Planning for Your Digital Assets

Your Digital Life Deserves Protection Too

Think about how much of your life now exists in digital form:

Your photos. Your videos. Your music. Your private messages. Your email. Your financial accounts. Your subscriptions. Your entire digital footprint.

Most of us never stop to think: what happens to all of this if something happens to us?

Unfortunately, this is one of the fastest-growing estate planning gaps today. Many families only discover how complicated and painful digital asset access can become after it’s too late.

Digital Assets Are Part of Modern Estate Planning

Your digital assets may include:

Email accounts
Online banking, investment, and cryptocurrency accounts
Cloud storage (Google Drive, iCloud, Dropbox, etc.)
Social media accounts (Facebook, Instagram, LinkedIn, TikTok, etc.)
Subscription services (Netflix, Spotify, Amazon, etc.)
Online businesses, storefronts, or intellectual property (Etsy, Shopify, eBooks, courses, etc.)
Photos, videos, voice messages, and personal archives
Gaming platforms and digital collectibles

The truth is: your digital life is part of your real legacy.

And yet, most estate plans barely address these assets at all.

The People You Love Shouldn’t Have to Search, Guess, or Fight for Access

The stories are real:

One widow lost an estimated $600,000 in income from her husband’s consulting business because AOL denied her access to his email after his death — and ultimately deleted the entire account after 180 days of inactivity.
A family fought for over three years in court to gain access to treasured family photos and videos stored in Apple’s iCloud — photos that would have otherwise been permanently lost.
A Vanguard supervisor exploited dormant accounts from estates that hadn’t been properly managed — stealing $2.1 million from unsuspecting heirs.
In one case, heirs were forced into costly international litigation when 1Password denied access to critical account data that would have identified other assets.

These aren’t just technical issues — they’re devastating emotional and financial losses for families already grieving.

The Law Hasn’t Caught Up — But You Can Be Proactive

While some platforms now offer limited legacy access tools, most still default to strict privacy protections — even against your own family.

And while laws like the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA) have made some progress, they do not necessarily provide family members with access after death.

That’s why it’s so important to address digital asset planning proactively — while you’re still here to make these decisions.

How AMO LAW Helps You Plan for Your Digital Assets

At AMO LAW, we take digital asset planning seriously because your online life is a real part of your legacy. While many law firms barely mention digital assets, we guide you to address these issues directly as part of your Life & Legacy Planning process.

When we work together, we’ll:

Walk you through the common digital platforms (like Apple, Google, Facebook, and others) that allow you to set trusted contacts or legacy access settings while you’re alive.
Provide resources and checklists to help you identify your most important digital accounts, files, and assets.
Give you clear guidance on how to handle digital media (eBooks, music libraries, cloud photo storage, gaming accounts, and more).
Include digital property in your broader estate plan; this may help clarify who can manage it and when.

You don’t have to figure it all out alone. We simplify the process, so your digital life isn’t left behind.

You’ve Protected Everything Else — Now Let’s Protect Your Digital Life, Too

Digital estate planning isn’t about technology — it’s about making sure your family has access to the full story of your life, both online and offline.

As your California estate planning attorney, I can help include digital assets in a plan that addresses access instructions and possible next steps for your family.

If you’d like to discuss ways to include your online accounts, digital assets, and personal memories in your estate plan, we invite you to begin with a complimentary Discovery Call.

Schedule Your Discovery Call Today

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AMO LAW helps individuals and families organize digital accounts, online property, and access instructions as part of an estate plan. Planning options depend on your circumstances, and consultations are available to discuss practical next steps.