Death and dying are horrible topics for children to talk about. It’s really scary for them to imagine a life without you.

But it could happen, and you should have age-appropriate conversations with them.

Don’t be Morbid Mom or Downer Dad about the topic.

In fact, there is nothing wrong with a bit humor, if you can manage it.

Regardless of your discussions with your children – you must have conversations with the other adults in your and your children’s lives – about the aftermath of your or your partner’s or spouse’s passing.

Single or married – get wills.
Step parents, same-gender couples – get wills.
Divorced parents – get wills.

The process of making a will causes you to address other topics too: guardianship; medical advocacy and end of life issues -all these issues will affect your children.

Begin with Liz Pulliam Weston’s MSN Money column. She asks Who will take care of your kids if you die? That will get you thinking and organized.

Next, look at this Florida Bar tip sheet that starts off with the question: Do you have a will?

Get additional information from the Florida Bar on what and why you should initiate other directives.

Doing some homework upfront will give you starting talking points when you meet with your attorney to get the paperwork done – and basically make you aware of what you DON’T know and why you need to know it.

Local law firms. such as Molder Legal Group P.A. in Plantation, can educate you on Florida-specific laws and procedures beginning with its 3-part series blog on parents and estate-planning.

Fort Lauderdale attorney Robin L. Bodiford of the Law offices of Robin L. Bodiford PA co-authored A Simplified Guide to Creating a Personal Will.

Both law firms help single people and same-gendered couples navigate the often confusing and not very friendly legal landscape related specifically to their circumstances.

Ask your lawyer what the costs will be. It can vary for a single individual to a couple. It depends on if you just do the will, or if you are going to do trusts, living wills and other directives. Ours began with starting costs at around $2,000 and go from there.

Last year, I blogged about my experience getting a will. I’m not for one moment sorry I went through it – or put my family through it.

It’s never too late.

And if you need an occasion (I chose Valentine’s Day because ‘I heart’ everyone) then consider the upcoming Memorial Day holiday, or Father’s Day in June.

Or how about just a: I-love-my-family-everyday Day?

You can also follow Cindy Kent on Twitter @mindingyourbiz