The will says who gets what. It does not say where anything is.
A guided planner that maps the full access chain: the phone, the email, every account, every bill and who to call first, in the order your family will need it. All in one book, in your own handwriting.
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“Very impressed by the book... It contains things I would never have thought about.”
Philip D, Lamorial Customer
The Will Is The Easy Part.
Picture a mother who did everything right. There is a will, signed and kept at the lawyer’s office. The papers are in the filing cabinet.
And still, in the weeks after she is gone, her daughter ends up at the kitchen table with a stack of mail, a laptop she cannot get into, and questions nobody can answer.
- Which email does the bank send its reset link to?
- Which card is the streaming service billing?
- Is there a pension, and which account does it pay into?
The will told her who gets what. Nothing told her how to get in.
So the daughter becomes a detective. She opens drawers, reads old statements and calls one company at a time. Some close the account with a death certificate. Some take weeks of back and forth. Some won’t talk to her at all without a court order.
Nobody did anything wrong. The full access chain was simply never written down in one place, in the order she would need it. That is the scavenger hunt, and it lands on the person who loved her most.
Someday it may be your daughter at your kitchen table. Here is the road she walks, and what changes when there is a plan.
What The Family Faces, One Stage At A Time.
Every family’s timeline is different. Each stage is calmer when the answers are already written down.
The first 48 hoursKeep, open, call.
- Keep the phone line active. The verification codes go to it.
- Open the primary email. Check for bills and account alerts.
- Arrange care for any pets. Animals cannot wait.
- Contact the funeral home and order 10 to 20 certified death certificates.
- Call the lawyer. They will help sequence everything else.
The first monthNotify, hold, cancel.
- Tell the bank. Accounts in one name alone are frozen once the bank is told.
- Social Security and pension payments for the month of death and later must be returned. Do not spend them.
- Call the mortgage lender early. The mortgage does not disappear.
- Stop the subscriptions. Canceling a card may not cancel them.
- File for letters testamentary, the court papers that let the executor act. They typically arrive 3 to 8 weeks after filing, and they do not open a single login.
The first yearSettle, close, hand over.
- Probate runs its course, typically 6 to 12 months.
- Each retirement account goes to the beneficiary named on its form. The will cannot override it.
- Decide what to cancel, transfer or hold. The cloud account with the family photos usually belongs in Hold or Transfer.
- Find the old inboxes. Yahoo closes a mailbox after 12 months without a sign-in. Gmail, after two years.
Timelines vary by state. Where a legal step comes up, the planner points you to the right professional.
Three Systems. None Of Them Talk To Each Other.
The lawyer holds one, the phone and computer another, the house the third. Nobody connects them, so the family does, one locked door at a time.
The will and the court
The will names who inherits. The court papers let the executor deal with the bank, but they do not open logins. A power of attorney ends the moment the person passes, and the beneficiary form on a 401(k) or IRA generally decides where that money goes, not the will.
The accounts and the logins
Behind almost every account is a chain of locks, and each one is a separate piece of knowledge.
- The primary email, where reset links land. “If your family can access this inbox, they can unlock almost every other account.”
- The old recovery email nobody checks anymore.
- The security questions answered years ago.
- The authenticator app. “If the phone is lost and no one knows about this app, those accounts are locked permanently.”
- The cloud. Apple’s Legacy Contact gives the family the photos, not one password.
- The primary email and the old addresses
- Twenty recovery questions
- The authenticator apps
- The password manager
Every account, the full access chain, mapped out in the order they’ll need it.
The home and the bills
As the planner puts it, “Bills keep coming regardless of circumstances.” The electricity, the water, the internet, the alarm: each has a login, a billing day and a card. Subscriptions bill until someone logs in and cancels, and many simply try the next card on file.
That is the map nobody hands you: which inbox, which account, which card, who to call first.
So we put it in a book.
Choose Your PlannerMeet The 'End of Life' Planner & Journal By Lamorial.
It’s a real, printed planner for everything they’ll need. You fill it in by hand, at your own pace, and keep it where your family will find it.
- 83 guided pages across 9 sections.
- Every page tells you what to write. You are never staring at a blank page.
- Pencil-friendly. The planner’s own advice: “Write in pencil if you can. Passwords change.”
- Large, high-contrast print.
- Nothing is stored online. No app, no login, no subscription.
The household manual that has only ever lived in your head, written down for the people you love.Choose Your Planner
83 Guided Pages. Every Page Tells You What To Write.
The First 48 Hours
One page for whoever picks up the book on the day it matters: eleven steps, in order. “You do not need to do everything today.”
Everything feels urgent at once.
Phone & Digital Access
Start here. This is what unlocks everything else. The phone and its carrier, the primary & recovery emails, authenticator apps, the password manager and twenty recovery questions.
Passwords change. These answers never do. And no one can get in without them.
Financial Accounts
Room for eight bank accounts with the payable-on-death beneficiary on each, and nine credit cards. Retirement and brokerage accounts, the mortgage, loans and pensions.
“Beneficiary designations control where funds go, not the will.” No one checks a form they do not know exists.
Home & Vehicles
Eighteen utilities and home services, each with its login, billing day, card and auto-pay. The alarm code, the Wi-Fi, where the deed is kept, the spare keys and two vehicles.
The mail piles up. “Letting mail accumulate is a common identity theft risk.”
Subscriptions & Auto-Payments
A 20-row monthly table with Netflix, Spotify and Amazon Prime already listed. Annual memberships, cloud storage marked Cancel, Transfer or Hold, and a Cancellation Log.
“Services from $4 a month to $1,200 a year can keep charging until someone logs in and cancels.”
People to Call
The lawyer and which documents they hold, the accountant, the executor and the financial advisor. Doctors, allergies, both powers of attorney, the neighbor with the key, and care notes for two pets.
“In any financial or legal emergency, call the lawyer first.” First, they have to know which lawyer.
Social Media & Digital Assets
Nineteen platforms, three more email accounts, online shopping and any Buy Now, Pay Later balances. For a crypto wallet, where the recovery words are kept, never the words themselves.
“Social media accounts don’t close automatically.” Without the logins, they “can remain active indefinitely.”
Important Documents
A location register, not a storage place: “Write where each document is kept, not the document details themselves.” The vital records, twenty-one document locations, the safe and the safe deposit box.
The funeral home asks for her parents’ full names and where she was born. “Most families cannot answer these questions from memory.”
Personal Messages
Optional pages for the words only you can write: A letter to my children, 'What I Want You to Know', Final Wishes & Requests and One More Thing.
The practical pages still do their job. The words you meant to say stay unsaid.
Keeping This Planner Current
When to update it, a yearly review record, and the last step of all: where this planner is kept, and who has been told.
“The planner means nothing if no one can find it.”
Also inside: a plain-English glossary and a checklist of the paperwork banks ask for.
Open It, And You Know What To Write.
So what does it cost to get all of this written down?
Two Different Jobs. Two Very Different Prices.
A lawyer’s estate planning package commonly runs about $1,000 to $3,000, and it is worth it. Those are the legal documents, and this book does not replace any of them.
But a lawyer will not write down which inbox gets the reset codes, which card the water bill charges, or where the spare garage key lives. That is a different job.
Typical range, estimate only. Fees vary by state and firm.
Two versions of the same month.
And the planner is right where she said it would be, because she told someone.
From The Families Who Bought It.
From a retired financial advisorClosing estates has become increasingly complicated in this era of paperless statements, subscriptions, automatic bill payments, crypto wallets, endless passwords and cell phones. This planner helps you organize all those details and more in one place.”
Wendy D. Lamorial Customer
From a professional organizerNot only is it beautifully bound and well presented, but it contains more information than any other planner I have seen... It is not just passwords.”
Denise B. Lamorial Customer
From someone already organizedI am an exceptionally organized person... However, the planner had 6 more questions that I had not covered and about 10 suggestions for my existing information. Well worth the purchase.”
Jill M. Lamorial Customer
On her mother’s affairsI manage my mother’s estate and finances... this book puts it all in one easy booklet (which is simple yet beautiful) that I can grab and go... I will be purchasing another for myself and one for my sisters too!”
MarieAnne D. Lamorial Customer
Most People Order More Than One.
More than half of our orders are for two or more planners.
One for you and your husband. One for your sister and yourself. One for each of the children. Everyone holds the same map.
If It Is For Your Children
You are not starting a hard conversation. You are handing them a book, and the moment they open it they understand what you have done for them.
“I absolutely love it, I bought one for myself and 1 for my 90 year old mother. She loved it too... this is far more organized and helps make sure you don’t forget any information.”
Fran P. Lamorial Customer
Order two and the second planner is 50% off. Order three and the third is free. Choose yours below.
'End of Life' Planner & Journal, USA Edition
The Printed Planner & Free Shipping
83 guided pages across 9 sections. Large 8.3 x 11.7 inch pages.
- A free e-bookWith For Both of Us and The Whole Family.
- The Fillable Digital Edition, freeWith The Whole Family.
For Both of Us$69
Buy one, get the second 50% off, plus a free e-book.
Choose For Both of UsThe Whole Family$90
Buy two, get the third free, plus the free e-book and the Fillable Digital Edition.
Choose The Whole FamilyRETURNS
Use your planner.30-day free returns.
If it’s not the right fit for your family, email us for a full refund. No return fee, no hidden costs. That’s our guarantee.
Good To Know.
I already have a will. Do I still need this?
The will says who inherits, not where the accounts are, which inbox gets the reset codes, or who to call first. The planner sits beside the will. It does not replace it.
We are not wealthy. Is this for us?
It matters even more. In a modest estate, the family usually sorts it out alone: an old 401(k), a joint account, a mortgage, a dozen subscriptions. The planner records where each one is and who to call.
Is filling it in going to feel heavy?
Mostly, no. It reads like a household manual: which email, which bank, which card, where the deed is. The personal letters at the back are optional.
Is it safe to write passwords on paper?
Nothing is stored online, so there is no account to hack. Keep the book somewhere secure, like a locked drawer, a home safe or our fire- and water-resistant Protection System folder. The planner even asks you to write where the safe combination is kept, not the combination itself.
Does it work in my state?
Yes. Where a state-specific legal step comes up, such as probate, the planner points you to the right professional. It is not legal, financial or tax advice.
It looks like a lot. What if I don’t finish it?
Every page tells you what to write, and you skip what does not apply. Start with the phone and the email, then take one section at a time. In the planner’s own words: “It is detailed. It is extensive. That is the point.”
What exactly do I get?
One printed planner per copy: 83 guided pages across 9 sections. For Both of Us and The Whole Family also include a free e-book, and The Whole Family adds the Fillable Digital Edition, free.
What about shipping and returns?
Shipping is free on every order. And you have 30 days: if it is not right for your family, email us for a full refund.
Give Them The Map, Not The Scavenger Hunt.
The planner’s last step ends with these words: “You have done something most people never get around to. Your family will be grateful, even if they never tell you.”
Choose Your PlannerFrom $45 · Free Shipping · 30-Day Free Returns
This planner is a personal organization tool, not a legal document, and not legal, financial, medical or tax advice. It does not replace a will, a trust, a power of attorney or a licensed professional. Rules on probate and beneficiary designations vary by state. Cost figures are estimates only. Timelines reflect published guidance at the time of writing and may change. Customer quotes reflect each customer’s own experience.
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