Why You Should Include Minor Children in Your Estate Plan

When you’re raising young children, creating an estate plan may feel like something you can put off for another day. But if you have minor children, building a thoughtful estate plan is one of the most important steps you can take to protect them—both legally and financially—if the unexpected happens.

Appointing a Guardian You Trust

If something were to happen to you, the court will decide who raises your children unless you’ve named a legal guardian in your estate plan. By choosing a guardian yourself, you ensure your children are cared for by someone who shares your values, parenting style, and long-term vision for their future.

Providing Financial Protection

Minor children cannot directly inherit assets. Without an estate plan, a court-appointed conservator will manage any funds on their behalf—and the money may be released to the child at age 18, regardless of their maturity or financial readiness. Through a will or trust, you can:

• Designate who manages your children’s inheritance
• Control when and how the funds are used
• Protect assets until your children reach an appropriate age

Ensuring Continuity and Stability

An estate plan helps minimize confusion and conflict during an already stressful time. By clearly outlining your wishes, you give your children the best chance at a stable, predictable transition if they suddenly need care from someone else.

Making Medical and Educational Intentions Clear

Your estate plan can include instructions for your children’s health care, education, religious upbringing, or special needs. These guidelines help your chosen guardian make decisions that align with your priorities and values.

Peace of Mind for Your Family

While no parent wants to imagine a situation where their children must grow up without them, putting the right legal protections in place ensures they will be supported—and that your wishes will be honored. A well-crafted estate plan offers peace of mind, knowing your children’s future is secure.

If you have questions about naming a guardian, setting up a trust, or creating a comprehensive plan for your family, our office is here to help guide you through each step.