The triggers for clients to embark on a formal process of estate planning and administration normally include the following: relationship risk. On average 40 per cent of current marriages end in divorce. Need to gain the client"s trust need to know everything about their lives to ensure soa reflects their true objectives and situation. On divorce, a will is still active. On re-marriage, will is void: mental capacity. Of sound mind to make lucid decisions. The ability of a person to retain full or substantial capacity through all their retirement cannot be assumed: retirement income support. Public pensions cannot fully support the majority of workers in retirement. Family support: estate planning provides the opportunity for multiple generations to decide how best family capital can be used. Social and community contribution: clients often want to give back to their community or a cause with which they have an affinity.