If there are changes in your family because of births, deaths, marriages, or divorces, consider how these changes may affect both your financial plan and your estate plan. Most likely, these events will require some significant adjustments. Likewise, if there are changes in tax or retirement laws, or other laws that may affect your retirement plan, these changes must also be addressed. Finally, if there are changes in your financial situation that have a significant impact on your financial plan, you may have to increase your efforts to achieve your goals.