You are receiving this email because you signed up to receive Bob Carlson's free e-letter Retirement Watch Weekly, or you purchased a product or service from its publisher, Eagle Financial Publications. [Carlson's Retirement Watch Weekly] [Retirement Reports](www.retirementwatch.com/retirement-resources/) [Retirement Articles](www.retirementwatch.com/retirement-articles/) Brought to you by Eagle Financial Publications How To Create Your âDigital Estate Planâ by Bob Carlson
Editor, [Retirement Watch]( 06/11/2023 SPONSORED [Exposed: Dollar Endgame. If you have more than $2,500 in savings or stocks you must act now](
[image]( Our financial system is about to be transformed in a way that wouldâve been unthinkable just a few years ago, and almost nobody is prepared for the chaos that follows. To show you everything you need to know about the FedNow system âI urge you to watch this controversial presentation with all the details. [Click here to find out what you need to do to prepare for this historic transformation.]( [CLICK HERE...]( Fellow Investor, [Bob Carlson]In last weekâs edition of Retirement Watch Weekly, I explained why your estate plan should include digital assets. In part 2, below, I share some pro tips on how to go digital in your plan. A surprise to many people is they donât own most of the books, music, movies and more that were âpurchasedâ online and downloaded. You didnât really buy the assets, after all. You bought only a license to use them, and the license usually expires with your death. Most of the time, you canât bequeath them to survivors. But be sure the executor of your estate plan knows about them, so recurring charges can be avoided. For other digital assets, a good inventory lists the name and web address of each account or asset, and any account number. Include the full name thatâs on the account, whether it is your name, your spouseâs name, both names, or a business name. The inventory also should include all the information needed to gain online access, such as a username or personal ID and a password. If two-factor authentication is used, explain where the authentication is sent. Many digital accounts also have you answer security questions. Include these in the inventory. Add any other helpful information or comments to the inventory. You can make everything easier on your survivors and on yourself by using a password manager. A password manager is a software service that can manage and protect all the online accounts of the user. The manager creates for each account a unique password that is extremely hard to guess or crack. Each account has its own access information created by the software. You usually donât even know the passwords. A good password manager changes a password when there are indications it might have been compromised, and some change the passwords regularly. You establish one master password for the password manager. This should be a long, unique phrase or sentence. The longer the better, say the security experts. Then, keep the master password secure. The password manager is set up so that no one, including the company that developed the software, knows the master password or can learn it. If you lose or forget the master password, it canât be recovered. [URGENT WARNING: Millions Of Retirements Are At Risk](
[image]( Congress is spurring on the most dangerous retirement threat of the last 50 years. Americaâs top retirement researcher reveals the deadly truth behind this government move⦠Plus the ONLY way to fully protect your wealth in the coming months. [Click Here for the Full Story.]( [CLICK HERE...]( Most experts recommend putting the master password on paper and storing it securely, such as in a fireproof home safe, a safe deposit box, or a lawyerâs office. There are two types of password managers to consider. There are free ones, such as Appleâs iCloud Keychain and Googleâs Password Manager. The disadvantages of these are they tend to work best only with software and web browsers designed by the firms that created them. The alternative is a full featured, third-party password manager. These are developed by independent companies and work well with all or most software and platforms available. Each has an annual fee that typically is less than $50. The disadvantage to these managers is that you have to go through a onetime process of entering all your current account information and passwords into the manager and enter the information for any new accounts you open. The most highly regarded of the third-party password managers are 1Password, Dashlane and LastPass. When you use a password manager, you might get away with leaving the executor only the master password instead of all your passwords. (Youâll still need to leave an inventory of all your accounts, so the executor of your estate plan and family member know all the electronic assets they need to access and manage.) If you want the executor to have access only to some digital assets and other people to have access to other assets, you might need to establish a separate master password for each of the different types of accounts... or use different password managers for them. To a better retirement,
[Bob Carlson]
Bob Carlson
Editor, Retirement Watch Weekly Editorâs Note: A shocking new study found that 81% of Americans canât find anywhere safe to put their money. Itâs a new phenomenon that I call The Retirement Dead Zone. Because retirees won't just run out of moneyâ¦they'll be going back to work as Wal-Mart greeters, coffee baristas â or whatever it takes. Which is why I have decided to guide you through The Retirement Dead Zone with a new book you wonât find anywhere else. And the only place you can get it is here - [when you click this link.]( SPONSORED [We Called (MSFT) In Advance⦠Whatâs Next?](
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[How to Avoid Inherited IRA Disasters]( New to the Retirement Watch Community: SeniorResource.com Planning for the future is important at any age. But, for seniors, retirees, and family caregivers, a well-thought estate plan is essential. Without one, your assets may not go to the people or causes you want them to. Having your ducks in a row will not only help you in the long run but your family as well. [Click here]( to learn about all the key parts of an estate plan, where to find help, and a checklist to help you get better prepared for the process. About Bob Carlson: [Bob Carlson]Robert C. Carlson is the author of the books The New Rules of Retirement and Retirement Tax Guide, editor and investment director of the popular retirement newsletter, Retirement Watch, and editor of the free weekly e-letter, Retirement Watch Weekly. Bob is a frequent speaker at investment conferences around the country, and you can also hear Bob as a featured guest on nationally-syndicated radio shows, such as The Retirement Hour, Dateline Washington, Family News in Focus, The Michael Reagan Show, Money Matters and The Stock Doctor. To ensure future delivery of Eagle Financial Publications emails please add financial@info2.eaglefinancialpublications.com to your address book or contact list. View this email in your [web browser](. This email was sent to {EMAIL} because you are subscribed to Dividend Investor Daily. To unsubscribe please click [here](. If you have questions, please send them to [Customer Service](mailto:customerservice@eaglefinancialpublications.com). Legal Disclaimer: Any and all communications from Eagle Products, LLC. employees should not be considered advice on finances. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized advice on finances. Eagle Financial Publications - Eagle Products, LLC. - a Salem Communications Holding Company
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