For many families, the holidays are the one moment of the year when everyone comes together without the usual rush of deadlines, school schedules, or conflicting calendars.

And while nobody wants to turn a festive gathering into a financial seminar, these warm, unhurried moments can open the door to something surprisingly valuable: meaningful conversations about money, intentions, and the kind of legacy you want to leave.

These discussions don’t have to be heavy. In fact, when handled with a gentle touch, they can be among the most positive, affirming conversations you have with your family all year.

The biggest mistake people make when talking about money is assuming that it has to start with dollars and account balances. It doesn’t. A far more natural way to open up is to talk about y

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