One Day You’ll Need Everything Mom And Dad Know. Right Now, It’s All In Their Heads.
Help them get it sorted. It’s one less thing for them to worry about, and one less thing for you to guess at later. It looks like a gift for them. It’s really a favor to you both. And if they say the will already covers it, it doesn’t.
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“I bought one for my mom, one for my mother in law and one for me.”
Rhonda A, 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 kids end up at the kitchen table with a stack of mail, a laptop they 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 them who gets what. Nothing told them how to get in.
So the kids become detectives. They open drawers, read old statements and call 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 them 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 they would need it. That is the scavenger hunt, and it lands on the people who loved her most.
In most families it is the oldest, the one who lives closest, or the one who is good with paperwork. If that sounds like you, here is the road you would walk, 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. They fill it in by hand, at their own pace, and keep it where the family will find it.
- 83 guided pages across 9 sections. Designed for all 50 states.
- 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 their heads, written down so you never have to guess.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 Sons And Daughters Who Gave It.
After settling her father’s affairsWe had a hard time getting into his accounts etc. I bought one for my mom, one for my mother in law and one for me. I want to make things easier for those left behind.”
Rhonda A. Lamorial Customer
For her mom and her auntI got two of these one for my mom and aunt. They are good quality and have spaces for all your information... I will soon be getting one for myself as I want to leave my child the littlest burden as possible.”
Danielle P. Lamorial Customer
For her husband and her fatherLamorial is a slim volume that has everything your team needs to step in... I got one for my spouse, and one for my father, and both have said it was not overwhelming at all.”
Didi, Lamorial Customer
For both parents and a mother-in-lawI think this document is an absolute must and I appreciate the thought put into it... I got one for my parents and my mother in-law... my older parents will use the hard copies.”
Cam, Lamorial Customer
One For Mom. One For Dad.
More than half of our orders are for two or more planners.
One for each parent. One for the mother-in-law who runs her house the same way. One for yourself, because one day your children will be the ones at your kitchen table.
How To Give It
Do not make a speech about it. Put a ribbon on it, let them roll their eyes, and let the pages do the asking. Every page tells them what to write, so the conversation you never knew how to start happens one line at a time, in their own handwriting, without you in the room.
“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. Designed for all 50 states.
- A free e-bookWith For Both of Us and The Whole Family.
- The Fillable Digital Edition, freeWith For Both of Us and The Whole Family.
For Both of Us$68
Buy one, get the second 50% off, plus the free e-book and the Fillable Digital Edition.
Choose For Both of UsThe Whole Family$90
Buy two, get the third free, plus the free e-book and the Fillable Digital Edition.
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Use your planner.30-day free returns.
If it’s not the right fit for your parents, email us for a full refund. No return fee, no hidden costs. That’s our guarantee.
Good To Know.
They already have a will. Do they 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.
Will they actually fill it in?
Most do, because every page tells them what to write and they skip what does not apply. It reads like a household manual, not a blank journal. If it sits in a drawer for a while, that is fine. The first section they need is the phone and the email. It starts there.
Isn’t it a strange thing to give a parent?
It is the present that says what nobody wants to say out loud, without saying it. Our customers give it at Christmas, for birthdays and at retirement. The pages ask the practical questions: which email, which bank, which card, where the deed is. The personal letters at the back are optional.
Is it safe for them 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 them to write where the safe combination is kept, not the combination itself.
Does it work in their 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.
They are not wealthy. Is this for them?
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.
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 Fillable Digital Edition, free.
Will it arrive in time?
Shipping is free on every order and it ships from our US warehouse. You have 30 days: if it is not right for your parents, email us for a full refund.
Give Them The Book. Let The Pages Do The Asking.
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.”
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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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