Planning for the Care of Your Children

Jun 19, 2025

One of the most important things a parent can do is develop a plan for the care of their children should premature death occur. Unfortunately, parents of minor children often do not have legal documents in place to cover this care. If you are—or someone you know and love is—a parent of minor children, here are five planning considerations that will help you create (or review) your plan to care for your children.

1. Identify your people.

Your minor children will be at the top of your list, but there may be others who depend on you. Aging parents or family members with a disability may also need consideration. If you are a business owner, you may even want to consider key employees.

There are two biblical principles to consider in making your list. The first is that we have responsibility to care for those who are dependent upon us (see 1 Timothy 5). The second is that we can always give to those we love—even if they are not dependent—as God “so loved” in John 3:16.

2. Inventory your assets.

Here are some questions to consider while taking an inventory of your assets. What are they? When did you acquire them? What did they cost then? What are they worth now? How are they titled today?

3. Identify the guardians.

If you are not here to care for your people and manage your property, what is your ideal plan for who could replace you in the caregiving and decision-making process? Make a careful assessment of who can—and is willing—to serve. While many people choose immediate relatives to be guardians, not all (typically siblings and grandparents) can provide the desired care or environment. Talk to your top candidates to ensure they are willing, able, and not surprised by the responsibility.

4. Implement legal powers.

Giving a trusted individual the ability to make financial decisions in case of your inability is vital. Your estate plan will cover this if death occurs, but prior to death your assets could be locked down—creating a financial hardship for your dependents—unless you have appointed someone with this legal power. Of course, the companion to this financial power is a power to make health care decisions when you are unable.

5. Inspect your plans.

Life changes rapidly. Children grow, and relationships change. It is important to keep your plans up-to-date. Legal professionals often recommend a review every three years with additional reviews when life circumstances change.

Being a good steward includes looking beyond day-to-day events and planning for the future. Take the first step today to create your plan to ensure your dependents are cared for. And if you already have a plan in place, schedule a time to review your plan and make updates. Your wise stewardship will be a blessing to those you love.