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The world has gone digital and so have our clients’ estates. Digital assets may simply be electronic records, but they are the digital gateway to our lives. They are our memories, our money, and our records, making technology the new player at the estate planning table. The Digital Executor®: Unraveling the New Path for Estate Planning arms estate advisors, business owners, service providers, and the broader estate and technology industries with heightened awareness of client expectations regarding their digital estates. Everyone needs a will and in today’s age of digitization, estate plans must include your client's digital life. This book is a primer for understanding a client’s personal use case when navigating estate management in the digital age with introductions to technology and the underlying aspects and differences between digital asset classes. With technology being the new player at the client’s estate planning table, estate advisors must be educated, motivated, and prepared, adapting policies and processes for operating in the digital world. Equally, technology and service providers must align with the stars to be integrated partners in estate industry conversations. Sharon’s first book, Your Digital Undertaker: Exploring Death in the Digital Age in Canada, was about digital assets in the context of an individual’s or client’s estate planning life cycle. This follow-up book, Digital Executor®: Unraveling the New Path for Estate Planning is about digital assets in the context of the estate industry. This book draws the reader into the world of estate planning with a digital twist, bringing together how the global estate industry, technology and service providers must address client expectations about their digital assets and the implications of the changing role of the fiduciary/executor. To understand the role of digital assets in the estate industry, we must first understand technology, the client’s user context, and the changing role of the estate advisor. From an estate industry perspective, if today’s executor is a digital executor and today’s fiduciary is a digital fiduciary, then today’s advisor must be a digital advisor.
If you are an adult Canadian who uses e-mail and surfs the internet, this book is for you. In a unique and humorous way, this former military officer and tech executive shares what she’s learned about the estate industry and the taboo topic of preparing for one’s own death. Preparing for death doesn’t need to be scary or foreboding. It can actually be liberating and energizing. Join Your Digital Undertaker in an exploration of death in the digital age in Canada, which lifts the lid on how the deathcare and estate industry works today, and tackles it through the project management and digital lens. This exploration includes simple diagrams, easy to understand scenarios, and user options that require only a couple of mouse clicks. You’ll learn your digital life is not isolated from your physical life, as technology is the new player at the estate planning table. Cracking the code to digital death and its afterlife requires deciphering the code for your regular and physical life. By the end of this book, you should feel armed with questions and a perspective on how to tackle your digital life in the context of your overall estate. You might even walk away inspired to get on with dealing with your will and estate plan with estate planning professionals. If you are a named executor in a will or appointed in a Power of Attorney, this book is for you as well, as it might motivate you to ask a lot more questions about your role before you get handed “digital hell in a hand basket”. For those having the challenging conversations with their parents, family members or clients, let Your Digital Undertaker ask some of the basic questions and open the door for a meaningful discussion.
There is not an honorable man among its practitioners who would not give - who does not often give - the warning, “Suffer any wrong that can be done you rather than come here!” The nightmare that probate can cause for heirs, even with a Will, was memorialized in the fictional portrayal of Bleak House by Charles Dickens in 1853 (Chapter I) where the narrator of the book advises the reader to stay away from probate proceedings. If you are single without children, what happens to your pets, money, assets, and property when you die? If you pass away without a Will, a probate judge decides who should administer your estate and may leave property distribution to people who don’t have your best interests in mind. A Will is one way to speak while you are still living with your own written instructions, such as: - Name a guardian for your pets and leave money for their care - Itemize property to be given to multiple beneficiaries - Decide what happens to your condo, house, or vehicle - Leave instructions about digital assets, such as cryptocurrency or NFTs - Make funeral arrangements Some scenarios are straightforward, such as an only child leaving behind one or both parents. They inherit everything, which is even easier if still married to each other. But what happens if you have siblings, your parents are deceased, or you have very close friends who are not legal relatives? You may think that your significant other has status, especially if you are living together or even engaged. The opposite is true. Your friends and relatives can delete the most important people in your life while ransacking your property and assets for their personal gain … or revenge. It's possible that relatives you have never met or don't even like are awarded portions of your property. People you don’t even know may make decisions that you would never approve. An important strategy is a digital estate plan, like an enhanced Will. What happens to all your social media content, online photos, movies, or music? A Will allows you to expressly name a data executor and provide this person with your login credentials to access all of your accounts in accordance with your instructions. Without a Will, a probate judge may not approve, and tech companies may not allow, your friends or family to close, or otherwise access, these accounts. Also discussed is your digital afterlife where tech companies can use artificial intelligence (AI) to bring you back to life through a virtual avatar trained with your life’s worth of photos, videos, audio, and online activity (i.e. social media). This includes a brief tutorial for artificial intelligence writing your Will without an attorney using AI chatbot platforms (ChatGPT, Claude, and Gemini). Sample fill-in-the-blank documents included are: - Basic non-notarized Will that gives all property to one beneficiary - Extended non-notarized Will that itemizes specific assets to different beneficiaries - Notarized versions of both basic and extended Wills - Notarized Self-Proving Affidavit for the two witnesses to authenticate the Will - Username and Password Organizer to help family and friends access digital assets - Instructions and representative Illinois statutes that pertain to a Will The author, Michael E. Byczek, has been a licensed Illinois attorney since 2007 (Chicago, IL). He manages his own legal business (https://byczeklaw.com) and has assisted clients to prepare their estate plans and protect the rights of heirs during probate in court.
Looks at the culture of the Internet and its significance for business. Contains information on the interactive audience, defining communities on the Internet, transforming selling into service, digital money, rules of business netiquette, and learning from mistakes. Annotation copyrighted by Book News, Inc., Portland, OR
"Zero Trust is the strategy that organizations need to implement to stay ahead of cyber threats, period. The industry has 30 plus years of categorical failure that shows us that our past approaches, while earnest in their efforts, have not stopped attackers. Zero Trust strategically focuses on and systematically removes the power and initiatives hackers and adversaries need to win as they circumvent security controls. This book will help you and your organization have a better understanding of what Zero Trust really is, recognize its history, and gain prescriptive knowledge that will help you and your enterprise finally begin beating the adversaries in the chess match that is cyber security strategy." Dr. Chase Cunningham (aka Dr. Zero Trust), Cyberware Expert Today’s organizations require a new security approach that effectively adapts to the challenges of the modern environment, embraces the mobile workforce, and protects people, devices, apps, and data wherever they are located. Zero Trust is increasingly becoming the critical security approach of choice for many enterprises and governments; however, security leaders often struggle with the significant shifts in strategy and architecture required to holistically implement Zero Trust. This book seeks to provide an end-to-end view of the Zero Trust approach across organizations’ digital estates that includes strategy, business imperatives, architecture, solutions, human elements, and implementation approaches that could significantly enhance these organizations' success in learning, adapting, and implementing Zero Trust. The book concludes with a discussion of the future of Zero Trust in areas such as artificial intelligence, blockchain technology, operational technology (OT), and governance, risk, and compliance. The book is ideal for business decision makers, cybersecurity leaders, security technical professionals, and organizational change agents who want to modernize their digital estate with the Zero Trust approach.
Almost without realizing it, we have stopped saving our memories in photo albums, home movies, and letters, and have transitioned to almost total digital storage of such assets and information. Bank statements and credit card bills that we used to receive by mail and file away are now stored and accessed on the internet. If we don't take steps to make all this information available to our heirs, our personal legacies could be lost forever. Written by the creators of thedigitalbeyond.com, this book explains the challenges, and offers solutions to make sure survivors can have access to this valu.
When you die, what will your digital legacy be? What will be left about you online? How will your online accounts be accessed and handled and how will you be remembered for posterity (given that there’s no real erasing of the Internet)? Angela Crocker and Vicki Mcleod team up to give us ideas and tips on how to handle our digital legacies. Vicki focuses on the personal aspects of legacy, while Angela brings it down to earth with the practical, how-to aspects. One hundred years from now, there will be one billion dead people on Facebook. That’s a sobering thought for each of us as we consider our own mortality. And while it can be uncomfortable to talk about death, it’s important to prepare the personal and practical elements of your digital life before death. In this guide, co-authors Angela Crocker and Vicki McLeod offer solutions for the practical, social, emotional, and technical aspects of your digital legacy. They include best practices for online memorials, social media and mourning, and digital etiquette in death. Tools and resources are included throughout the book to help your digital estate planning and empower your estate’s executor. From online banking to decades worth of digital family photos, copious creative or intellectual property, or personal history documented on social media, everyone has a widespread digital footprint that tells the story of our lives. How much of that story remains online after we’re gone? Who has access to banking, passwords, and important digital records? What about painful or deeply personal elements of your personal or professional legacy? In life, you have the opportunity to make choices about your digital legacy. If you don’t, you risk your legacy being misinterpreted, lost, or simply becoming digital litter. It’s time for a digital legacy plan.
This book is everything you need to plan for your financial future and avoid paying tens of thousands of dollars to a financial advisor.A financial plan will guide you during good and bad times, ups and downs of the market, job changes, and financial setbacks. Creating a financial plan is not all about money, budgeting, and investing. It's about enabling you to live the life you truly want.As you progress through your career in medicine, you have never been taught how to prepare for a healthy financial future, leaving you vulnerable to being sold products you don't need or working so hard that you experience burnout.Physicians are the smartest people on the planet when it comes to medicine, so why not finances too? Let's change the dynamic between money and medicine and help you live your ideal life.