Getting around to “The Talk” with your aging loved ones is never easy: no one likes to focus on the difficult decisions surrounding incapacity, financial insecurity or even end-of-life matters. But as tough as those conversations seem, experience underscores that it’s significantly more difficult to discuss these sensitive issues when a crisis happens.  And now, Fidelity has released a study highlighting what happens we these talks don’t occur. In matters concerning estate planning, retirement, caregiving and finances, there can be a wide gap between what parents desire and what adult children think they will be doing. In order to understand, and respect, the wishes of your aging loved ones, and to begin your conversations on these sensitive matters, Read This.