A bank or brokerage can’t just take your money when you die. If you don’t have a will or other estate plan, the laws of your state determine who gets the value in those accounts.
Your digital assets are a different story. Your online photos and videos, frequent flyer miles, cryptocurrency and other digitally stored files may well disappear without a trace if you don’t make a plan to pass them along.
In my latest for the Associated Press, steps you can take to secure and protect your digital information.