What Happens to Your Kids — and Their Money — If You’re Not Around?

What Happens to Your Kids — and Their Money — If You’re Not Around?

What Happens to Your Kids — and Their Money — If You’re Not Around?

You’re a Parent. You’d Do Anything to Protect Your Kids.

You’re already doing it — working hard, saving, maybe even paying for life insurance.

But if something happened to you and your spouse… do you know who would raise your kids?

And even more important: do you know who would manage their money?

Because unless you’ve put the right legal plan in place, the answer to both might be:

A JUDGE YOU'VE NEVER MET

🎥 Watch: You’re already paying for life insurance. But unless you have a trust and a will, a judge — not you — might decide who raises your kids and manages their money.

Who Decides Who Raises Your Kids?

Lock In Your Guardianship Plan

You Need a Will and a Trust: Here’s Why

Most people think a will is enough. But here’s how it really works:

  • Your will is the document that names who you want to raise your children — your guardian.
  • Your trust is what decides how your money is managed for your kids — and who’s in charge of it.

If you don’t have either?

  • A judge will pick the guardian, and they may not choose who you would have.
  • A court will appoint someone to manage the money, and they may not know (or care) how you’d want it spent.
  • Without a trust, assets may go directly to your child when they turn 18 — even if they’re not ready to handle that kind of responsibility.

Most parents prefer to give their kids a little more guidance and structure, especially when it comes to large sums of money or important life decisions.

What a Trust Actually Does

A revocable living trust lets you:

  • ✅ Choose a trusted adult to manage the money
  • ✅ Set rules for how (and when) your kids can use it
  • ✅ Delay direct access until a responsible age (e.g., 25 or 30)
  • ✅ Make sure the money is used for the things you care about — school, health, housing
  • ✅ Keep everything out of court and out of the public eye

And your will still names the guardians you trust to raise your children if you’re not here to do it yourself.

Together, they work as your family’s emergency plan: a plan you hope never needs to be used, but one that matters more than almost anything.

Want to Make Sure Everything Is Covered?

I help families all over Northwest Arkansas and Southwest Missouri get their legal plans in place — without the stress or confusion.

You’ve already done the hardest part: You care enough to plan.

Now let’s make sure the legal side matches your intentions.

Schedule Your Free 15 Minute Consultation Now!

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This post is for informational purposes only and is not legal advice. Estate planning strategies depend on individual circumstances and state laws.

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