Talking to adult children about the plan
Adult children need three facts: a plan exists, who the Legacy Steward is, and where the originals live. They do not need every balance or a private letter.
Silence feels like protection. To your kids, it usually turns into a scavenger hunt.
They don't need every balance or private letter. They need to know three things: a plan exists, who the Legacy Steward is, and where the originals live.
Pick an ordinary day. A kitchen table, not a holiday dinner. Say it in one breath:
"I filed the important papers. Alex is my Legacy Steward. The originals are in the fireproof box."
Then stop and let them ask.
With more than one child, say the roles out loud. Unspoken rank is how siblings end up hurt. A named role is kinder than a hint.
If a child isn't the steward, skip the speech: "Jordan will have the vault login. I love you both. This is just about paperwork."
You keep your private notes and passwords. You owe them the map.
P.S. Invite them in the vault right after you talk, so the conversation and the record match.