We show that the magnetic stability of nano-particles, with regard to magne
tization reversal or domain formation, is controlled by dipolar instability
pockets. These pockets are regions in which the local dipolar fields (i.e.
shape-dependent effects) favor a spin reorientation. Calculated shape-depe
ndent demagnetizing fields coupled with exchange contributions combine to y
ield the field at which a magnon mode attains zero frequency implying the o
nset of reversal or domain formation. Calculated switching-onset fields are
found to explain experimental data as a function of: material, thickness,
aspect ratio, and shape.