10 Guardian Mistakes That Could Put Your Kids at Risk (And How to Do It Right)
A Wake-Up Call from Barre
A few weeks ago, I sat down with a couple from Barre who wanted to update their wills after welcoming their second child. They felt confident – ready to name guardians and get documents signed. But as we talked through what would happen if they were suddenly hospitalized or in a car accident, they realized their thinking didn’t cover the immediate aftermath. Who would care for their kids that night? Would emergency responders know who to call? Would their children be placed with strangers, even temporarily?
These are the kinds of questions that often go unasked - and unanswered - until it’s too late.
Why Naming Guardians in Your Will Isn’t Enough
Many parents believe that naming guardians in a will is all they need to do. It’s a good start, but it doesn’t cover everything. In fact, there are ten common mistakes I see families make when planning for their children’s care.
1. Thinking a Will is Enough
A will only takes effect after death. It doesn’t help if you’re incapacitated. You need separate guardianship documents that address emergencies while you’re still living.
2. Planning Only for the Long-Term
If something happened today, who would care for your kids tonight? Without short-term guardians named, your children could end up in the care of strangers while authorities sort things out.
3. Not Naming a Guardian at All
If you haven’t named anyone, the courts will decide. That decision might not reflect your values or wishes.
4. Overlooking Backup Guardians
Your first choice might be unavailable. Always name backups to ensure your children are never left without a trusted adult.
5. Choosing Based on Finances Alone
Financial stability matters, but it’s not everything. Think about parenting style, emotional connection, and shared values. You can appoint someone else to manage finances through a trust.
6. Assuming Godparents Are Legal Guardians
Godparents are a spiritual designation, not a legal one. Without formal documents, they have no authority.
7. Not Thinking Beyond Guardianship
Who will make medical decisions? Who will manage money? A complete plan includes powers of attorney and trusts to cover all aspects of care.
8. Failing to Communicate Your Wishes
Your guardians need more than a name—they need guidance. Document your values, routines, and hopes for your children’s upbringing.
9. Not Reviewing Your Plan
Life changes. So should your plan. Revisit it regularly to make sure it still fits your family’s needs.
10. Naming a Couple Without a Contingency
What if your chosen guardians split up? Decide now who would take over, and under what circumstances.
What’s the Solution?
A Kids Protection Plan goes far beyond naming guardians. It creates a safety net that ensures your children are cared for immediately and long-term, by the people you trust most. It includes:
Legal documents for short- and long-term guardianship
Emergency instructions for caregivers and responders
Medical powers of attorney
A roadmap of your values and parenting wishes
This isn’t just paperwork - it’s peace of mind.
Ready to Protect Your Kids?
If you’re a parent in the state of Vermont and haven’t created a full guardianship plan, let’s talk. I offer a free 15-minute call to answer your questions about the planning process and help you take the first step toward protecting your children.
Warmly,
Sharon