Godparents & Guardians: What is the difference?

Godparents & Guardians: What is the difference?

So, you may have appointed Godparents for your children, whether in a religious ceremony or informally, but…

  • what does that mean? 
  • does that impose a legal obligation?
  • should you still appoint guardians?
  • can your guardians and godparents be different?
  • how is best to protect your children should you no longer be around?

Let’s take a look at these questions and have a look at what would happen to your children should the awful situation arise that their parents were no longer able to take care of them whilst they are still a minor.

There is an important distinction between Godparents and Guardians…no matter what we would like to think or would like to happen in an ideal world.

So, first things first…Godparents have no legal right or obligation to take care of your children, either during your lifetime or when you are no longer around. However, Guardians (appointed in your Will) do have a legal responsibility to take care of your children when you are no longer able to.

What is the role of a Godparent?

Being asked to be a Godparent is an absolute privilege (having three godchildren myself, I should know :)) but what does it mean?

A Godparent, whether present at a Christening Ceremony or Baptism, or asked informally, take a spiritual responsibility for their Godchild, whether that be in relation to the religious upbringing and spiritual upbringing or just generally being a close influence and role model for the child.

Appointing Guardians

Even where you have appointed Godparents for your children, you should still be appointing Guardians for them in your Will to ensure that they are taken care of, as you intended and by the people you trust most, should the worst happen and you no longer be around.

Your Guardian will only step into the role of having parental responsibility for your child should something happen to both you and their other parent – even if you are divorced, or separated, parental responsibility will trump a Guardian appointed in a Will.

If you want some more information on choosing the right Guardians, why not check out our article, written by Neil on how he chose the Guardians for his children?

Can your Guardians and Godparents be the same?

Yes!

Godparents are usually appointed when children are quite young and are rarely changed.

However, Guardians should be reviewed throughout your lifetime. The Guardians that you appoint when your children are young may be very different as they grow up and as the Guardians grow older too. For example, many people would choose their own parents as Guardians whilst their children are young, especially where you have a great relationship with your parents and they have an active role in their grandchild’s life, however, as your children grow up, your parents will grow older too and may not be able to take on the responsibility of bringing up your children should you no longer be around. That’s okay…your Guardians can be reviewed and changed at any time and we always recommend reviewing your Will every 3-5 years and so reviewing your Guardians at this time is ideal too.

Speaking to your proposed Guardians…

Speaking to your proposed Guardians may seem like a difficult conversation BUT imagine losing your loved ones and then finding out that you are now responsible for their children with NO PRIOR WARNING! Not ideal!

So, having that conversation with your proposed Guardians to discuss why you would like to appoint them and ensure they are comfortable with the decision and also to discuss any concerns or queries they may have so that everyone is on the same page is so important, not to mention being able to put everyone at ease and give you peace of mind.

It is important that your proposed Guardians know exactly what is involved and what their legal responsibilities are, as well as knowing how you want your children being brought up whether that be in relation to their education, home life, general welfare or anything else.

If you would like to discuss your Will and potential Guardians, call us on 01727 865 121 or email us at info@TotalLegacyCare.co.uk for a free discussion on how we can help.

Leah Waller

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Midwife, Louise Brennan, gives Top Tips for preparing for the arrival of your Baby

Midwife, Louise Brennan, gives Top Tips for preparing for the arrival of your Baby

 

On Tuesday 25 June 2019 at 8pm we will be chatting LIVE on our Facebook Page to Louise Brennan about all things pregnancy, antenatal, birth, postnatal and birth reflections…

Hi I’m Louise. I’m a midwife delivering a range of antenatal and postnatal services. I offer –

  • Antenatal classes for first time parents;
  • Antenatal classes for parents who already have children;
  • Postnatal support; and
  • Birth Reflections.

The aim of my antenatal classes is for the couple to understand the process of birth and to discuss the realities of having a baby while building confidence in their ability to birth their baby.

Here are my top tips on preparing for the arrival of your new baby:

Attend all your antenatal appointments. During your appointments, important checks are made on you and your baby to ensure you are both well. This is also an opportunity to ask any questions that you may have.

Buy things gradually – babies are expensive! To help spread the cost, shop throughout your pregnancy for the essentials that you will need such as nappies and wipes. Check your local supermarket for when baby products are on deal and bulk buy then.

Buy eco-friendly if you can! We do need to look after our planet and there are changes we can all make. There are eco-friendly companies selling nappies and wipes that are environmentally friendly. Again, buy throughout your pregnancy. These are also practical gifts that your friends and family can buy for you to help out or as baby shower gifts.

Enjoy your time together – If this is your first baby, enjoy time together as a couple before baby arrives. Couples will often have one last holiday together, a babymoon! It maybe your last chance for a little while!

Prepare your other children – If this is a subsequent pregnancy, you will have another child/children to think about. A new baby can be an exciting but stressful time for siblings. Keep them involved in your pregnancy with things like feeling the baby move and talking/singing to your bump.

Book your antenatal classes! Antenatal classes are vital for preparing you for labour, birth and what happens after your baby is born. They will help you make decisions as where to you like to have your baby and options for pain relief. There are lots of different types of antenatal classes so you need to choose one that suits you both. If you want a group class, book early to avoid disappointment!

My antenatal classes are one to one sessions and are held in the comfort of your home. You can choose the time and date of your class and you can ask all the questions you wish!

For more information on my antenatal classes, please go to www.louantenatal.com

Hi I’m Louise. I’m a midwife delivering a range of antenatal and postnatal services. I offer –

  • Antenatal classes for first time parents;
  • Antenatal classes for parents who already have children;
  • Postnatal support; and
  • Birth Reflections.

The aim of my antenatal classes is for the couple to understand the process of birth and to discuss the realities of having a baby while building confidence in their ability to birth their baby.

Here are my top tips on preparing for the arrival of your new baby:

Attend all your antenatal appointments. During your appointments, important checks are made on you and your baby to ensure you are both well. This is also an opportunity to ask any questions that you may have.

Buy things gradually – babies are expensive! To help spread the cost, shop throughout your pregnancy for the essentials that you will need such as nappies and wipes. Check your local supermarket for when baby products are on deal and bulk buy then.

Buy eco-friendly if you can! We do need to look after our planet and there are changes we can all make. There are eco-friendly companies selling nappies and wipes that are environmentally friendly. Again, buy throughout your pregnancy. These are also practical gifts that your friends and family can buy for you to help out or as baby shower gifts.

Enjoy your time together – If this is your first baby, enjoy time together as a couple before baby arrives. Couples will often have one last holiday together, a babymoon! It maybe your last chance for a little while!

Prepare your other children – If this is a subsequent pregnancy, you will have another child/children to think about. A new baby can be an exciting but stressful time for siblings. Keep them involved in your pregnancy with things like feeling the baby move and talking/singing to your bump.

Book your antenatal classes! Antenatal classes are vital for preparing you for labour, birth and what happens after your baby is born. They will help you make decisions as where to you like to have your baby and options for pain relief. There are lots of different types of antenatal classes so you need to choose one that suits you both. If you want a group class, book early to avoid disappointment!

My antenatal classes are one to one sessions and are held in the comfort of your home. You can choose the time and date of your class and you can ask all the questions you wish!

For more information on my antenatal classes, please go to www.louantenatal.com

A WELCOME CHANGE: FCA to regulate prepaid Funeral Plans

A WELCOME CHANGE:
FCA to regulate prepaid Funeral Plans

The Government has recently announced their intention to regulate the prepaid Funeral Planning market and we could not be happier!

This is a great step for the public as a whole. 

This is a result of enquiries by HM Treasury that have found some customers are being caused a detriment when dealing with the Funeral Planning sector. Although, it is clear that most of these examples given by HM Treasury, occurred in the section of the Funeral Planning market that is not regulated by the Funeral Planning Authority.

We would like to take this opportunity to reassure all of our lovely clients, that we have only ever used providers that ARE supervised by the Funeral Planning Authority when advising and arranging prepaid Funeral Plans.

We are pleased that the Funeral Planning market is going to be regulated and think that this will not only provide certainty and security for clients and customers but is also a step forward for all of us that work within this sector. Knowing that the products we advise upon and arrange are the right fit for our clients and they are fully informed is always a priority of ours and so nothing will change in terms of our practice but it will be good to know that others will have to follow suit and uphold a level of expertise in the area, ensuring security for all clients and customers.

It is not yet clear exactly how such regulation will take place but we will of course embrace the changes that we are keen to see take place in the near future and are looking forward to the market reputation increase.

If you have any questions about an existing Funeral Plan or want a chat about putting one in place, get in touch for a FREE consultation on 
Info@TotalLegacyCare.co.uk or 01727 865 121

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

Probate & Estate Administration: What does it mean?

Probate & Estate Administration:
What does it mean?

At one point or another we will all have come across the term PROBATE or ESTATE ADMINISTRATION but what does it actually mean?

It is one of those questions that we have all had but may seem silly to ask…it isn’t!

PROBATE is the legal term for ‘proving the Will’ and this is done by applying to the Probate Registry for a Grant of Representation (also known as a Grant of Probate) to administer the Estate of the deceased.

 

ESTATE ADMINISTRATION is the term used to describe the sorting out of the deceased’s Estate following their death. Their Estate includes all of their possessions, property, money, savings, investments and anything else that they own or have an interest in. Their Estate may also have liabilities, such as debts (credit cards, utilities a mortgage), that require attention to. The Estate may also have tax liabilities (Inheritance Tax, Income Tax, Capital Gains Tax etc.) and this will also be dealt with as part of the Estate Administration.

 

Probate is often used as an overall term to describe the entire process, from obtaining the Grant of Probate through to administering the Estate, by collecting in all the assets, paying off the liabilities and tax, and distributing the Estate in accordance with the Will or the Rules of Intestacy (where there was no valid Will).

Estate Administration can be carried out by the Executor (as appointed under the Will) or a Representative of the deceased (where there is no Will and that Representative has applied for Letters of Administration), or can be carried out by professionals. In some circumstances the Executors or Representatives may require assistance of a specialist, especially where the Estate is complex or they have not had any dealings with such a situation.

It is worth remembering that Estate Administration takes a significant amount of time, with it being estimated that loved ones spend in excess of  50 hours dealing with Estate Administration where a specialist is not instructed.

In addition to this, those that carry out the Estate Administration themselves are personally liable for any mistakes that they make during the Estate Administration process.

If you are considering carrying out the Estate Administration yourself, you may find our Checklist for Executors helpful.

 

REMEMBER…You don’t have to do everything alone, ask for help as and when you need it!

If you would like to have a free chat, please contact us on  info@TotalLegacyCare.co.uk or 01727 865 121

Leah Waller

Have a Question or
want to book a 

FREE Consultation?