this fun, high-energy workout!
智能手機攝影簡介
智能手機攝影簡介
在手機上也可以照下專頁的圖片!如果您對您手機上的這個功能還不清楚的話,您可別錯過這堂講座喔!
Anti-Virus & Malware Removal Programs At a Glance
Anti-Virus & Malware Removal Programs At a Glance
Registration required.
Concerned about viruses and malware? Attend this lecture to learn how to keep your device safe!
14 events,
9
Balance/Strength
Balance/Strength
Activate the joints and muscles to become limber and increase balance during this exercise class.
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Podcasts at a Glance
Podcasts at a Glance
Learn what Podcasts are and where to find them!
Introduction to Booking Vacation Stays Online
Introduction to Booking Vacation Stays Online
Need a vacation? Learn about popular websites and apps for booking vacation rentals.
Chair Yoga
Chair Yoga
Follow various cues to develop body alignment and breath awareness.
10 events,
10
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Introducción a chatear con IA
Introducción a chatear con IA
Aprenda cómo aprovechar al máximo ChatGPT y otros software de IA.
IoT: Smart Homes
IoT: Smart Homes
Want to live like the Jetsons? Learn how smart home technology is making that a reality!
Taijiquan (Tai Chi)
Taijiquan (Tai Chi)
Relax your mind and strengthen your body with this gentle exercise class.
Tech Tips for Disaster Preparedness
Tech Tips for Disaster Preparedness
Technology can play an important role in making sure you’re prepared for an emergency. Come to this lecture to find out how.
0 events,
11
0 events,
12
14 events,
13
Good Morning, Senior Planet!
Good Morning, Senior Planet!
Start your week off right with a preview of the week's upcoming programs and a guided meditation session!
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Functional Strength Training
Functional Strength Training
Use bodyweight, bands, and dumbbells to build your strength.
Mindfulness Apps
Mindfulness Apps
Registration required.
This lecture introduces mindfulness and its physical and mental benefits, such as reducing anxiety, improving memory, and lowering blood pressure.
Fit Fusion Workout
Fit Fusion Workout
Get your heart pumping during this fun, high-energy workout!
15 events,
14
Stronger Bones
Stronger Bones
Activate the joints and muscles and increase mental focus during this exercise class.
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Drones
Drones
Learn why more and more drones are taking to the skies!
Online Rx Drug Resources
Online Rx Drug Resources
Registration required.
Learn helpful tools for understanding drug costs, comparing pharmacy prices, and finding discounts and coupons.
Chair Yoga
Chair Yoga
Follow various cues to develop body alignment and breath awareness.
13 events,
15
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Virtual Museum Tours
Virtual Museum Tours
In this lecture we'll explore some of these virtual galleries, as well as digital tools that help bring art, architecture, and history to life!
Fit Fusion Workout
Fit Fusion Workout
Get your heart pumping during this fun, high-energy workout!
線上購物
線上購物
本講座將提供有關使用流行網站 Amazon.com 在線購買從洗碗精到日用雜貨等所有商品的一般介紹。
Intro to Smartphone Photography
Intro to Smartphone Photography
Say cheese! Learn more about your smartphone's camera.
13 events,
16
Balance/Strength
Balance/Strength
Activate the joints and muscles to become limber and increase balance during this exercise class.
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Messaging Apps
Messaging Apps
This lecture will go over the features of three widely-used apps: iMessages, Google Chats, and WhatsApp.
Intro to Selling Online
Intro to Selling Online
This lecture will introduce you to different online platforms for selling all kinds of items, including furniture, clothing, household items, and more.
Chair Yoga
Chair Yoga
Follow various cues to develop body alignment and breath awareness.
10 events,
17
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Introduction to Nextdoor
Introduction to Nextdoor
This presentation will introduce you to the most common uses for the Nextdoor app and its main features, along with some best practices for using it safely.
Usos cotidianos de la IA
Usos cotidianos de la IA
¡Todo el mundo habla de IA! Asista a esta clase para ver cómo la IA es parte de la vida cotidiana.
Taijiquan (Tai Chi)
Taijiquan (Tai Chi)
Relax your mind and strengthen your body with this gentle exercise class.
All Things Zoom
All Things Zoom
This lecture will go over how to use Zoom to chat with friends & family, and take virtual classes with Senior Planet!
0 events,
18
0 events,
19
15 events,
20
Good Morning, Senior Planet!
Good Morning, Senior Planet!
Start your week off right with a preview of the week's upcoming programs and a guided meditation session!
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Internet of Things at a Glance
Internet of Things at a Glance
Registration required.
This lecture provides an overview of the vast world of the Internet of Things and discusses best practices for keeping your devices secure.
Functional Strength Training
Functional Strength Training
Use bodyweight, bands, and dumbbells to build your strength.
Fit Fusion Workout
Fit Fusion Workout
Get your heart pumping during this fun, high-energy workout!
15 events,
21
Stronger Bones
Stronger Bones
Activate the joints and muscles and increase mental focus during this exercise class.
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Virtual Reality at a Glance
Virtual Reality at a Glance
Join us to learn about the exciting world of virtual reality and how you can experience it!
Internet of Things: Healthcare
Internet of Things: Healthcare
Registration required.
Come learn how the medical industry is embracing the Internet of Things (IoT) technology to treat patients remotely.
Chair Yoga
Chair Yoga
Follow various cues to develop body alignment and breath awareness.
12 events,
22
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Video Chat
Video Chat
In this lecture, you’ll find out about some commonly-used, no or low-cost video chat apps, learn about their features, and explore video chat tips so you can present your best self when on a video chat.
Fit Fusion Workout
Fit Fusion Workout
Get your heart pumping during this fun, high-energy workout!
YouTube
YouTube
歡迎您來學習如何使用 YouTube。
Social Media for Job Searches
Social Media for Job Searches
In this lecture, we’ll discuss ways to make sure social media helps you when you’re looking for work!
14 events,
23
Balance/Strength
Balance/Strength
Activate the joints and muscles to become limber and increase balance during this exercise class.
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Graphic Design Tools
Graphic Design Tools
In this presentation, we'll explore the popular design platform, Canva, and demonstrate how you can get very creative with basic tools like Google Slides.
Introduction to TikTok
Introduction to TikTok
This presentation will introduce you to TikTok, its rise to global popularity, and most common features, including privacy settings.
Intro to X (formerly Twitter)
Intro to X (formerly Twitter)
Like to know what's happening? Come learn about X (formerly Twitter)!
10 events,
24
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Generadores de imágenes de IA
Generadores de imágenes de IA
¡Consiga hacer algo más que figuras de palitos y haga que su imaginación cobre vida con generadores de imágenes de IA!
Intro to Gaming
Intro to Gaming
Game on! Come discover the world of gaming and start playing!
Taijiquan (Tai Chi)
Taijiquan (Tai Chi)
Relax your mind and strengthen your body with this gentle exercise class.
Digital Legacy at a Glance
Digital Legacy at a Glance
Will your digital content and social media pages live on forever? Come learn about your digital legacy options!
0 events,
25
0 events,
26
0 events,
27
15 events,
28
Stronger Bones
Stronger Bones
Activate the joints and muscles and increase mental focus during this exercise class.
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Smartphone Camera Uses Beyond Photography
Smartphone Camera Uses Beyond Photography
Come learn about QR codes, augmented reality apps, and more!
How to Choose a New Computer
How to Choose a New Computer
Registration required.
This informational session addresses some of the most common questions surrounding how to choose a new computer.
Chair Yoga
Chair Yoga
Follow various cues to develop body alignment and breath awareness.
12 events,
29
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Virtual Tour: Lima, Peru
Virtual Tour: Lima, Peru
Join Senior Planet and our tour guides from Discover Live for a virtual visit to Lima, Peru!
Fit Fusion Workout
Fit Fusion Workout
Get your heart pumping during this fun, high-energy workout!
訊息應用程式
訊息應用程式
這次的講座會談到三款普遍的應用程式:iMessages、 Google Chat 和 微信 WeChat。您會學到如何傳送訊息、圖片、使用音訊和視訊通話, 以及瞭解這些應用程式如何確保您的訊息安全。
Introduction to Learning Apps – Languages & The Arts
Introduction to Learning Apps – Languages & The Arts
This presentation will introduce you to apps that help you learn different languages, explore the arts and art history, and even show you how to play instruments.
12 events,
30
Balance/Strength
Balance/Strength
Activate the joints and muscles to become limber and increase balance during this exercise class.
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Digital Tools to Boost your Business
Digital Tools to Boost your Business
Learn about online tools to jump-start your start-up.
Chair Yoga
Chair Yoga
Follow various cues to develop body alignment and breath awareness.
Saving Money with Tech
Saving Money with Tech
Explore ways that tech can help you save money and manage your finances!
11 events,
31
Morning Stretch
Morning Stretch
Start your day with a short morning stretch!
Gardening Tech At a Glance
Gardening Tech At a Glance
Can tech give you a green thumb? Come to this lecture to find out!
¿Es eso IA?
¿Es eso IA?
¿Podemos realmente creer lo que vemos? ¡Venga a esta clase para acostumbrarse a reconocer la IA!
Taijiquan (Tai Chi)
Taijiquan (Tai Chi)
Relax your mind and strengthen your body with this gentle exercise class.
Understanding Bluetooth
Understanding Bluetooth
We’ll explain Bluetooth technology, how it works, and the way it impacts everyday life.
0 events,
1
Good Morning, Senior Planet!
Morning Stretch
MyChart
Functional Strength Training
Mandarin Multilingual Technology Program: 介紹: 智能手機的相機不只能用來拍照 (Smartphone Camera Uses Beyond Photography)
Stronger Bones
Morning Stretch
Introduction to Learning Apps – Languages & The Arts
Smartphones at a Glance
Intro to Chatting with AI
Morning Stretch
Virtual Tour: Belfast, Ireland
Fit Fusion Workout
點對點付款
YouTube
Balance/Strength
Morning Stretch
Saving Money with Tech
Internet of Things: Wearables
Chair Yoga
Morning Stretch
Internet of Things: Healthcare
Introducción a la IA
Taijiquan (Tai Chi)
Introduction to Heart Rate Monitor Apps
Good Morning, Senior Planet!
Morning Stretch
Fitness Apps
Functional Strength Training
Fit Fusion Workout
Good Morning, Senior Planet!
Morning Stretch
Fitness Apps
Functional Strength Training
Fit Fusion Workout
Stronger Bones
Morning Stretch
Introduction to Heart Rate Monitor Apps
iPhones
Chair Yoga
Morning Stretch
Introduction to Estate Planning Resources & Tools
Fit Fusion Workout
智能手機攝影簡介
Anti-Virus & Malware Removal Programs At a Glance
Balance/Strength
Morning Stretch
Podcasts at a Glance
Introduction to Booking Vacation Stays Online
Chair Yoga
Morning Stretch
Introducción a chatear con IA
IoT: Smart Homes
Taijiquan (Tai Chi)
Tech Tips for Disaster Preparedness
Good Morning, Senior Planet!
Morning Stretch
Functional Strength Training
Mindfulness Apps
Fit Fusion Workout
Stronger Bones
Morning Stretch
Drones
Online Rx Drug Resources
Chair Yoga
Morning Stretch
Virtual Museum Tours
Fit Fusion Workout
線上購物
Intro to Smartphone Photography
Balance/Strength
Morning Stretch
Messaging Apps
Intro to Selling Online
Chair Yoga
Morning Stretch
Introduction to Nextdoor
Usos cotidianos de la IA
Taijiquan (Tai Chi)
All Things Zoom
Good Morning, Senior Planet!
Morning Stretch
Internet of Things at a Glance
Functional Strength Training
Fit Fusion Workout
Stronger Bones
Morning Stretch
Virtual Reality at a Glance
Internet of Things: Healthcare
Chair Yoga
Morning Stretch
Video Chat
Fit Fusion Workout
YouTube
Social Media for Job Searches
Balance/Strength
Morning Stretch
Graphic Design Tools
Introduction to TikTok
Intro to X (formerly Twitter)
Morning Stretch
Generadores de imágenes de IA
Intro to Gaming
Taijiquan (Tai Chi)
Digital Legacy at a Glance
Stronger Bones
Morning Stretch
Smartphone Camera Uses Beyond Photography
How to Choose a New Computer
Chair Yoga
Morning Stretch
Virtual Tour: Lima, Peru
Fit Fusion Workout
訊息應用程式
Introduction to Learning Apps – Languages & The Arts
Balance/Strength
Morning Stretch
Digital Tools to Boost your Business
Chair Yoga
Saving Money with Tech
Morning Stretch
Gardening Tech At a Glance
¿Es eso IA?
Taijiquan (Tai Chi)
Understanding Bluetooth
Recent Articles
Recent Comments