Guardianship: What a Legal Guardian Is, How It Works

A legal guardian makes decisions for those who can't, usually minor children or incapacitated adults.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.


The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.

Updated · 3 min read
Profile photo of Dalia Ramirez
Written by Dalia Ramirez
Lead Writer
Profile photo of Tina Orem
Edited by Tina Orem
Assistant Assigning Editor
Fact Checked

What is guardianship?

Guardianship means someone has the legal authority to make decisions for a person who cannot act independently. The legal guardian has a legal responsibility to care for that person.

Legal guardians typically care for minor children, though guardianship (conservatorship in some states) may apply to adults facing disability, incapacity or similar circumstances.

Advertisement
Trust & Will - Will

GoodTrust

LegalZoom - Last Will

Price (one-time)

Will: one-time fee of $199 per individual or $299 for couples. Trust: one-time fee of $499 per individual or $599 for couples.

Price (one-time)

$149 for estate plan bundle. Promotion: NerdWallet users can save up to $10.

Price (one-time)

Will: $199 for Basic, $299 for Premium with attorney assist. Trust: $499 for Basic, $599 for Premium with attorney assist.

Price (annual)

$19 annual membership fee.

Price (annual)

$39

Price (annual)

$199 per year for attorney assistance after the first year.

Access to attorney support

Yes

Access to attorney support

No

Access to attorney support

Yes

Conservatorship vs. guardianship

The main difference between conservatorship and guardianship is age. Guardianship typically applies to minor children, while conservatorship generally applies to incapacitated adults (though definitions vary among states).

Conservatorship primarily concerns finances, while guardianship usually concerns medical and personal care. Guardianship can apply to a person — such as a minor child or an incapacitated adult — or to someone's assets (but it is not the same as being an executor of a person's will).

Types of guardianship

Guardianship of a child

If you have minor children, you may want to designate a legal guardian for them in your will. The guardian you name is someone you'd like to become legally responsible for your children if you die or become incapacitated before they turn 18.

  • If both parents die without naming a legal guardian, a state court may have to appoint one.

  • If you die without a will, called dying intestate, a state court may have to decide guardianship of your children. In many states, guardianship is automatically assigned to the next of kin, such as grandparents, aunts, uncles or adult children. 

  • In some states, such as North Carolina, anyone can petition the court to appoint them as a guardian

    North Carolina Judicial Branch. Guardianship. Accessed Jun 5, 2023.

  • In Georgia, if the child is over a certain age (usually 14), they may be able to petition to choose their own legal guardian

    .

Guardianship of an adult

Adults with certain health conditions may want to name a legal guardian for themselves in case they lose the ability to make their own decisions. However, guardianship removes many rights, so consider other options, such as a health care proxy.

If you become incapacitated, there may be a court hearing to confirm your chosen guardian. Some states use the term "conservatorship" to describe guardianship for an adult.

A legal guardian is responsible for making decisions in the best interest of another person and their assets. The decisions a guardian can make vary by situation and state, but may include:

  • End-of-life decisions.

  • Consent to medical treatment.

  • Release of confidential information.

  • Consent to educational and counseling services.

  • Permission to possess a driver’s license.

  • Determination of where to reside. 

  • How to manage property.

  • Whether and when to file lawsuits.

Guardianship of an estate

An estate or financial guardian only manages a person's assets. One might be necessary if a minor inherits assets that need supervision until the child reaches adulthood.

An estate guardian can be the same person as a personal guardian, or the two can be different people. This role differs from a power of attorney, which you can choose, while a guardian must be court-appointed.

Alternatives to guardianship

Guardianship can permanently remove a person's rights, so typically, it is a last resort. These alternatives can give someone the power to make decisions for a minor or incapacitated person without assuming complete legal guardianship.

Tax implications of guardianship

Being a legal guardian can affect your taxes.

  • Legal guardians may need to file IRS Form 56 to notify the agency of the guardianship. 

  • Legal guardians usually can claim the people they're caring for as dependents, which means they may be eligible for certain tax breaks, such as the child tax credit. However, the child must have provided no more than half of their own financial support and must have lived with you for more than half of the year. For this credit, the dependent can be up to 24 years old if they're a full-time student

    Internal Revenue Service. Child Tax Credit. Accessed Jun 5, 2023.
    .

  • Guardians who don't qualify for the child tax credit may still be able to claim a $500 tax credit for a qualifying adult dependent. Typically, these adults rely financially on you or are permanently disabled

    Internal Revenue Service. An overview of the credit for other dependents. Accessed Jun 5, 2023.
    .

Guardianship by state

Guardianship and conservatorship have different definitions and requirements depending on the state. You can find state-specific information here. These are a few examples of differences:

  • Florida allows guardianship options ranging from informal custody to temporary custody (through family court), to permanent guardianship (through probate court)

    Florida Courts. Guardianship. Accessed Sep 14, 2023.
    .

  • Texas allows petitions for custody in some counties, which can be a simpler and less expensive process than guardianship

    Texas State Law Library. Guardianship. Accessed Sep 14, 2023.
    .

  • California allows “probate guardianship” of either the person or the estate. In this state, guardianship is only for minors; conservatorship is for adults

    California Courts. Probate guardianships in California. Accessed Jun 5, 2023.
    .

  • New York separates the court process depending on the assets involved. If the child will inherit property, guardians must go through surrogate’s court. If not, they go through family court

    New York State Unified Court System. Guardianship of a child. Accessed Jun 5, 2023.
    .

Advertisement
Trust & Will - Will

GoodTrust

LegalZoom - Last Will

Price (one-time)

Will: one-time fee of $199 per individual or $299 for couples. Trust: one-time fee of $499 per individual or $599 for couples.

Price (one-time)

$149 for estate plan bundle. Promotion: NerdWallet users can save up to $10.

Price (one-time)

Will: $199 for Basic, $299 for Premium with attorney assist. Trust: $499 for Basic, $599 for Premium with attorney assist.

Price (annual)

$19 annual membership fee.

Price (annual)

$39

Price (annual)

$199 per year for attorney assistance after the first year.

Access to attorney support

Yes

Access to attorney support

No

Access to attorney support

Yes

Frequently asked questions

In most cases, you can name a legal guardian for a minor or disabled child in your will. However, before the guardianship can take effect, your will must pass through probate court to be verified.

The rules vary, but any person age 18 and older can often file a petition to be appointed as someone’s legal guardian. In some states, a minor over 14 can ask the court to appoint a guardian for them. In most cases, though, a person names a guardian for a dependent in their will, or an adult in need of care designates their guardian.

If a parent’s will does not name a legal guardian for their minor children, the state court may appoint one. Usually, this person is next of kin, though another adult can petition to be appointed. If no family is available, the child may become a ward of the state and enter the foster care system. If no legal guardian is named for an incapacitated adult, the court may designate a professional caretaker as a guardian.

Compare online will makers

Advertisement
Company
NerdWallet
rating
Price
(one-time)
Price
(annual)
Access to
attorney support
Learn more
Ease of use
Trust & Will - Will
Trust & Will - Will
Get started

on Trust & Will's website

Will: one-time fee of $199 per individual or $299 for couples. Trust: one-time fee of $499 per individual or $599 for couples. $19 annual membership fee.Yes
Get started

on Trust & Will's website

Digital Assets
GoodTrust
GoodTrust
Get started

on GoodTrust's website

$149 for estate plan bundle. Promotion: NerdWallet users can save up to $10.$39No
Get started

on GoodTrust's website

State-specific legal advice
LegalZoom - Last Will
LegalZoom - Last Will
Get started

on LegalZoom's website

Will: $199 for Basic, $299 for Premium with attorney assist. Trust: $499 for Basic, $599 for Premium with attorney assist.$199 per year for attorney assistance after the first year.Yes
Get started

on LegalZoom's website

Comprehensive services
Nolo’s Quicken WillMaker - WillMaker
Nolo’s Quicken WillMaker - WillMaker
Get started

on Nolo's website

None$99 to $209 per year.No
Get started

on Nolo's website

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.

Get matched with a trusted financial advisor for free with NerdWallet Advisors Match.

    on NerdWallet Advisors Match

    AD