Major life events create planning needs that most people aren't prepared for. Find your situation below.
A business sale is the highest-stakes estate planning moment most owners will ever face.
See what this means for your plan →An inheritance can push a household into estate planning complexity they've never had to manage before.
See what this means for your plan →A large RSU vest or IPO/acquisition event can double your taxable estate in a single year.
See what this means for your plan →A new business changes your estate plan, your liability exposure, and your tax picture from day one.
See what this means for your plan →A home sale at the $2M–$30M level often generates significant taxable gain and changes your estate picture materially.
See what this means for your plan →Owning real estate in multiple states means multiple probate proceedings — unless you plan around it.
See what this means for your plan →The federal estate tax exemption is scheduled to be cut nearly in half at the end of 2025 — affecting millions of households that were previously below the threshold.
See what this means for your plan →Crossing $2M in net worth for the first time is the moment most people's existing planning becomes inadequate.
See what this means for your plan →A major job change — promotion, new employer, or departure — creates a cascade of financial and estate planning decisions that most people handle reactively.
See what this means for your plan →The death of a spouse triggers legal and financial deadlines most surviving spouses don't know exist.
See what this means for your plan →Divorce restructures every dimension of your estate plan — most of it urgently.
See what this means for your plan →A new child or grandchild changes who your estate goes to — and who raises them if something happens to you.
See what this means for your plan →Marriage merges two financial lives — and creates planning obligations most couples don't address until it's too late.
See what this means for your plan →Remarriage with children from a prior relationship is one of the most legally complex estate planning situations that exists.
See what this means for your plan →When a parent needs care, their estate plan — and yours — both need immediate attention.
See what this means for your plan →Losing a parent often triggers an inheritance — and the planning obligations that come with it.
See what this means for your plan →When a child turns 18, they gain full legal capacity — which changes your estate plan in ways most parents miss.
See what this means for your plan →A serious diagnosis makes incapacity planning urgent — not someday, right now.
See what this means for your plan →The 5 years before retirement are the highest-leverage planning window most people ever have.
See what this means for your plan →Disability before retirement is one of the most financially devastating events a household can face — and one of the least planned for.
See what this means for your plan →An estate plan that was right 5 years ago is probably wrong today.
See what this means for your plan →Required Minimum Distributions begin between age 72 and 75 — and the planning decisions you make before that birthday have decade-long tax consequences.
See what this means for your plan →Missing the Medicare enrollment window at 65 causes permanent premium penalties that last for life.
See what this means for your plan →The Social Security claiming decision affects lifetime income by $100K–$300K for most households — and most people make it without analysis.
See what this means for your plan →Not sure which applies? Take our planning assessment →