i. Estate / May 14, 2026 / 7 min read The conversation most families never have, until they have to. Estate planning is rarely about money. It is almost always about the people who will be left to figure things out. We talk about how to make that easier, while everyone is still in the room. Rick Welsh Rick has spent thirty years sitting across from couples and their spreadsheets, asking the question this column is named for. He founded WFG in 2011. The notes here are the ones he tends to repeat across first meetings, written down so clients can take them home.
