Canadian Edition · For the one who will sort it all out

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 favour 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
Who ends up sorting it out

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.

The road ahead

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.

1

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.
  • Ask the funeral home for several copies of the Statement of Death. Most banks accept it; order a few provincial death certificates for the agencies that insist on one.
  • Call the lawyer. They will help sequence everything else.
The kids are blindsided by 100 accounts and no idea where to begin.
2

The first monthNotify, hold, cancel.

  • Tell the bank. Accounts in one name alone are frozen once the bank is told.
  • CPP and Old Age Security payments for the months after death must be returned. Do not spend them.
  • Call the mortgage lender early. The mortgage does not disappear.
  • Stop the subscriptions. Cancelling a card may not cancel them.
  • Apply for probate, the court certificate that lets the executor act. It can take weeks or months to arrive, and it does not open a single login.
The account at the first bank is frozen. The subscriptions keep billing a card at a second bank that nobody knew about.
3

The first yearSettle, close, hand over.

  • Settling the estate runs its course, commonly six to eighteen months.
  • Each RRSP, RRIF or TFSA goes to the beneficiary named on its form. The will generally 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.
The brokerage statements go paperless to an inbox no one can open. Its reset link goes to an old Yahoo address, closed after a year of silence. The account is still there. The door to it is not.

Timelines vary by province. Where a legal step comes up, the planner points you to the right professional.

The real problem

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 probate certificate lets 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 an RRSP, RRIF or TFSA generally decides where that money goes, not the will.

In the plannerWhich lawyer holds the original will, whether each bank account is sole or joint, the beneficiary on each registered plan, and where every important document is kept.

The accounts and the logins

Behind almost every account is a chain of locks, and each one is a separate piece of knowledge.

  1. The primary email, where reset links land. “If your family can access this inbox, they can unlock almost every other account.”
  2. The old recovery email nobody checks anymore.
  3. The security questions answered years ago.
  4. The authenticator app. “If the phone is lost and no one knows about this app, those accounts are locked permanently.”
  5. The cloud. Apple’s Legacy Contact gives the family the photos, not one password.
In the planner
  • 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.

In the plannerRoom for 18 utilities with logins and the last four digits of each card, plus every subscription and automatic payment in one place.
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 Planner
The planner

Meet The 'End of Life' Planner & Journal By Lamorial.

The navy Everything They'll Need planner, Canadian Edition, with gold foil lettering, on a marble table.

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 every province & territory.
  • 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
What’s inside

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, each marked sole or joint, and nine credit cards. RRSPs, TFSAs 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 will 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 neighbour 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, an annual review page, and the last step of all: where this planner is kept, and who has been told.

“It means nothing if no one can find it.”

Also inside: a plain-English glossary and a checklist of the paperwork banks ask for.

A look inside

Open It, And You Know What To Write.

The Canadian Edition planner open to the Phone and Digital Access pages.
Phone & Digital Access: the device, the account behind it, the carrier and the Apple Legacy Contact, each on its own labelled line.
The Canadian Edition planner in an open desk drawer beside a passport and a set of keys.
The last step is a page called Where This Planner Is Kept: which room, which drawer, and who has been told. If it ever moves, one text tells them. “That one sentence could save months.”
The sizeLarge 8.3 x 11.7 inch pages, with plenty of room to write clearly.

So what does it cost to get all of this written down?

The math

Two Different Jobs. Two Very Different Prices.

A lawyer’s estate planning package for a couple 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.

The lawyerabout$1,000 to $3,000Settles who inherits and who speaks for the estate.
The planner$65Records where everything is, how to get in, and who to call first, in their own handwriting.

Typical range, estimate only. Fees vary by province and firm.

Two versions of the same month.

Without it: The reset link goes to an old Yahoo address no one knew about.
With it: The Master Key page: the primary email, the old recovery address, and the steps to reset it.
Without it: A savings account she opened years ago never comes up. It sits untouched until the bank hands it over to the Bank of Canada as an unclaimed balance.
With it: Every account, what it is for, and the name of someone at the bank who knows her.
Without it: Years of airline miles and hotel points, worth real money, expire because nobody knew the accounts existed.
With it: Every rewards program, the rough balance and the login, so the family can use or transfer the points before the accounts close.
And the planner is right where she said it would be, because she told someone.
In their words

From The Sons And Daughters Who Gave It.

After settling her father’s affairs

We 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 aunt

I 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 if something was to happen to me.”

Danielle P. Lamorial Customer
For her husband and her father

Lamorial 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-law

I 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
Choose Your Planner
For the people you love

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.

Two Canadian Edition planners on a kitchen counter beside a coffee mug.

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.

Choose your planner

'End of Life' Planner & Journal, Canadian Edition

The End of Life Planner & Journal, Canadian Edition.
What you get

The Printed Planner & Free Shipping

83 guided pages across 9 sections. Large 8.3 x 11.7 inch pages. Designed for every province & territory.

  • 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.
30DAY FREE
RETURNS

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.

Questions

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 province?

Yes. Where a province-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 RRSP, 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. You have 30 days: if it is not right for your parents, email us for a full refund.

The last step

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.”

Choose Your Planner

From $65 · 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 province. Cost figures are estimates only and prices are in Canadian dollars. Timelines reflect published guidance at the time of writing and may change. Customer quotes reflect each customer’s own experience.

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