HOW DO I CHOOSE A GUARDIAN FOR MY CHILDREN?

Choose a Personal Guardian — Someone to Raise Your Children in the Unlikely Event You Can’t

If your children are young, you’ve probably thought about who would raise them if for some reason you or another parent couldn’t. It’s not an easy thing to consider, but with a simple arrangement of a guardian in your will, you can feel sure that, in the extremely unlikely event you can’t raise your kids, they will be well cared for.

Naming a Personal Guardian

You should name one personal guardian (and one alternate, in case your first choice can’t serve) for each of your children.

Legally, you may name more than one guardian, but it’s generally not a good idea because of the possibility that the co-guardians will later disagree. On the other hand, if you prefer that two people care for your child, for example, a stable couple who would act as co-parents, name both of them, so that they each have the legal power to make important decisions on behalf of your child.

Here are some factors to consider when choosing a personal guardian:

• Is the prospective guardian old enough? (You must choose an adult – 18 years old in most states.)
• Does the prospective guardian have a genuine concern for your children’s welfare?
• Is the prospective guardian physically able to handle the job?
• Does he or she have the time?
• Does he or she have kids of an age close to that of your children?
• Can you provide enough assets to raise the children? If not, can your prospective guardian afford to bring them up?
• Does the prospective guardian share your moral beliefs?
• Would your children have to move?

If you’re having a hard time choosing someone, take some time to talk with the person you’re considering. One or more of your candidates may not be willing or able to accept the responsibility, or their feelings about acting as guardian may help you decide.

Choosing Different Guardians for Different Children

Most people want their children to stay together; if you do, name the same personal guardian for all of your kids.

You can, however, name different personal guardians for different children. Some parents may do this if their children are not close in age or if they have strong attachments to different adults outside of the immediate family. For instance, one child may spend a lot of time with a grandparent while another child may be close to an aunt and uncle. Or, if you have children from different marriages, they may be close to different adults. In every situation, you want to choose the personal guardian you believe would be best able to care for each child.

Choosing a Different Person to Watch the Checkbook

Some parents name one person to be the children’s personal guardian and a different person to look after financial matters. Often this is because the person who would be the best surrogate parent would not be the best person to handle the money.

For example, you might feel that your brother-in-law would provide the most stable, loving home for your kids, but you don’t have much faith in his abilities as a financial manager. Perhaps you have a close friend who cares about your kids and would be better at dealing with the economic aspects of bringing them up. Provided that your brother-in-law and your friend agree and you trust them to get along in the best interests of your children, you can name one as personal guardian and the other as custodian or trustee to manage your children’s inheritance.

If You and the Other Parent Can’t Agree

When you and your child’s other parent make your wills, you should name the same person as personal guardian. If you don’t agree on whom to name, there could be a court fight if both of you die while the child is still a minor. Faced with conflicting wishes, a judge would have to make a choice based on the evidence of what’s in the best interests of your child.

Writing a Letter of Explanation

Leaving a written explanation may be important if you think that a judge could have reason to question your choice of personal guardian.

Judges are required to act in the child’s best interests, so in your letter explain why your choice is best for your child. Here are some issues the judge will consider:

• the child’s preference, to the extent it can be ascertained
• who will provide the greatest stability and continuity of care
• who will best meet the child’s needs
• the relationships between the child and the adults being considered for guardian; and
• the moral fitness and conduct of the proposed guardians.

Writing an explanatory letter may be a good idea if you don’t want the other parent to raise your child or children. You may not trust your child’s other parent to care for your child if something happens to you. However, a judge will grant custody to a child’s surviving parent unless that parent has legally abandoned the child or is clearly unfit. In most cases, it is difficult to prove that a parent is unfit, unless he or she has serious problems such as chronic drug or alcohol abuse, mental illness, or a history of child abuse.

If you honestly believe the other parent is incapable of caring for your children properly, or simply won’t assume the responsibility, you should write a letter explaining why.