L.B.
GREAT QUESTION!
Speaking as the mother of three who are 22, 19 & 17 the 'big talk' is really a never ending series of talks as opportunities arise.
Since I was told next to nothing about sex ed I have made it a point to answer all my kids questions. (I remember asking my mother 'what is a lesbian?' & she told me 'a person from Lesbia').
Of course the answers are age appropriate.
When I told my 4 year old I had a baby in my tummy he asked how it would come out. So I told him through a special hole. He asked where it was so I told him near the hole I use to pee. When he asked if he could see it I told him no he couldn't because it was private. Of course he asked how it got in my tummy so I told him daddy & I loved each other very much so we got very very close to each other & asked God to send us a baby. During their junior high years their sex ed classes prompted questions about masturbation, wet dreams, tampons and abortion.
There were other times that their questions caught me off guard so I bought some time by telling them we would talk about it later~ but I always made sure to get back to them with an answer. This has kept the trust & communication going so that to this day they feel free to come to me with their questions.
This was many years ago & I hear you can get some very helpful age appropriate books now.
I commend you on planning ahead.