1. Marriage
2. First child
3. Second child
4. Divorce/Separation
5. Remarriage
6. Grandchildren
7. Relocation to a different state
8. Accumulation of sufficient assets (including life insurance) to create potential estate tax issues
9. Disability of spouse
10. Death of spouse or other beneficiary
11. Business succession planning
12. Charitable bequests
13. Death or disability or other change in circumstances of a named fiduciary (Executor, Trustee, Guardian) in your will