Bank and brokerage accounts transfer according to state laws after death, but digital assets require specific planning to ensure proper handling. Here's how to protect and pass on your digital legacy:

Create a Digital Asset Inventory

Make a comprehensive list of your digital accounts, including:

• Devices (smartphones, tablets, computers) with passwords
• Email accounts and work emails
• Social media profiles
• Cloud storage and file sharing services
• Loyalty programs and travel rewards
• Online shopping accounts
• Business accounts and domains
• Gaming profiles
• Streaming services (video, music, books)
• Photo storage accounts
• Dating profiles
• Cryptocurrency and virtual currency

Understand What Can Be Transferred

Some digital assets have limitations:

• Digital books and music are typically licensed, not owned
• Travel rewards may have specific transfer policies
• Social media platforms often have their own posthumous account procedures

Create a clear plan by:

• Using family accounts to share digital content
• Checking company policies on account transfers
• Documenting your wishes for each digital asset
• Storing login credentials securely with estate documents

Designate a Digital Executor

Choose someone who will:

• Be willing to manage your digital afterlife
• Have sufficient technical knowledge
• Be named in your will or living trust
• Have access to necessary documentation

Maintain Your Digital Estate Plan

Technology changes rapidly, requiring regular updates:

• Review your digital inventory annually
• Update passwords and access methods
• Adjust for new accounts and technologies
• Document changes in biometric access
• Remove outdated accounts and services

Keep your digital estate plan with other important documents and inform your executor of its location. Review and update annually, similar to password maintenance, to ensure your digital assets are properly handled after your death.

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