Holiday gatherings may present an opportunity to talk to your parents about important money issues, such as estate planning or long-term care. The need to discuss this stuff may feel particularly acute if you don’t see your folks often or these are the first holidays you’ll be together since the pandemic started.

Tread carefully, though, because these discussions can easily go wrong. Diligent preparation, the right approach and a respectful attitude can help your family tackle potentially uncomfortable subjects without ruining the holiday, advises Amy Goyer, AARP’s national family and caregiving expert.

In my latest for the Associated Press, learn the steps to talk to your parents about money.