Everybody knows that you should have a will and name beneficiaries for your insurance policy. I know that, sure. I had a will made at least 20 years ago naming my mother as my heir. At some point in our lives, mom thought each of us kids should have a simple will and we signed them. Don't you know that two years ago when she died, that was still the only will I had? It took me a year and a half to get around to doing a new will. Well, now it's another half year since, and today I signed a new beneficiary designation for my Roth account. Folks, don't wait and assume you'll outlive your old estate plan documents. Review them as life changes happen and make sure your wishes will be carried out when you die.