When Do You Need a Will? When do you need a will? The answer is easy: Right Now. Related Content Rebalancing Your Portfolio Over time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical. Deciding When to Take Social Security One of the most common questions people ask about Social Security is when they should start taking benefits. The Rule of 72 Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.