Why Personal Account Planning Matters More Than You Think

We all know the importance of having a will or life insurance in place. But what about your digital world? From banking apps to cloud storage, from subscriptions to crypto, so much of our lives — and value — is tied up in accounts that exist only online.

Now imagine if something happened to you tomorrow. Would anyone know what’s out there? Would they be able to access it?

• €200 a month in forgotten subscriptions.

• €4,000 sitting in an online account.

• For some, it’s far more.

If no one knows or can access those accounts, the value is simply lost.

The Hidden Gaps

Most people assume that a family member could simply contact Apple, Google, or a bank to request access. The reality is very different. Even with paperwork, access is rarely granted — and in many cases, legally cannot be.

That means:

• Bank accounts can sit frozen for months

• Online investments may never be recovered

• Important records, photos, or documents could be locked away forever

And the burden of sorting through it all falls on those already dealing with stress and loss.

A Simple Way Forward

That’s why I created the Personal Account Planning service. It’s a structured but straightforward way to bring key accounts and access details together in one secure place.

• Year 1 includes a complete setup: planning session, password manager vault, and tailored record of your accounts

• Year 2 and beyond includes a simple annual review to keep everything current

It’s not about giving away passwords or overcomplicating things. It’s about making sure the essentials are covered, organised, and available if ever needed.

Two Audiences, Two Guides

• If you’re an individual or family wanting to protect yourself and avoid unnecessary costs or stress, you can read the Consumer Guide

Consumer Download

• If you’re a professional adviser — a financial planner, solicitor, or accountant — you may see how this service complements your existing support. The Partner Guide

   shows how Personal Account Planning can add value to your client relationships.

Partner Download

Peace of Mind, Today and Tomorrow

Personal Account Planning isn’t just about the future — it makes life easier now. When your digital world is organised, you know where things stand, and you know it won’t become a burden for others.

If you’d like the peace of mind that comes from having everything in order, I’d be glad to have a conversation.