The "sandwich generation" refers to a generation of adults whose financial resources are divided among themselves, their children and their aging parents. This generation is facing a shift from traditional self-reliance to more reliance on financial resources. Financial planning experts suggest that this shift in approach requires proactive conversations about finances, starting with the individual's finances. Sarah Daya, central division lead for wealth planning and advice at J.P. Morgan Wealth Management, suggests building a strong emergency fund and setting aside flexible spending accounts for expenses related to day care. David Brinkman, partner in the Columbus office of Schneider Downs Wealth Management Advisors, suggests that the sandwich generation should fully assess their finances and prepare for unexpected situations like college expenses.