Every year, usually in May, my diver will scrape a layer of mussels off the keel, remove a few barnacles from the bright work, check the through hulls, spin/clear the speed wheel, remove what little is left of the old zincs and install two new light shaft zincs. Usually no hull cleaning is needed because most of the green fuzz will come off each time we cruise, which we do year around.
I've used West Marine ablative ever since we purchased the boat in 2002. Two plus coats will last about seven years; 2011 was the last time I did the bottom myself. My diver will let me know whether the ablative is good for another year. While he is down there he also checks for rudder and shaft strut play. That's my routine and it has worked all these years. So far so good.