Let's do this in order.
First off, you are not fucking your kids, any more than you are fucking your mother if you fuck someone who is older than you, or your sister if you are fucking someone who is close to your age. I am not sure exactly why you would find that an issue, but you need to focus on the lady you are seeing and not all those other people in your head and life. Yes, I know many people would judge us harshly for fucking girls younger than our daughters, but that is only one among many ways in which people would judge us harshly, so get past that one the same way you get past the others.
Second, whatever hang ups you may have about your age, however you see yourself, that is not how the provider sees you, so stop projecting. Or at least, stop projecting unpleasant shit into your sessions, and focus on the fun stuff like "she is adorable and sexy and seems to be having a great time, so I must be adorable and sexy and having a great time, too." We could have a long discussion about how providers do see us, but unless she says she does not want to see you, you can safely assume she does not have a problem with your age, looks, hygiene or much else about you. Be courteous, clean, on time, pay immediately without complaint, and respect any requests or instructions she may have for you, and be certain you are in the top 10% of clients, no problem.
If you want to see younger ladies, just do it. Odds are high that after a few visits you will get over your initial issues and either have a good time, or discover those older and wiser ladies really do have a lot more to offer, even if they do not have the perfect, tight, young bodies of your high school fantasies any more. Me, I go through phases - at times I want to see a lady with whom I can have a conversation, and other times I want a young, tight body to admire and ravish.
But their ages, relative to my near and dear, do not enter into it for me.
zig