Estate planning and choosing a guardian to take care of your children is difficult. It's not easy to think of anyone else raising your children, no matter how loving your family members or friends are.

Yet, you can make a tremendous difference in your child's life by planning ahead. And you have nothing to lose except a few moments thinking about what you value most in life, and in childrearing. You can ensure you have chosen the right guardian, by following just three easy steps.

3 Easy Steps to Choosing the Right Guardian for Your Child

Step One: Make a List of Possible Guardians

Make the longest list you can stand of everyone you know who might possibly be a good guardian.

When considering whether someone should be on the list, ask yourself, "Would they provide a better home for my children than the foster care system?"

If the answer is yes, include them.

Step Two: Decide What Matters Most

Choose a few factors that are most important to you and rank their order of priority. Here are some to consider:

• Maturity and patience

• Do they have children already?

• Religion or spirituality

• Relationship with your children

• Integrity and stability

• Marital or family status

• Willingness to serve

• Physical wellbeing

• Social and moral habits and values

• Availability of free time to raise your children

• Parenting style

Your perfect guardian choice would score highly on every measure.

But, because we are all imperfect, you will likely have more success in choosing the few characteristics that are most important to you.

As you make your choice, consider that some factors can be influenced by you and others cannot. For example, integrity is something you cannot change.

But if having an at-home parent is important to you, your prospective guardian might be willing to come home to raise your child if you make it possible through a well-structured and funded plan.

Do not put much emphasis on financial resources as a factor. It is your responsibility as the parent to provide enough financial resources, either through insurance or savings, to provide for your children financially if you are not available.

Step Three: Match People to Priorities

Use the factors you chose in step two to narrow your list of candidates to a handful. Listen to your body and feelings as you consider each person or couple as guardian. Using this short-list, you'll need to rank in the people you would want first, second, and so on.

If you select an attorney experienced in helping parents of minor children, be prepared to answer the following question when you name a couple as a guardian:

"If the couple divorces or, because of death or incapacity, only one can serve, would you like either one to be guardian, or would you prefer to move to the next name on the list?"

Guardian nominations can be simple or as complex as you choose.

Regardless of which spouse's family or friends appear more frequently on your final list, it's important to keep both families involved. One way to do that is to name members of one family as guardians to care for the children, and members of the other family as trustees, to manage the assets for the children. If there is a likelihood of conflict between these family members, be sure to share this with your attorney so that your guardianship can be customized to encourage them to keep the lines of communication open.

Again, I know it's not easy to think of anyone else raising your children. But, your children depend on you for a bright future. Start planning ahead now. Initiate the estate planning process. And, most importantly, choose the right guardian for your children now!