How Often Should You Review an Estate Plan—and Why It Matters

One of the most common assumptions families make is that estate planning is a one-time task.

Once documents are signed, they’re placed in a folder and rarely revisited. For many families, years—or even decades—pass without review.

The reality is that estate planning works best when it is treated as an ongoing process, not a single event.

Why Estate Plans Should Be Reviewed

Estate plans are designed to function during life’s most difficult moments. If they no longer reflect current circumstances, they may not work as intended.

Regular reviews help ensure that documents still align with:

• Current laws

• Asset structure

• Health considerations

• Family dynamics

Events That Should Trigger a Review

Certain life events should prompt an immediate estate plan review, including:

• Marriage or divorce

• Birth or adoption of children or grandchildren

• Diagnosis of a serious illness

• Significant changes in assets

• Relocation to a different state

• Changes in family relationships

These events can affect decision-making authority and distribution outcomes.

How Often Is “Often Enough”?

Even without major life changes, estate plans should be reviewed periodically.

As a general guideline:

• Every few years for most families

• More frequently if circumstances are changing

The goal is not constant updates—it’s relevance.

The Cost of Not Reviewing

Outdated estate plans can lead to:

• Delays in accessing assets

• Court involvement during incapacity

• Confusion or conflict among loved ones

• Outcomes that no longer reflect current wishes

These issues often surface at the worst possible time.

Reviews Don’t Always Mean Major Changes

A review does not necessarily mean rewriting an entire plan.

Often, it confirms that documents still work—or identifies small adjustments that prevent larger problems later.

Closing Perspective

Estate planning is not about completing documents and moving on.

It’s about maintaining a plan that continues to protect your family as life evolves.