When Do You Need a Will? When do you need a will? The answer is easy: Right Now. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Dreaming Up an Active Retirement When you retire, how will you treat your next chapter? IRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown. Counteracting Capital Gains with Tax-Loss Harvesting You may have heard the phrase "tax-loss harvesting." A financial professional may be able to provide some guidance.