For Palm Beach parents, no estate planning decision feels more personal than choosing who would raise your children if you could not. Florida law gives you a clear way to state that wish, but it also draws a sharp line between who cares for your child and who manages the money you leave behind. This guide explains how the process works, what it costs, and how to avoid the gaps parents most often miss.
What your will can do
Under the Florida Probate Code, a parent can nominate a guardian for a minor child in their will (which must meet the execution requirements of Section 732.502, signed before two witnesses and ideally a notary for a self-proving affidavit). This nomination is your formal statement of preference. While a Florida court must still confirm the appointment, judges give significant weight to a parent’s documented choice, so naming a guardian in your will is by far the strongest step you can take.
Guardian of the person vs. guardian of the property
Florida distinguishes between the guardian of the person, who handles daily upbringing, schooling, and medical decisions, and the guardian of the property, who manages assets the child inherits. They can be the same person, but they do not have to be. A warm, loving relative in Palm Beach Gardens might be perfect for raising your children yet not the right choice to manage an inheritance, and vice versa. Naming each role intentionally is one of the most useful things parents can do.
Keep money out of a court-supervised guardianship
If a minor inherits assets outright, the property typically falls under court-supervised guardianship of the property, which means annual accountings, court oversight, and assets handed over in a lump sum at age 18. Most Palm Beach parents would rather not give an 18-year-old unrestricted access to a full inheritance. The fix is to pair your guardian nominations with a trust, often a revocable trust under Chapter 736 or a testamentary trust in your will, so funds are managed for the child’s benefit and released at ages you choose.
Choosing the right people
Think through values, location, age, and willingness. A guardian in the same area keeps children near their school and community; a guardian out of state means a bigger life change during an already hard time. Always name at least one backup in case your first choice cannot serve, and have a real conversation with the people you choose rather than surprising them later.
Cost and timeline
Naming a guardian is usually included in the cost of drafting a will or trust-based estate plan rather than billed separately, and Palm Beach attorneys commonly handle this as part of a flat-fee package. Drafting a basic plan with guardian nominations often takes a couple of weeks from your first meeting to signing. The more meaningful timeline is your own: this document only protects your children if it exists before it is needed.
Don’t rely on informal arrangements
A note in a drawer or a verbal promise to a sibling has no legal force in Florida. Without a valid will nominating a guardian, a court decides among competing relatives with no guidance from you, which can produce both conflict and an outcome you would never have chosen.
Consult a Florida attorney
Guardian nominations interact with wills, trusts, and Florida’s guardianship rules in ways that are easy to get wrong. Before finalizing your choices, speak with a licensed Florida estate planning attorney who can make sure both your children and their inheritance are protected.
Have a question about your estate?
Talk it through with Russel Morgan — free 30-minute consult.
For more on our Florida practice, see our overview of Florida estate planning. Morgan Legal Group's affiliated New York office also handles .