^^^ 1991 OMgosh! That's the stone age in estate planning circles. I recently worked with a 1997 joint will with a H&W revocable trust with credit shelter and marital trusts.... so totally outdated (and unnecessary in NJ), only the fact that wife survived saved them from estate taxes.

I guess people feel that if they spent a few grand having a lawyer draw up all these documents, they'll surely get their money's worth by keeping them around gathering dust forever!
Nevermind that tax laws are everchanging.