Estate Planning

I read an article today that gave me some really good insight on estate planning.  The article made me think about the many people at retirement age who are still getting advice from their Financial Planners and Advisors that is not the best [advice].  Some people are still being told to invest their money as aggressively as a person just entering the workforce.  Why?  That is usually not the best option for someone nearing retirement or already in retirement.  For a person in his or her early 30's, investing aggressively with higher risk vehicles might be okay.  A younger person has more time to bounce back from a bad economy; a younger person may feel the need to stache away more funds for retirement in 30 more years; a younger person may not need to live off of the funds they are advised to invest.  My point is that you should make sure your Financial Planner/Advisor is giving you the best options and advice possible.  The best way to do that is to keep track of how your money is growing for you.  If you are always losing money invested, that's not good.  If your Advisor/Planner is not reviewing or assessing your needs at different stages in your life, then that's not too good either.  I emplore you to answer this question:  Do you think your planning needs will be the same at the age of 35 [with 2 small children and a mortgage] as they would be at the age of 60 [children are adults now and the mortgage is paid off]?  Something to think about.