Lullagram money minute 9 · Protecting your family

Wills and guardians: why parents need both

By Christopher O'Callaghan, QFA, Qualified Financial Advisor, dad and founder of Lullagram

Five cards, one minute. Swipe or tap the arrows.

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Who would raise them?

If you both died, a will is how you name the person you'd want to raise your children. It's called a testamentary guardian, and only you can choose them.

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Not married? Check this

An unmarried father isn't automatically a guardian, even if he's on the birth certificate. He is if he lived with the mother for 12 months in a row, including 3 months after the birth.

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The other way in

Unmarried parents can also make the father a joint guardian by both signing a statutory declaration in front of a commissioner for oaths, a peace commissioner, a notary public or a civil registrar.

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What a will needs

It must be in writing, you must be over 18 and of sound mind, and you sign it in front of two witnesses. Talk to the person you'd name first, and get their yes.

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Your next step

Agree with your partner who you'd both choose, ask them, then make your wills. A solicitor can draw them up with you.

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Sources, checked 27 October 2026: Citizens Information, Citizens Information. General information, not financial advice; it doesn't know your circumstances. Lullagram Limited isn't authorised by the Central Bank of Ireland to give financial advice, so for a decision about your own money, talk to a regulated adviser.