Tyler End has had to have money conversations with his mom, who is in her 70s. Courtesy of Tyler End Tyler End says decumulating wealth requires planning, just like accumulating it did. He says he often sees people plan for worst-case scenarios, skipping over more likely ones. Understanding Medicare and Medicaid is critical, he adds. This as-told-to essay is based on a conversation with Tyler End , cofounder and CEO of Retirable . It has been edited for length and clarity. Death and long-term care are two things people don't want to talk about, ever. When you add in money, it gets even more complicated. Talking about money and aging is my job, but it still isn't easy to discuss those things with my own mom, who is in her 70s. Still, I know these difficult conversations are worth having. My mom is a single public school teacher who doesn't have the type of assets that many wealth management firms require — she's the reason I started a company focused on helping everyday people retire.…