A 2012 Fidelity study finds that nearly one-quarter of adult children think their parents need help when it comes to financial planning — especially retirement planning and avoiding scams. Nearly all seniors, however, do not think they need any help. For those adult kids who want to have a money talk with their folks, it helps to lay some ground rules: Don’t cop a smarter-than-thou attitude, don’t tell the parents what they “should” do, and bring a trustworthy third party, such as a financial advisor.

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