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Picking a guardian under the threat of divorce

You decide to do your estate planning, and your assets are actually not your main concern. You want to get things set up for your children, who are still minors. As such, your first order of business is to pick guardians for the kids.

When many people arrive at this point in their lives, they pick another couple. That couple may or may not have children of their own, but they are still a married couple who can take the child in and raise them as part of their family.

While this may seem wise, and it can be if you pick the right people, experts do warn that divorce may happen. You cannot predict someone else's future. No matter how happy they seem at the moment, they could break up in the years to come.

This may mean that you want to expand your search. Consider single people as well if you think they will be a good fit. A couple is not always the best decision and could bring more instability to your child's life.

Another tactic is to pick one person, even when they're married. Maybe you want the children to live with your sibling. Just name your sibling alone. If they stay married, that's great, and your kids will live with their spouse, as well. If they break up, you still know that the children are going to the person you wanted.

Estate planning is very important, and you must consider everything carefully. Be sure you know about all of the options you have and how to put a plan in place.

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