Estate Plan Age Too? Why an Old Estate Plan Can Be a Hidden Risk
Most people don’t realize this, but an estate plan can get too old — and when it does, it quietly stops working the way you think it will. An outdated estate plan isn’t just inconvenient… It can lead to: Beneficiaries receiving the wrong assets Delays in probate Old partners or ex-spouses still being named Trustees who are no longer alive or suitable Tax consequences you never intended Even if your life hasn’t changed much, laws have. And if your plan is over 3–5 years old, you should treat it the same way you treat expired documents — it needs a review. Here’s why:
1. Life Changes Faster Than You Think
Marriage, divorce, children, grandchildren, buying property, selling a business — these events can make an old plan instantly outdated.
2. Tax Laws Change
Federal and state estate tax rules evolve. A plan written under old tax laws might not protect your assets today.
3. People Change
Your executor may no longer be the right choice.
Your trustee might not be available.
A child may need more (or less) protection.
Relationships shift — and so should your plan.
4. Your Assets Change
New accounts, new properties, new investments — but did they get added to your trust or beneficiary designations?
Probably not.
5. Your Wishes Mature
Your goals at 30 are not your goals at 45 or 60.
Your estate plan should evolve with your life.
Bottom Line
If your estate plan has aged — even just a few years — it’s time to refresh it.
Not because something is wrong… but because something might be different.
A short review today can save your family stress tomorrow.