Proper planning towards old age

With my mum's situation (kidney dialysis) and pre-mature decease of two clients last month, I wanted to write, but is difficult to pen.

I have finalised the claims for the deceased, and payout is fast and prompt.Settled.

These are facts of life that some time, we refuse to face the reality to plan.

1. Planning to care for parents and self as old folk ourselves in future to come (vivolife & Shield Plan)

2. Financial Planning covering liabilities ( assets and family needs)

3. Planning to meet contingencies in pre-mature death ( Family needs and children's education )

4. Retirement planning ( Long term medical need and self financial independence )

These are milestones in life. It embodies Protection, Savings, Health care and Retirement. Still the same 4 core needs of life.

I know it will hit hard, as I relate and unfold the story, but how to bring it out nicely, so as not to hurt the feeling but with reality, is a challenge.

I can write in one long email or divide into 4 topics, but it will be long and some time difficult to accept.

Can write and think until cow come home, but in reality, it is a responsibility to look into the interest of planning it well for my clients too.

I hope we can take a moment to consider our responsibility to our parents, family and self, not to burden the next generation. Is mind boggling but is necessary to ponder and plan for the minimum we can.

Sorry, life is not to be so gloomy, plan it essentially right and enjoy the life with your family.

Essentially back to basics.