Life is never boring, there are constant changes. Some make us happy, others, not so much. Here are a few life changes that should prompt you to change your will.

You got married!
Not all States automatically consider your spouse as the primary beneficiary. You need to state this in your will. While you are at it, change your 401k, IRA, and life insurance beneficiary at the same time.

You have kids!
We all think about college for our kids but what if something happens to you? You need to think about not only the financial needs of your child but also the emotional and life style, religious preferences, and values with which your child will be raised. When it comes to naming a guardian if you are not around, these needs may be provided from one or more of the people in your life. You need to name a guardian for the physical and financial well being of your children.

You got divorced!
Many times, we see clients have not changed their beneficiary once a divorce occurs. You need to review all of your accounts and estate issues. If you remarry, you will not want to forget your new spouse.

You move to another State!
Often, this is due to retirement, a big life change. Not all States have the same laws regarding health care, guardianship for the elderly, estate and income tax. Please update your will and all estate planning documents when you move.

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