Retirement Read Time: 3 min min Have you taken these key estate planning steps? Related Content Four Reasons Millennials Need an Estate Strategy Estate strategies for millennials may sound like less of a concern than retirement, but young adults should prepare now. Your Shifting Risk Tolerance Time and market performance may subtly and slowly imbalance your portfolio. What Is My Current Cash Flow? Assess whether you are running “in the black” or “in the red” each month.