Are you concerned about your hard earned savings passing to the right people and at the right time? If you’re 10-15 years from “retiring”, there are so many things unknown as to how the future will play out…. If you have kids, will they be financially independent or struggling mightily with college debt until they’re in the 40s? How have you planned for a significant health or financial setback right now…..do you have the time to make up for lost ground or poor planning? Have you seriously considered what protections you want to provide your surviving spouse, so that if he or she remarries, this event doesn’t create financial harm to them and your kids?