Complete Your Clients'
Estate Planning
for the Digital Age

It is a way to pass the ability to reach an account, not ownership of it. A will or trust moves the asset; transfer-on-death for digital access moves the credentials and permissions your clientu2019s family will actually need to open the account, and only after a verified death or incapacity event.

A will transfers legal ownership, but it does not hand anyone a password, a seed phrase, or a two-factor device. Under the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA), custodians answer to their own directives first, so families are frequently left with legal authority and no practical access.

No. Your firm governs the process but never stores or sees credentials. The client retains control of their digital access at all times, and you authorize release only after a verified event.

After a verified death or incapacity event, the advisor authorizes the transfer. Release then requires the approvals the client configured in advance, so no single person can open the record alone.

Email and cloud accounts, financial and brokerage logins, cryptocurrency and wallets, social media and digital identity, and online business or subscription accounts.

It is designed to reduce it. Because the firm never takes custody of passwords or stores sensitive credentials, you avoid the custody risk that comes with holding client secrets directly.

It sits on top of it. The will or trust continues to govern ownership and distribution; this adds the access layer underneath so beneficiaries can act on what they inherit.