Back-to-School Estate Planning: A Guide for Families in Alabama and Florida
The end of summer means new backpacks, fresh school supplies, and a shift back into routines. Whether your household includes a kindergartener, a college freshman, or an adult heading back to school, this season is the perfect time to review your estate plan.
Every stage of life brings unique planning needs. Back-to-school estate planning ensures your family is legally protected in both Alabama and Florida for the year ahead.
Estate Planning for Parents of Young Children
If you have little ones starting daycare, preschool, or elementary school, one of the most important steps you can take is making sure their long-term care is legally clear.
- Confirm Guardians in Your Will: Make sure your chosen guardians are current, willing, and legally named in accordance with state law.
- Match Emergency Contacts: Align school or daycare emergency contact cards with your estate plan to avoid confusion in an emergency.
- Review Life Insurance Coverage: Update coverage amounts as your family grows or financial responsibilities change.
Estate Planning for Parents of Teens (Under the Age of Majority)
Teen years come with new independence — and new responsibilities for parents.
- Driving and Liability: If your teen is driving, confirm your auto and liability insurance offers adequate protection.
- Temporary Incapacity Plans: If something happens to you during the school year, make sure your plan clearly names who will care for your teen until you recover.
Estate Planning for Parents of Young Adults (At or Above the Age of Majority)
In Alabama, the age of majority is 19. In Florida, it is 18. Once a child reaches the age of majority in their state, you lose automatic legal authority to make medical or financial decisions for them — even if they are still in school or living at home.
Key legal documents for students at or above the age of majority:
- Medical Power of Attorney – Allows someone to make health care decisions if the student cannot.
- HIPAA Release – Grants access to medical updates.
- FERPA Authorization – Provides access to academic records at colleges and universities.
- Financial Power of Attorney – Enables someone to handle banking, bills, and other financial matters if needed.
Estate Planning for Adults Going Back to School
If you are an adult pursuing a degree, certification, or evening courses, your schedule and responsibilities may shift.
- Decision-Making Authority: Ensure your spouse, partner, or trusted family member can handle financial or medical matters if you are unavailable.
- Beneficiary Updates: If life changes accompany your return to school — such as a move, marriage, or divorce — revisit your estate plan and financial accounts.
Annual Back-to-School Estate Plan Review
Just as tax season or your birthday might prompt updates, use back-to-school season to review your will, trust, and beneficiary designations.
- Confirm your plan meets Alabama or Florida requirements for signatures, witnesses, and notarization.
- Review who is named to act on your behalf in medical and financial matters.
- Ensure your plan still reflects your current family and financial situation.
The Bottom Line
Back-to-school is not just about new routines — it is about making sure your estate planning documents are current and effective. Whether you are raising young children, launching a college freshman, or starting a new academic chapter yourself, taking time now to update your estate plan ensures your family is protected and prepared. Contact us by phone or through our online form to set up your consultation and start the school year with confidence.
