Get your free financial scoreSign inYour data on this device
Free to use. No account required.

How do I keep my kids from my first marriage from being disinherited by my new spouse?

This is the classic blended-family risk. If you leave everything outright to your new spouse, they can later change their will and leave nothing to your children. A common solution is a QTIP trust (qualified terminable interest property): it provides income and support for your surviving spouse during their lifetime, then passes the remaining principal to your children when the spouse dies.

Other tools include leaving specific assets directly to your kids, using life insurance to fund their inheritance separately, or a prenuptial agreement clarifying separate property. Also review beneficiary designations, since a new spouse often becomes the default beneficiary on retirement accounts. Blended-family planning is nuanced, so work with an estate attorney and revisit it after remarriage.

All questionsBrowse the articles
Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. View full disclosures