An individual’s legacy used to be measured in acres and bank balances. Now? It might be hiding behind a password, stored in the cloud, earning ad revenue on YouTube or waiting in your Venmo history. For the modern estate planner, it’s no longer enough to ask about bank accounts and property deeds. We must now ask: What’s your Apple ID? Who has the crypto keys? Is there a Google Photos archive, or worse, a TikTok account with a following?

Imagine this: Your client passes away with thousands of photos in iCloud and a monetized Etsy store … but nobody knows the password. Now the executor is locked out, the heirs are frustrated and valuable memories and income vanish in a puff of digital smoke.

The result? Executors and loved ones are left to …