10/13/2026
I've sat across from too many families finding this out the hard way, so here's what I actually do for my own kids.
1. I name a guardian in writing. If something happens to both parents and there's nothing on paper, a judge who's never met your kids makes that call. I'm not leaving that to chance.
2. I name a backup guardian too. Life doesn't hand you a plan B, you have to write one yourself.
3. I update beneficiary designations after every big change. A divorce, a new baby, a death in the family, that paperwork doesn't update itself. It just sits there until someone catches it, usually too late.
4. I don't treat "my parents will just take them" as a plan. It's a hope, and hopes don't hold up in court.
5. I make sure my family knows where our documents actually are. A plan nobody can find in a crisis isn't a plan.
6. I review everything after a move, a new kid, or any major life change. Old paperwork can cause as much damage as none at all.
7. I don't assume a will covers everything. Once there's a house, a business, or more than one kid involved, it's worth a real conversation about what else needs to be in place.
8. I have the hard conversation with my spouse about what happens if we're both gone. The families who struggle most are the ones who put that conversation off.
9. I keep it simple when it comes to my kids. They don't need the details. They need to know we thought about it.
10. I don't let "we did it once" be the plan forever. I've sat across from too many families whose five-year-old paperwork no longer matched their life.
It doesn't take much to fix any of this. It just takes doing it before you need it.
What's the one you've been putting off?