A Wells Fargo survey found that nearly half of all Americans would rather discuss funeral plans than financial plans with their parents. The discomfort about broaching these and similar topics can arise over concerns about appearing to expect an inheritance. Adult children might also wonder if they’re ready to handle responsibilities like caring for aging parents. And they could fear their parents will overreact or they will lead their parents to think they believe they’re experiencing health or financial troubles. To ensure you won’t need to guess in an emergency, find out your parents' financial, health-care, and legacy plans -- whether they’re already in place or should be considered. Here's how.