Appointing a Guardian: Ensuring Your Children's Future
- Nick Lofthouse

- Feb 6
- 3 min read

Secure Your Children's Well-Being with Thoughtful Planning
One of the most crucial decisions you’ll make as a parent is appointing a guardian to care for your children if the unthinkable happens. A guardian assumes legal responsibility for your children should both parents pass away before they reach adulthood, making essential decisions regarding their education, health, and living arrangements.
Choosing the Right Guardian
Many parents opt for a single guardian, though selecting a couple is also common. You can even choose different guardians for each child to best suit their individual needs. The appointed guardian takes on parental responsibility, stepping into your role to ensure your child's well-being and future security.
When Does Guardianship Take Effect?
Guardianship usually begins upon the death of the second parent with parental responsibility and lasts until the child turns 18. If both parents have named different guardians, the individuals must collaborate to make decisions regarding the child’s upbringing.
Financial Considerations for Guardians
Guardians are not expected to use their personal resources for your child’s upbringing. To provide financial support, you can leave a pecuniary gift in your Will or establish trustees to manage funds for necessities such as school fees. Additionally, guardians may be eligible for government benefits, including the Guardian’s Allowance and Child Benefit, to assist with the child's care.
Guardianship for Stepchildren
If you have legal parental responsibility for your stepchildren, you can appoint a guardian for them. However, if the other biological parent holds parental responsibility, they will automatically assume guardianship unless legally specified otherwise.
The Importance of Making a Will
To ensure your children’s future is protected, appointing a guardian in your Will is essential. Without this provision, the courts will decide who takes responsibility for your children, potentially making choices that don’t align with your wishes. In some cases, children may even be placed in temporary care until guardianship is formally determined.
Discussing Guardianship with Potential Candidates
Appointing a guardian isn’t just about choosing someone trustworthy—it also involves having a meaningful conversation with them to ensure they are willing and prepared to take on this responsibility. Guardians must be at least 18 years old and cannot be a corporation or organisation.
Legal Documentation and Codicils
Your Will should explicitly state your chosen guardian(s), and it must be signed and dated to be legally valid. If you already have a Will but need to add a guardian, you can use a codicil to update your Will without altering the rest of its contents.
Have You Safeguarded Your Children’s Future?
By thoughtfully considering and legally appointing a guardian in your Will, you can safeguard your children's future and provide peace of mind. If you need guidance or legal assistance in making these vital decisions, I am here to help.
Contact me today for expert advice tailored to your specific circumstances.
ARTICLES DO NOT CONSTITUTE TAX, LEGAL, OR FINANCIAL ADVICE AND SHOULD NOT BE RELIED UPON AS SUCH. TAX TREATMENT DEPENDS ON THE INDIVIDUAL CIRCUMSTANCES OF EACH CLIENT AND MAY BE SUBJECT TO CHANGE IN THE FUTURE. FOR GUIDANCE, SEEK PROFESSIONAL ADVICE.
THE FINANCIAL CONDUCT AUTHORITY DOESN’T REGULATE WILLS, TRUST PLANNING AND MOST FORMS OF INHERITANCE TAX (IHT) PLANNING. SOME IHT PLANNING SOLUTIONS PUT YOUR MONEY AT RISK, AND YOU MAY GET BACK LESS THAN YOU INVESTED. IHT THRESHOLDS DEPEND ON INDIVIDUAL CIRCUMSTANCES AND THE LAW. TAX AND IHT RULES MAY CHANGE IN THE FUTURE.




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