I have a current list of my major financial accounts.

Cataloging primary checking, savings, brokerage, retirement, and cash management accounts across all financial institutions.

I know where my bank accounts are held.

Identifying depository institutions, credit unions, and high-yield savings providers where liquid funds reside.

I know where my investment accounts are held.

Listing custodian brokerages, taxable investment accounts, mutual fund accounts, and automated investment platforms.

I know where my retirement accounts are held.

Tracking workplace 401(k)/403(b) recordkeepers, former employer rollover plans, and individual Traditional or Roth IRAs.

I know where my employer equity accounts are held, if applicable.

Listing company equity platforms (e.g. E*TRADE, Shareworks, Charles Schwab, Carta) managing RSUs, stock options, or ESPP.

I know where my insurance policies and related records are located.

Locating individual term life, employer group life, disability, health, property, auto, and personal umbrella coverage records.

I have identified other significant financial assets.

Real property deeds, private business equity, promissory notes, physical assets, or specialized savings vehicles.

I have identified important digital assets.

Online payment processors, domain portfolios, cloud photo libraries, commercial software licenses, or digital storefronts.

I have reviewed whether I have assets held at more than one institution.

Consolidating or clearly noting dispersed accounts so forgotten balances do not risk escheatment to state unclaimed property.

I know where the master list of my financial and digital assets is stored.

Keeping a secure, encrypted offline summary or physical inventory index in a location accessible to authorized representatives.

I have reviewed beneficiaries on my retirement accounts.

Confirming current primary and contingent allocations on 401(k), 403(b), Traditional IRA, Roth IRA, and SEP/SIMPLE accounts.

I have reviewed beneficiaries on applicable insurance policies.

Checking primary and secondary beneficiaries on individual term policies, group life insurance, and accidental death plans.

I have reviewed beneficiaries on accounts that support beneficiary designations.

Verifying Transfer on Death (TOD) or Payable on Death (POD) beneficiary registrations across bank and taxable brokerage accounts.

I know which assets pass through beneficiary designations.

Understanding that contractual beneficiary designations generally transfer directly outside the probate process.

I know which assets may be governed by a will, trust, joint ownership, or other arrangement.

Distinguishing assets controlled by probate administration, trust agreements, or joint tenancy with right of survivorship (JTWROS).

I have reviewed whether beneficiary designations are consistent with my current intentions.

Checking that designations do not name former spouses, deceased individuals, or conflict with overall estate intentions.

I understand that different accounts may have different beneficiary rules.

Observing institutional policies regarding per stirpes versus per capita distributions, trust designations, or minor children.

I have identified beneficiary questions that may require professional advice.

Consulting an estate planning attorney regarding complex family situations, trusts for minors, or special needs beneficiaries.

I know whether I have a current will.

Confirming whether an executed last will and testament exists or whether state intestacy statutes would govern asset distribution.

I know where my will is stored.

Verifying physical location of the signed original (fireproof home safe, drafting attorney office, or county probate court deposit).

I know whether I have other estate-planning documents.

Checking for revocable living trusts, durable financial powers of attorney, healthcare directives, and living wills.

I know where those documents are stored.

Keeping executed original legal documents and certified copies organized and readily retrievable by designated fiduciaries.

I know whether I have designated appropriate decision-makers where applicable.

Reviewing named executors, personal representatives, successor trustees, financial attorneys-in-fact, and healthcare agents.

I know where relevant legal documents can be located.

Assembling marriage certificates, divorce decrees, military discharge records (DD-214), birth certificates, and citizenship papers.

I know whether my documents should be reviewed after major life or financial changes.

Evaluating whether marriage, divorce, children, relocations to another state, or wealth growth warrant document updates.

I know which estate-planning questions I should discuss with a qualified professional.

Noting questions about probate avoidance, estate tax thresholds, trust funding mechanics, and state-specific statutory requirements.

I have identified important personal email accounts.

Cataloging primary email addresses used as identity roots for financial logins, two-factor authentication, and password resets.

I have identified important cloud-storage accounts.

Listing iCloud, Google Drive, Dropbox, OneDrive, or AWS repositories containing family records, tax PDFs, or photos.

I have identified important digital financial accounts.

Reviewing balances in PayPal, Venmo, Cash App, Apple Cash, Wise, and online merchant accounts.

I have identified digital subscriptions that may need to be cancelled or transferred.

Auditing recurring SaaS tools, web hosting plans, streaming services, and automatic software renewals.

I have identified websites or domains I own.

Listing domain registrars (e.g. Cloudflare, Namecheap, GoDaddy), hosting servers, DNS zones, and active web properties.

I have identified important social-media or online accounts.

Configuring platform legacy mechanisms such as Apple Legacy Contact, Google Inactive Account Manager, and Meta Legacy Contact.

I have identified digital files that others may need.

Documenting local drive storage containing historical records, contracts, family media, or legal correspondence.

I have identified important software, licenses, or digital products I own.

Tracking perpetual software license keys, digital media rights, and developer tool subscriptions.

I have identified valuable digital intellectual property.

Noting code repositories (GitHub/GitLab), published writings, audio recordings, digital designs, and registered copyrights.

I have documented where important digital-account information can be found.

Recording where account inventories and transition roadmaps are stored without exposing raw passwords.

I use a secure password manager or another secure method for managing credentials.

Utilizing dedicated credential management systems (e.g. 1Password, Bitwarden, KeePass) with encrypted master vaults.

I have considered how a trusted person could access important information if I become unavailable.

Establishing a secure emergency kit, sealed master password document, or verified digital emergency access procedure.

I know how my password-management system handles emergency or delegated access, if applicable.

Testing emergency contact features, waiting period safeguards, or shared family vault permissions where supported.

I have reviewed important multi-factor authentication arrangements.

Reviewing hardware keys (YubiKeys), authenticator app setups (TOTP), SMS fallbacks, and biometric device access requirements.

I have considered what happens if my primary phone or authentication device is unavailable.

Ensuring backup physical security keys or printed emergency backup verification codes are safely preserved.

I have a secure plan for important recovery information.

Storing account recovery keys, master vault secret keys, and hardware PIN resets in physical tamper-evident storage.

I have documented where trusted-access instructions are stored.

Leaving explicit, non-sensitive instructions directing an executor or trusted person to the physical emergency kit location.

I have identified my cryptocurrency holdings, if applicable.

Documenting which blockchain networks, tokens, or digital currencies are held across custodial and self-custody systems.

I know which exchanges or custodial platforms I use.

Listing regulated exchanges (Coinbase, Kraken, Gemini) that maintain established legal probate transfer procedures.

I know which assets are held in self-custody, if applicable.

Cataloging hardware wallets (Ledger, Trezor), software wallet clients, and multi-signature vaults.

I know where wallet information is securely stored.

Keeping hardware devices, public receiving addresses, and account labels in a secure, organized physical safe.

I have a secure plan for recovery information.

Preserving seed phrases on stamped steel or encrypted physical backups in fireproof safes or bank safe deposit boxes.

I understand that losing private keys or recovery information can prevent access to assets.

Recognizing that non-custodial decentralized protocols lack customer support, password resets, or administrative overrides.

I have considered how a trusted person could locate relevant information.

Providing step-by-step instructions on operating hardware devices and locating backups without exposing plain-text secrets.

I understand that legal access and technical access are not necessarily the same thing.

Ensuring estate documents grant explicit fiduciary authority under state law (e.g. RUFADAA) to administer digital assets.

I have identified crypto-related questions that may require legal or tax advice.

Consulting advisors on fair-market valuation for estate tax reporting, cost-basis records, and fiduciary power language.

I have identified my current employer equity holdings.

Reviewing active Restricted Stock Units (RSUs), unexercised stock options (ISOs/NSOs), and performance shares.

I know where my RSU records are held.

Locating stock plan portal logins, grant agreements, vesting calendars, and custodian confirmations.

I know where my ESPP records are held, if applicable.

Tracking accumulated payroll deductions, active offering period terms, and purchased share distribution accounts.

I know where my retirement-plan information is held.

Identifying current 401(k), 403(b), pension, or deferred compensation recordkeeper platform details and employer ID.

I know where my HSA information is held, if applicable.

Documenting Health Savings Account custodian portals, investment balances, and designated beneficiaries.

I know where important employer benefit documents are stored.

Keeping Summary Plan Descriptions (SPDs), group life certificates, and accidental death and dismemberment terms.

I have reviewed beneficiary designations for applicable employer benefits.

Verifying that company life insurance, 401(k) plans, and executive survivor benefits have current beneficiary elections.

I know what happens to relevant benefits after employment ends.

Reviewing plan clauses regarding accelerated vesting upon death/disability, post-termination option exercise windows, and COBRA.

I have documented where important employer-related financial records are located.

Listing HR benefits contact information, employee identification numbers, and executive compensation agreements.

I have identified my life insurance policies, if applicable.

Documenting individual term life, permanent policies, and employer-sponsored supplemental coverage.

I know where policy documents are stored.

Keeping original policy contracts, benefit schedules showing coverage face amounts, and premium billing records.

I have reviewed beneficiaries on applicable policies.

Ensuring primary and contingent beneficiaries reflect current wishes, with minor beneficiaries properly linked to trusts or custodians.

I know how a beneficiary could locate the policy information.

Recording insurance carrier names, policy numbers, claims department phone numbers, and agent contact details.

I have identified other important insurance policies.

Reviewing disability income insurance, long-term care policies, homeowners/renters insurance, auto, and personal umbrella coverage.

I know where claims-related information can be found.

Organizing declarations pages, policy riders, agent phone numbers, and emergency claims instructions in a dedicated folder.

I have reviewed whether major life or financial changes warrant reviewing my coverage.

Re-evaluating coverage after home purchases, family growth, debt changes, or career advancements.

I have identified insurance-related questions that may require professional advice.

Consulting professionals regarding irrevocable life insurance trusts (ILIT), estate liquidity needs, or taxable policy transfers.

I have identified my major debts.

Listing residential mortgages, vehicle financing, student loans, personal credit lines, and revolving credit cards.

I know where my mortgage information is stored, if applicable.

Preserving latest mortgage servicer statements, account numbers, escrow balances, and property tax installment details.

I know where my student-loan information is stored, if applicable.

Identifying federal loan servicers (via StudentAid.gov) and private loan lenders, noting statutory discharge provisions.

I know where my credit-card information is stored.

Cataloging active credit card institutions, payment due dates, and auto-pay billing links.

I have identified other significant financial obligations.

Documenting property lease agreements, business credit lines, personal promissory guarantees, and pending tax liabilities.

I know where relevant loan documents are stored.

Keeping loan agreements, deeds of trust, promissory notes, and payoff confirmation letters in safe storage.

I know how a trusted person could locate information about major obligations.

Ensuring an executor or trusted party can verify outstanding debts to protect estate assets from default or late fees.

I have a secure location for important financial documents.

Maintaining a fireproof home lockbox, secure safe deposit box, or client-side encrypted repository for critical records.

I have a secure location for estate documents.

Keeping original executed wills, trust agreements, healthcare powers, and living wills in an organized, accessible binder.

I have a secure location for insurance documents.

Storing active policy contracts, declaration pages, and beneficiary receipts together in a designated portfolio.

I have a secure location for important digital-account instructions.

Keeping account transition guides, emergency kit envelopes, or encrypted instructions safely preserved.

I know where recent tax records are stored.

Archiving federal Form 1040 returns, state returns, W-2s, and 1099 statements for at least the past 3 to 7 tax years.

I know where investment records are stored.

Saving cost-basis trade confirmation reports, Form 8606 non-deductible IRA filings, and annual custodian summary statements.

I know where employer equity records are stored.

Preserving stock grant agreements, Form 3921 (ISOs), Form 3922 (ESPP), and adjusted cost basis documentation.

I know where important property records are stored.

Keeping real estate deeds, title insurance policies, vehicle titles, survey maps, and home improvement cost records.

I have reviewed whether important documents are backed up.

Maintaining encrypted, offsite electronic backups for vital scans and critical legal documentation.

I know how a trusted person can locate the relevant information.

Providing authorized fiduciaries with the exact roadmap, physical key location, or combination needed to access the index.

I have considered who should know that my financial information exists.

Determining which family members, executors, legal fiduciaries, or trusted professionals should be notified.

I have identified the appropriate trusted person or people for my circumstances.

Selecting representatives possessing the integrity, emotional stability, and organizational ability to carry out wishes.

I know what information they would need to locate.

Ensuring they know where the master inventory is located, without needing access to active accounts during ordinary life.

I have considered how they would know where to find important documents.

Communicating clearly about the location of lockbox keys, safe combinations, or drafting attorney contact numbers.

I have documented general instructions for locating important financial information.

Preparing a practical "letter of instruction" covering accounts to freeze, utilities to maintain, and advisors to contact.

I have reviewed whether my instructions are still current.

Checking that named fiduciaries are still willing and able to serve, and updating telephone and address records.

I have considered what should happen to important digital accounts.

Providing guidance on whether personal email, cloud storage, or social media should be archived, transferred, or closed.

I have considered what should happen to websites or domains I own.

Detailing whether personal websites, domain names, or online projects should be transferred, renewed, or decommissioned.

I have considered what should happen to important digital files.

Directing where family photographs, digital archives, and creative works should be delivered.

I have identified succession questions that may require legal advice.

Consulting an attorney on statutory digital asset authority under the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA).

I know when I last reviewed my estate-related documents.

Checking the execution dates on your will, powers of attorney, healthcare proxy, and trust documents.

I know when I last reviewed beneficiary designations.

Verifying that primary and contingent designations reflect current intentions across all accounts.

I know when I last reviewed my account list.

Auditing your financial inventory after opening new bank, brokerage, or retirement accounts or closing old ones.

I know when I last reviewed my digital-asset list.

Updating domain portfolios, cloud service providers, and online account lists periodically.

I know when I last reviewed my trusted-access instructions.

Confirming that emergency kit instructions, password delegation settings, and backup key locations remain accurate.

I have a process for reviewing this information periodically.

Establishing an annual or semi-annual rhythm (such as during tax preparation or year-end reset) to audit your system.

I know which major life or financial changes should trigger a review.

Recognizing that marriage, divorce, births, property sales, relocations, or business launches warrant an immediate review.