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Maura Curran, Attorney
Jupiter, FL 33458

When Is It Time to Service Your Estate Plan

If you own a car, then you know it requires regular servicing in order to perform well and be reliable. More than likely, your car came with a recommended schedule for service, based on how many miles it has been driven; after a certain number of miles, you need to change the oil, replace the brake pads, rotate the tires, and so on.

If you have a newer car, you probably have an irritating dash light that comes on when it’s time for service and stays on until the mechanic resets it. Either way, whether you pay attention to the odometer or rely on that dash light, it’s pretty easy to know when it’s time to service your car. And if you keep driving it without servicing it, it’s a sure bet your car will let you down.

Like your car, your estate plan needs “servicing” if it is going to perform the way you want when you need it. Your estate plan is a snapshot of you, your family, your assets, and the tax laws in effect at the time it was created. All of these change over time, and so should your plan. It is unreasonable to expect the simple will written when you were a newlywed to be effective now that you have a growing family, or now that you are divorced from your spouse, or now that you are retired and have an ever-increasing swarm of grandchildren. Over the course of your lifetime, your estate plan will need check-ups, maintenance, tweaking, and maybe, even replacing.

So, how do you know when it’s time to give your estate plan a check-up? Well, instead of having mileage checkpoints, your estate plan has event checkpoints. Generally, any change in your personal, family, financial, or health situation, or a change in the tax laws, could prompt a change in your estate plan. Use the following list to guide you.

It’s a good idea for you to review life for possible changes to your estate plan every year. Set aside a specific time every year (your birthday, anniversary, family gathering, or filing your taxes) to identify significant events.

Event Checkpoints for Your Estate Plan

You and Your Spouse, If Married

  • You divorce or separate
  • Your health (or your spouse’s health) declines
  • Your spouse dies
  • The value of assets changes dramatically
  • There’s a change in business interests (start a business, wind down a business, retire, etc.)
  • You buy real estate in another state or country

Your Family

  • Birth or adoption
  • Marriage or divorce
  • Finances change
  • Parent or relative becomes dependent on you
  • Minor becomes adult
  • Attitude toward you changes
  • Health declines
  • Death
  • Marriage or addiction problems


  • Federal or state tax laws change
  • You plan to move to a different state
  • Your successor trustee, guardian, or executor moves, becomes ill, changes mind about serving
  • You change your mind about your goals or anything in your estate plan

You take your car to be serviced, get a medical check-up, have an annual review with your financial advisor and CPA – all those things are meant to keep you and your assets tickin’ along, doing what they’re supposed to be doing. An estate plan review is the same.

If there’s been a change or more than three to five years have passed since you signed your estate planning documents, please call now to get on the calendar for a professional review. We’ll make sure you, your loved ones, and your assets are protected, reflecting your life and the world as it currently exists.