Keep the first conversation narrow. You do not need a full picture of your parents’ savings, pensions, debt and expenses in one sitting. Look for an opening that respects their pace and ask just one specific question. For instance, asking whether they have an updated will and power of attorney is concrete, practical and far less likely to feel critical than asking whether they have their debts under control.
Insolvency Guardian
Insolvency Services & Bankruptcy Advice
