Mistakes to Avoid When Planning for Your Kids — No Matter Their Age

On this National Sons & Daughters Day, we celebrate the joy our children bring, whether they’re still in pigtails or raising families of their own. One of the greatest gifts you can give them is a plan that protects them, now and in the future. Here are common mistakes I see that can cause unnecessary stress, conflict, or loss.

Mistake #1 — Not Naming a Guardian for Minor Children

Without a legal guardian named, the court, not you, decides who will raise your kids if something happens to you.

Mistake #2 — Not Protecting an Inheritance from Life’s Curveballs

Without a trust, your child’s inheritance could be lost to divorce, creditors, lawsuits, or poor financial decisions, even if they’re an adult.

Mistake #3 — Overlooking Special Needs Planning

If a child has a disability, leaving them money outright can jeopardize government benefits. A special needs trust can protect both benefits and quality of life.

Mistake #4 — Forgetting Incapacity Planning

Planning isn’t just for after you’re gone. If you’re unable to make decisions temporarily, who can access accounts, pay bills, or care for dependents?

Love is more than words or celebration posts — it’s making sure your kids are secure, no matter their age or what life brings. This National Sons & Daughters Day, review your plan and reach out to me to get the conversation started for getting the peace of mind you deserve to safeguard their futures!