If you have young children, estate planning isn’t optional — it’s essential. Without a plan in place, the state of Michigan will decide who raises your children and how your assets are distributed. For parents, this is one of the most powerful reasons to put a solid legal plan in place. Here’s how to make sure your kids are protected no matter what the future holds.

1. Name a Legal Guardian

This is the single most important step you can take as a parent. A guardian is the person who will care for your children if you and the other parent are no longer able to. Without naming a guardian in your will, the probate court will choose someone — and it may not be the person you would have picked. Also, name a backup guardian, and talk to your choice before listing them in your plan.

2. Create a Living Trust

Leaving assets directly to your children in a will means they’ll receive everything outright when they turn 18. A living trust allows you to:

• Delay distribution until a more appropriate age (e.g., 25 or 30)
• Appoint a trustee to manage the funds for education, housing, and life needs
• Avoid probate and maintain privacy

3. Set Up Financial & Medical Powers of Attorney

These documents allow someone you trust to step in and manage your financial or healthcare decisions if you become incapacitated. They ensure bills are paid, kids are cared for, and your medical wishes are honored — all without court involvement.

4. Include Life Insurance in Your Plan

Term life insurance is one of the easiest ways to provide your family with immediate financial support in the event of your passing.

The proceeds can help cover:

• Childcare and school expenses
• Mortgage or housing costs
• Everyday living needs

Why It Matters:

Without a clear plan, your child’s future could be tied up in lengthy court proceedings, family disputes, or left in the hands of someone unfamiliar with your values. Estate planning for families will give you control, peace of mind, and protection for the people who matter most.

At Boroja, Bernier & Associates, we specialize in helping Michigan families with young children create personalized plans that protect their kids and their legacy.
🔘 Book a free consultation today to discuss estate planning for your family.
📍 Serving: Macomb County • Oakland County • Southeast Michigan