Planning situation Planning ahead before help is needed A trusted helper may need access soon Estate or after-death planning Locked out or recovery is difficult Scam, suspicious login, or account takeover concern
Account inventory status No account list yet Partial list started Organized list kept privately List exists but may be outdated
Password storage approach Memory, notes, or paper list Password manager or secure vault Passwords are shared in messages or notes Not sure how passwords are stored
Two-factor or recovery setup Not reviewed yet Text or phone code only Authenticator app, passkey, or security key used Old phone, email, or device may block access
Trusted helper authority No helper authority reviewed Informal helper only POA, fiduciary, executor, trustee, or payee question Not sure what authority is needed
Legacy or beneficiary settings Not reviewed yet Some legacy contacts or beneficiaries set Key accounts do not offer it or unclear Needs estate or legal review
Highest priority account group Email, phone, and recovery accounts Banking, benefits, retirement, or insurance Medicare, pharmacy, portal, or health plan Utilities, housing, subscriptions, or autopay Photos, cloud storage, social, or memories
Autopay or subscription review Not reviewed yet Some autopay or subscriptions known Organized with cancellation contacts Unknown charges or access problem
Device and recovery contact status Not reviewed yet Phone, email, and devices are current Old phone, old email, or unknown device remains Shared device or caregiver device involved
Professional or official review needed? Legal or estate planning review Bank, brokerage, benefit, or fiduciary review Account security or scam cleanup No outside review planned yet
Use this to plan access, not to store secrets.
Do not enter passwords, recovery codes, account numbers, Social Security numbers, Medicare numbers, birth dates, addresses, security-question answers, device passcodes, or private legal and financial records. Keep the real access list in a secure private place.
This planner is educational and organizational only. It is not legal, financial, tax, cybersecurity, estate-planning, benefits, banking, insurance, or emergency advice.
Official and trusted references:
FTC account protection ,
CFPB diminished capacity planning ,
NIA affairs-in-order checklist ,
AARP digital estate planning .
