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Families everywhere are paying more attention to emergency preparedness.
In fact, news reports last week showed that Americans are buying more survival kits, emergency food, and supplies than ever before. Stores are selling out of basic gear like flashlights, power banks, and even gas masks (Business Insider).
Last week, something big happened in the world of financial advising.
Raymond James recruited a team of advisors who managed $1.8 billion in client money.
Why did they move? Not for a bigger paycheck. Not for fancy perks.
They moved because they wanted better technology and a firm that aligned with their values.
That sends a clear message to every advisor out there:
Technology is no longer optional. It’s the new foundation of trust.
In 2025, being a financial advisor means more than managing money—it means protecting a family’s entire legacy. But most advisors haven’t caught up.
Let’s face it—these days, life feels a little more unpredictable.
The economy is shifting. Weather events are more severe. Cyber threats are growing. Even the rules...
Holistic advising has become a cornerstone for professionals guiding businesses and families through the complexities of 2025. By integrating business growth, marketing, sales, compliance, and advanced tools, advisors can deliver comprehensive solutions that meet clients’ evolving needs. A 2025 Deloitte report highlights that 68% of advisory firms see rising demand for integrated services combining wealth management, cybersecurity, and estate planning. This article explores the key trends shaping holistic advising and how advisors can leverage them to protect clients’ assets and drive sustainable growth.
In today’s digital age, your family’s legacy extends far beyond physical heirlooms or bank accounts. From cryptocurrency wallets and social media profiles to cherished family photos and critical legal documents, your digital estate is a treasure trove of personal and financial value. But without proper protection, these assets are at risk of being lost, hacked, or inaccessible when your loved ones need them most. According to a 2024 report by Cybersecurity Ventures, cybercrime is projected to cost the world $10.5 trillion annually by 2025, with personal data breaches making up a significant portion of that loss. So, how can you ensure your family’s digital estate is secure and accessible for future generations? The answer lies in zero-knowledge encryption—a game-changing technology that’s revolutionizing estate planning.
Simple Tips Every Family Can Use — And How a Digital Vault Helps
Let’s be real for a second.No one wants to think about...
The U.S. wealth management industry is at a pivotal moment. As clients increasingly seek comprehensive guidance—including tax, retirement, estate, and...
Wouldn't you like to be your client's Superman? You can be!
Families today expect more. They want guidance that spans investments, legacy, digital access, and emergency preparedness. They want legal clarity, especially around digital assets. And they want peace of mind that goes beyond markets.
That’s the true promise of holistic advising, and you can deliver! This guide walks you through the advisor matrix—now reframed with a crucial new lens: RUFADAA compliance and built-in digital access tools.
Along the way, you’ll test yourself: Can you fly above the crowd? Are you faster than a speeding change in the economy?
Being a holistic advisor means going beyond investment strategies. You help families manage insurance, estate plans, digital assets, emergency contacts, healthcare documents, and more. You're their trusted partner in planning every part of life. But here's the problem: helping clients track all those moving parts is harder than it looks.
By Michael Lester
When it comes to storing your family’s most important documents securely—wills, trusts, insurance policies, military records, deeds, passwords, and more—the stakes are high. For decades, families have relied on physical binders and file boxes to keep everything in one place. But in today’s world, those traditional methods are no longer good enough.
In a world where digital threats and unforeseen emergencies are ever-present, securing your family’s critical documents is no longer optional. From birth certificates and medical records to wills and insurance policies, your family’s future depends on keeping these essential documents safe and accessible. Digital vaults offer a modern, secure, and efficient solution. Here’s why you need to act now to protect family documents and how IronClad Family’s Digital Vault can help.
When it comes to safeguarding your family’s most important legal documents, the choice between traditional storage methods and modern digital vaults can make all the difference. In today’s digital age, where security and accessibility are paramount, understanding the advantages and limitations of each option is critical. Let’s explore why digital vaults for families, like IronClad Family’s Digital Vault, are revolutionizing document storage.
Recently, the Montana Supreme Court made a significant ruling in a case that shines a light on the importance of adhering to traditional estate planning requirements, especially in an age where digital tools and non-traditional methods are becoming more common.
In the case of Jesse Beck, who recorded a video just days before his death to express his wishes for distributing his belongings, the Montana Supreme Court ruled that the video did not meet the legal requirements of a valid will. This decision underscores a critical point: while technology offers convenience, it’s still essential to follow state-mandated protocols when creating an estate plan. For those looking to protect their assets and ensure their legacy is passed on as intended, understanding these legal requirements is paramount.
Jesse Beck’s case involved a selfie video in which he expressed his desire to leave all his possessions to his brother, Jason. Unfortunately, despite his clear intent, the court ruled that the video did not count as a legal will. Why? Because in Montana, like in many other states, a valid will must meet specific criteria: it must be in writing, signed by the testator (the person creating the will), and witnessed by two individuals who can attest to the will’s validity. A video, no matter how heartfelt, does not satisfy these requirements.
This case highlights a significant challenge in modern estate planning: the increasing use of digital tools, such as video recordings, social media, and even text messages, to express one’s final wishes. While these methods may seem more personal or convenient, they fall short in the eyes of the law, which still largely favors traditional, written documents.
Estate planning laws vary across different states. While some states are beginning to recognize digital wills or allow for alternative methods of creating a will (such as text messages or electronic signatures), most still require traditional, paper-based documents with physical signatures and witnesses.
Before you consider using technology to store or share your estate planning documents, it’s essential to understand your state’s specific requirements. Every state has its own rules regarding the creation and execution of a valid will, and failing to adhere to these rules can result in your wishes not being honored.
For example, while a video might not be valid in Montana, some states like Nevada and Arizona have passed laws allowing electronic wills. Even within these states, however, there are limitations and specific requirements that must be met, such as a secure electronic signature, verification of identity, and sometimes even remote witnessing via video calls.
Some states are more flexible when it comes to non-traditional wills if the decedent’s intent is clear. This flexibility can vary widely, though, and it’s crucial to consult with an estate planning attorney in your state to ensure that your will, regardless of its format, will be legally recognized.
At IronClad Family, we recognize the importance of both modern technology and legal formalities in the estate planning process. We’ve developed a suite of tools to help you protect your important documents, such as wills, trust documents, powers of attorney, and other critical records, in a secure, encrypted digital vault. However, it’s important to note that while our digital vaults offer state-of-the-art security and accessibility, they are not a replacement for traditional legal documents.
That said, our digital vaults can enhance the estate planning process by allowing you to store and share essential documents safely and securely. You can upload your signed, legally valid will, along with other important assets like insurance policies, health care directives, and financial records, all in one place. This not only protects your information from physical disasters like fires or floods but also ensures that your loved ones can access your documents whenever they need them, even in an emergency.
Secure Storage: IronClad Family’s digital vaults offer end-to-end encryption, meaning that your information is protected from unauthorized access at all times. This level of security is crucial for ensuring that your sensitive documents—like a will or trust—remain private and safe.
Easy Accessibility: In times of crisis, your family members may need immediate access to important documents, but if they’re locked away in a safe deposit box or buried in a file cabinet, that could cause unnecessary delays. With IronClad Family’s digital vaults, your loved ones can access your important documents from anywhere, anytime, through a secure login.
Peace of Mind: Knowing that your estate planning documents are stored in a secure, easily accessible place provides peace of mind—not only for you, but for your family. By using a digital vault, you’re ensuring that your wishes are respected, even if something unexpected happens to you.
Future-Proofing: The future of estate planning will inevitably include more digital tools and processes. By storing your documents in a digital vault, you are preparing for a future where electronic wills and other digital estate planning methods may be more widely accepted.
While IronClad Family’s digital vaults offer unparalleled convenience and security, it’s important to remember that the law still requires your will to be in the appropriate format according to your state’s rules. Here’s how we can help:
Legal Guidance: Our platform is designed to help you stay organized and store all your estate planning documents in one secure place, but we always recommend consulting with an estate planning attorney to ensure your will is legally valid in your state. Our team can help you connect with trusted legal professionals who can guide you through the process.
Compliance Tools: As the law evolves, IronClad Family is committed to staying up-to-date on changes in estate planning regulations. We monitor developments in electronic wills and other estate planning technologies, so you can be confident that your documents are stored in a way that complies with current legal standards.
Document Versioning: Estate planning isn’t a one-time task; it’s an ongoing process. As your life circumstances change, you may need to update your will or other legal documents. Our digital vaults offer versioning, so you can track updates to your documents and ensure your most current wishes are always available.
Customizable Permissions: IronClad Family allows you to control who can view your documents and when. You can set permissions to ensure that only authorized individuals can access certain sensitive information, such as your will or medical directives.
The Montana Supreme Court’s ruling serves as a reminder that while modern tools like videos and text messages may seem appealing, they often don’t meet the legal requirements for estate planning. To ensure that your wishes are honored, it’s crucial to work with a qualified estate planning attorney and follow your state’s legal guidelines.
If you haven’t already, take the time today to create a legally valid will and store it in your IronClad Family digital vault. With our help, you can ensure that your family’s future is protected and your legacy is passed on exactly as you intend. Whether you're storing important legal documents, emergency access instructions, or financial details, IronClad Family is here to make sure your estate planning is as secure, organized, and accessible as possible.
A secure digital vault is more than just a digital storage space; it’s a critical tool for safeguarding sensitive documents and ensuring peace of mind for families. In 2025, these tools have evolved to include robust security features, automated delivery, and user-friendly interfaces tailored for comprehensive estate and emergency planning. Here, we delve into the best features to look for in a secure digital vault and why IronClad Family’s Digital Vault remains the top choice for families.
When it comes to protecting your family’s most important documents and ensuring your legacy, having a reliable digital vault is essential. Among the many options available, IronClad Family’s Digital Vault stands out as the best choice for families. With unique features tailored to estate planning, funeral preparation, and long-term document security, IronClad Family is redefining what a digital vault can do.
Planning for the end of life is never easy, but it is one of the most meaningful ways to protect your family and ensure your wishes are honored. From organizing vital documents to automating their delivery, a well-thought-out plan provides peace of mind for you and your loved ones. In this guide, we’ll walk you through every step of end-of-life planning and how tools like IronClad Family’s Digital Vault can make the process seamless.
Emergencies can strike at any moment, and being unprepared can have devastating consequences. Whether it’s a medical emergency, a natural disaster, or an unexpected death, having quick and secure access to vital legal documents can make all the difference. This guide explores how families can ensure they’re ready for life’s unpredictable events, leveraging digital vaults with automated document delivery systems.
As our lives increasingly move online, safeguarding personal and family documents has become a top priority. Whether it’s birth certificates, legal contracts, or cherished family photos, these critical items require the best protection available. Zero-knowledge encryption is revolutionizing the way we secure data, offering unparalleled privacy for families. In this blog post, we’ll explore the benefits of zero-knowledge encryption and why it’s the gold standard for digital vaults like IronClad Family’s Digital Vault.
In today’s digital world, protecting personal and family documents has become a necessity. Whether it’s financial records, medical histories, or cherished family photos, having a secure, encrypted storage solution is critical. This guide explores affordable options for encrypted digital vaults, their benefits, and how you can start safeguarding your family’s data today.
Managing your family’s important documents has never been more critical. With everything from medical records to financial statements turning digital, having a centralized system to organize these documents ensures security, accessibility, and peace of mind. This guide provides a step-by-step approach to organizing your family’s documents online, using the latest tools and technologies.
In today’s digital world, traditional methods of storing critical documents like wills are quickly becoming outdated. As families face increasing concerns over accessibility, security, and privacy, many turn to encrypted digital vaults for secure, organized, and reliable document storage for end-of-life planning.
If you're wondering, "Where can I store a will securely online?" this guide will provide clear answers, practical steps, and insights into why a digital vault is the best choice for safeguarding your legacy.
Historically, people have relied on physical storage options for wills, such as safes, filing cabinets, or safety deposit boxes. However, these methods come with significant risks:
Natural disasters, fires, or water damage can destroy physical documents. According to FEMA, 25% of businesses affected by disasters fail to reopen, partly due to lost records. Families face similar risks when storing wills in physical locations.
Safety deposit boxes, for instance, can be difficult to access in emergencies. Loved ones may not even know the location of the will, leading to delays and stress during critical times.
Physical copies are susceptible to theft or being misplaced. Without a backup, the consequences can be irreversible, leaving families unprepared.
Digital vaults are revolutionizing how individuals store and manage their wills and other essential documents. By providing encrypted digital vaults, platforms like IronClad Family ensure a level of security and convenience that traditional methods simply cannot match.
Digital vaults use cutting-edge encryption, such as zero-knowledge encryption, which means your data is encrypted on your device before it reaches the cloud. This guarantees that even the service provider cannot access your files.
Digital vaults eliminate the barriers of physical storage by making documents accessible via any device. Whether you’re at home or traveling, your will is just a click away.
Platforms like IronClad Family allow you to set up automated delivery systems, ensuring your will is delivered to the right people when it's needed most.
A digital vault provides a single, organized space for all end-of-life planning documents, including wills, medical directives, and insurance policies. This streamlines access and eliminates confusion for your loved ones.
If you’re ready to transition your will to an encrypted digital vault, follow these steps:
Look for a platform that prioritizes security, accessibility, and family-centric features. IronClad Family’s Digital Vault is a top choice, offering robust encryption, user-friendly interfaces, and emergency access tools.
Scan your physical will into a high-quality digital format (PDF recommended). Ensure the file is legible and stored in its entirety.
Log into your digital vault and upload the file. Use clear labeling, such as “Last Will and Testament,” for easy identification.
Store your will in a dedicated folder for legal documents. Consider creating additional categories for financial records, medical directives, and personal letters.
Designate trusted individuals—such as family members or legal representatives—who will have access to your will. Set specific permissions to control what they can view and when.
Ensure that all uploaded documents are accessible, and permissions work as intended. Conduct periodic reviews to keep your vault up to date.
One of the standout features of a digital vault is its ability to automate the delivery of critical documents during emergencies.
During emotionally charged times, automated delivery removes the burden of locating and sharing documents, allowing families to focus on what truly matters. Platforms like IronClad Family excel in providing these capabilities, offering both efficiency and peace of mind.
Imagine a scenario where a family is unaware of the location of their loved one’s will. With an automated digital vault, the document is securely delivered to their inbox, ensuring the family can act promptly and in accordance with the individual’s wishes.
The shift toward digital vaults reflects broader trends in personal and family data management:
Storing your will securely online is not just about convenience—it’s about protecting your legacy and ensuring your family’s peace of mind. With IronClad Family’s Digital Vault, you can:
Don’t wait to secure your legacy. Start your 14-day free trial today by visiting IronClad Family’s Digital Vault. Experience the future of estate planning with the confidence that your family will always be prepared.
As technology advances, so does the need for families to secure their essential documents and personal information. A digital vault is no longer a luxury but a necessity in 2025. From tax records to medical files, protecting sensitive data has never been more important. Here’s everything you need to know about why every family should invest in a digital vault this year.
Emergencies are an inevitable part of life. Whether it’s a natural disaster, a medical crisis, or the sudden loss of a loved one, being prepared can make an enormous difference in how families cope and recover. Yet, planning for such events is often overwhelming, emotionally taxing, and logistically challenging. Despite the best intentions, many families are ill-equipped to deal with emergencies, leaving them vulnerable to unnecessary stress and potential loss of critical information.
Despite the critical importance of having a will or plan in place to protect loved ones, only 33% of Americans have taken this essential step. Learn how IronClad Family Digital Vaults can be the game-changer in securing your family's future.
The financial advisory industry is undergoing a major transformation. Clients are no longer satisfied with traditional investment management alone—they want a comprehensive approach that considers their entire financial picture. Holistic advising ensures that all aspects of a client’s financial life—investments, tax planning, estate strategies, insurance, and risk management—are integrated into a unified plan that supports their short-term and long-term financial goals.
In today's digital age, protecting digital assets is crucial for financial advisors to maximize their sales and ensure client trust.
Discover how Ironclad VIP Agent offers top-notch security for your crypto wallet through cutting-edge zero knowledge encryption technology.
In a broader sense, both commodity and security are assets. Assets are either commodities or securities. However, it needs to be clarified with digital assets.
The simple answer to the question, do you need a lawyer to get a power of attorney, is no. Although it is a legal document carrying sensitive information as it is a matter of life and death, it is so simple that you can do it yourself without getting help from an attorney.
Power of attorney is a legal document that authorizes the nominated person to make decisions on behalf of the person nominating him. If he is authorized to make financial decisions, it is called a financial power of attorney, while medical decisions are covered under a medical power of attorney.
Financial power of attorney or POA is a legal document that grants a trusted agent the authority to act on behalf of the principal agent in financial matters. The trusted agent is the person to whom the power is vested, while the principal agent is the person who grants this authority.
Prayers are not only a source of catharsis but also the last hope when life throws its storms on the way. There are certain situations when nobody can help even though they have all the stuff in their hands; money, loved ones, family, or friends. We all feel helpless sometimes, you know, facing stuff like nasty diseases, long-term health issues, or mental health struggles. That’s when we need spiritual healing by communicating all our sorrows to Him Who has all the powers to heal us.
Country songs have a vibe that moves the listeners, and some singers are synonymous with country music, like Alan Jackson. His rich and deep voice is ideally suited for country music.
The world is shifting from physical paperwork to digital documentation. Digital assets are becoming an integral ingredient of success for both large and small businesses. However, small businesses have been stuck in different challenges while competing in such a dynamic environment. However, it does not affect the fact that for a small business having digital assets, a digital assets management system is inevitable if they want to stay competitive.
It is always tough to write obituaries for friends, but life is full of surprises. Therefore, you may be tasked to write an obituary for a friend or family. Since it is a tough time, so it is quite human to find it hard to understand where to start.
Emerging technologies are expanding. Digital transformation has become popular recently. Businesses seek it to keep up with new tech norms. Therefore, digital transformation in asset management is no exception.
The world has transformed into the digital landscape, leaving corporations to develop effective digital asset management requirements to safeguard them against potential threats.
In the digital age, our lives are increasingly intertwined with technology. From social media profiles to online banking accounts, our digital footprint continues to expand. As such, it's essential to consider what happens to our digital assets and online presence after we're gone. This is where digital estate planning comes into play, and within communities, it takes on a unique significance.
In the rapidly evolving world of cryptocurrency, safeguarding your digital assets is paramount. As the market expands, so do the risks associated with storing your valuable cryptocurrencies. In this article, we'll explore the most secure way to store cryptocurrency and provide insights into the best practices for keeping your assets safe from various threats.
Everybody on this planet has to go through a tough time. And it’s hard to see your friends, family, or spouse going through a depressing stage and not knowing how to deal with it. You feel the pain and want to help them in this difficult time of their lives. However, you don’t know how you can step in and make them feel light-hearted with your words & actions.
Digital asset management is the only solution for companies and organizations to invest a lot of money, manpower, and time in creating a lot of digital assets in the present era of emerging technologies and competitive digital environments. 51% of marketers waste their time resources and energy recreating unused or misused assets.
After one's demise, destiny remains shrouded in mystery, yet one certainty prevails: Material wealth cannot accompany you beyond the grave.
Your daughter's birthday is a special occasion filled with joy, love, and celebration. As a parent, you want to make her feel cherished and loved on her big day. One way to create unforgettable memories is by choosing the perfect song that captures the essence of your relationship and celebrates her uniqueness.
Introduction
Sometimes, Our family members, besties, and closest ones are seen as upset and rude due to life issues. It's no secret that we all have those tough days where we could use a boost of positivity. Having supportive individuals around to uplift us, inspire us, and help snap us out of a funk is invaluable.
In times of sorrow and hardship, the phrase "our thoughts and prayers are with you" has become a universal expression of empathy and support. From its humble origins to its widespread use in various contexts, this phrase has transcended its religious roots to become a cultural mainstay.
In the digital age, expressing empathy and providing comfort has expanded beyond face-to-face interactions. Knowing how to comfort someone over text is a valuable skill in fostering emotional connections. This guide unveils the nuances of offering solace through written words, ensuring your messages are not only supportive but also genuinely comforting.
In many states, spouses are joint owners of all assets, including property. However, specific conditions have recently eased this law through community property states by allowing partners to own property individually.
Funerals are inevitable, as we have to attend them at some point in our lives. These are social obligations and a vital part of the grieving process. We must dress modestly while going to a funeral; adherence to the dress code is essential.
Saying goodbye to loved ones is the most challenging thing to do in life. Nevertheless, it is imperative, as we all have to go through this pain at some point. Moreover, we all want to offer a send-off deservedly of the departed soul. Therefore, the choice of funeral songs for the older generation makes the gathering memorable.
Funerals are inevitable, as we have to attend them at some point in our lives. These are social obligations and a vital part of the grieving process. We must dress modestly while going to a funeral; adherence to the dress code is essential.
Crying is a human thing we probably must have called in our life. There is no shame in crying since numerous human emotions elicit tears like sadness, joy, and anger. there it is commonly said that it’s okay to cry.
While memorial services and funeral services may share some similarities, there are key differences to consider when planning a meaningful tribute to your loved one. Every family uniquely chooses how to honor their loved one.
An estate settlement occurs when the court approves the final report submitted by the executor or administrator. At the same time, the executor's report contains details of payments of the deceased's debts, including taxes and loans. In contrast, any receipts from the sale of assets go to heirs or will beneficiaries.
If you are planning to set up a living trust, you will hear a lot about two similar terms – trustee and trustor. Although these appear the same, they have significant differences. Therefore, it is crucial to understand the differences between them before finalizing your trust.
Probate sale is the legal process of selling or division amongst heirs of assets of the person who has died without leaving the will. It covers all purchases, including cash, property, and investments.
Music is a language beyond words and is powerful. Friends and families share music to make certain occasions memorable. Likewise, playing songs at a funeral helps you pay tribute to your loved one who has departed. Funeral songs are a tradition to pay homage to the departed soul.
Power of attorney is a document containing information about a person nominated to decide on behalf of the person issuing this document. It will come into the act when the nominating person dies or is living but is incapacitated, unconscious, or unavailable.
Will is a written document through which a testator makes known their wish regarding handling their property after their death. A will ease the family and the person writing it to avoid future conflict.
Will is the expression of desires of the person. Although the last will and testament vs. living will sound the same, these are legally different documents. These are both separate desires and bring different legal procedures.
Financial planning is one of the essential components of an individual's long-term well-being. However, it becomes more critical if you face the prospect of a divorce. Hence, financial divorce planning is the most significant area of concern for individuals facing relationship uncertainty.
Wealth management and financial planning are entirely different concepts despite having overlapping characteristics. Many people consider them a single thing; instead, they are two faces of personal finance coin. We will discuss wealth management vs financial planning in detail in this article.
Planning is the tombstone for the success of any task, and a funeral is no different. Many individuals are developing cremation funeral plans to save time and money for their loved ones once they are gone.
In the age of digital technology, our lives revolve around data. Most important data, from personal photographs to sensitive financial data, is now stored digitally. This shift has led to the need to secure your data as a top priority.
When faced with the emotionally demanding chore of preparing a funeral, a detailed funeral planning checklist can be a lifeline. It is a complete and well-organized guide, ensuring the funeral procedure is well-handled.
In the present uncertain world, being prepared for emergencies isn't just a matter of choice but a necessity.
Digital documents have become an element of our daily lives, ranging from critical legal documents to precious photos of our families. There is a need for a secure and effective storage system for these files, which is now more crucial than ever before.
In a world that is full of uncertainty, having effective emergency planning and Preparedness is essential. Events can strike at any moment, ranging from natural catastrophes such as hurricanes and earthquakes to sudden circumstances like power outages or the possibility of a global pandemic.
Funeral pre-planning is a thoughtful and thoughtful approach to ensure your final wishes are respected and that your loved ones do not have to be forced to make difficult decisions during grief. In this comprehensive guide, we look at the why, what, and the process of planning your funeral. We will examine the benefits, strategies, financial considerations, and frequently asked questions.
In today's ever-changing financial landscape, making sure you are ensuring the security of your financial future is more important than ever. Life has many uncertainties; if you plan it properly, you could avoid finding yourself in a financial mess. This is where financial planning is essential.
In today's digital age, the need to safeguard sensitive information has never been greater. As the world increasingly relies on digital technology, the importance of Secure Digital Vaults has grown significantly. This article will explore safe digital vaults' purpose, components, and examples.
The need for an online digital vault is a crucial issue in an increasingly digitalized world. Digital vaults online serve as safe storage to protect valuable digital assets and sensitive information.
Emergency preparedness is an indispensable aspect of modern living. In an uncertain world, being ready for emergencies shouldn't just be seen as an option but an absolute necessity; its importance cannot be overstated.
An organized disaster preparedness strategy can be life-saving in a fast-paced world with many uncertainties. The unexpected can occur at any time from natural disasters and unexpected events. This is why it's crucial to take a proactive approach in the emergency planning process to ensure you are secure and contribute to the strength of your community.
When you're faced with making arrangements for funerals, it is essential to manage this emotional journey with the utmost care and attention. Planning a funeral requires a lot of choices and intricate aspects that require attentiveness. To assist you in this incredibly complicated and sometimes confusing process, we've outlined the steps to consider in creating funeral arrangements.
In the dynamic world of business, success isn't just about innovation and hard work; it's also about strategic planning, especially when it comes to your business plan and your business financials. In this blog, we'll explore why a business financial plan is essential and what crucial elements it should contain. Business financial planning is more than just a buzzword and more than just a good idea. It's the key to sustainable growth and prosperity.
You’ve probably heard the saying “Those who fail to plan, plan to fail.”
Hurricanes and Earthquakes and Fires, Oh My!
If you are a proud parent of a recent high school graduate preparing to send your child off to college, congratulations! As you make the final preparations for this exciting new chapter in your life, it's essential to consider your future beyond dorm room essentials. Estate planning may not be the first thing on your mind, but it's a critical step in ensuring your child's well-being and providing peace of mind for both of you. In this article, we'll explore the documents that every college student should have and why they are indispensable.
Many people prefer not to think about the end of life, but planning for the inevitable can bring peace of mind and ensure that your memory lives on in a way that truly reflects who you are. To help you navigate this journey, we present the ultimate Funeral Plans Guide - a comprehensive resource that will not only ensure that your wishes are carried out but also strengthen the bonds of your family. From understanding the importance of Funeral Planning to crafting a personalized roadmap, this guide covers it all.
After much research and consideration, you’ve concluded that you need a sustainable means of protecting yourself and your family’s future by organizing your digital estate.
Finding the best platform to store and manage all of your family's information can be a daunting task. For example, you may need secure access to information like:
What type of trust should I use? We see this question asked all the time. It becomes more of a pressing matter if you have a family. And you’re probably reading this because you want that peace of mind that comes with finally knowing you made the right decision after weighing your options carefully.
Welcoming a child into your life is a momentous occasion that fills your heart with immeasurable joy and a renewed sense of purpose. From their first steps to their first day of school, you cherish every milestone, nurturing their dreams and aspirations along the way. While your focus may naturally be on creating a nurturing and secure environment for your little ones, it's essential not to overlook the importance of protecting their future.
Life planning may seem like a distant concern, often associated with older age or the accumulation of vast wealth. However, as a parent, it’s an indispensable tool for safeguarding your children's future, providing them with stability and protection even in the face of life's uncertainties. By implementing effective strategies, you can ensure that your children are well-cared for, financially secure, and shielded from unnecessary burdens during difficult times.
In a world where time sweeps us forward and memories fade like whispers in the wind, there’s this indescribable longing to preserve the essence of who we are, to safeguard the stories that define our very existence.
Which is probably why you’re reading this post. Because you feel that need too.
We are more than mere individuals; we are a tapestry woven together by the threads of our ancestors, their triumphs, struggles, and unwavering resilience. Family history is not just a collection of names and dates; it is the heartbeat that connects us to our roots, carrying the weight of generations that came before us.
Most everyone has heard of encryption in the news, and most have a basic idea of what it is, but the details of encryption and how it is implemented can make the difference between whether your data is truly secure or if you merely have the illusion of security. Whatever mathematical algorithm is used to physically encrypt data, it really isn't secure unless the encryption is implemented using something called “Zero Knowledge Encryption”, but what is that?
Storing important documents securely is more important today than ever before. With the rise of cybercrime, data breaches, hacking attempts, and scams, it's crucial to have a secure way to store and protect sensitive information. More and more people are realizing that the best solution for protecting their important information is storing it in a secure online vault.
The world of cryptocurrency is gaining momentum and has become an exciting area of exploration for people from all walks of life. With the rise of digital currency, new techniques for securing cryptocurrency assets are being developed. One of the most popular and secure ways to protect cryptocurrency is by using a passphrase.
So, you’ve finally decided that you should have a wallet that shields RFID to protect your credit cards. You’ve made a wise choice! But which one? There are literally hundreds of them out there to choose from. I can’t tell you which one is right for you, but I CAN help you decide by listing some of the features that you should look for and some things to look out for!
RFID technology is becoming increasingly common, especially in retail situations. RFID stands for “Radio Frequency Identification”, and it is used with credit cards, passports, driver's licenses, retail store anti-theft systems, and even on trains and large shipping containers. As with most things, however, the more convenient something is, the higher the risk of misuse. More specifically for most of us, RFID-enabled credit and debit cards can be skimmed by hackers. This is where RFID-blocking wallets come in. In this blog, I’ll briefly discuss what RFID-blocking wallets are, how you could theoretically make your own, and how to protect your wallet from being scanned by hackers.
“Military Grade” or “Bank Grade” encryption doesn’t necessarily mean that your information is safe.
Regardless of how large or small your estate is, nothing compares with the peace of mind that comes from knowing that if something were to happen to you, your assets (that you’ve worked your entire life for) will be managed exactly how you want it, without any alterations.
Now there is a new hack that allows hackers to access your phone using a brute-force fingerprint attack.
You’ve probably seen advertisements online or on TV for RFID-blocking wallets, but what is an “RFID Blocking Wallet” and why is it important? If you aren’t an electrical engineer it may not make a lot of sense, but I am an electrical engineer and explain what it is and why you really should have one.
In today's modern world, technology has made our lives more convenient in many ways. However, it has also made us more vulnerable to attacks from hackers and scammers. One of the ways these criminals can gain access to our personal information is through RFID (Radio Frequency Identification) technology. This is where RFID-blocking wallets come in.
According to the U.S. Census Bureau, the number of people primarily working from home tripled between 2019 and 2021. That is 27.6 million Americans. Don't think that hackers haven't noticed this, and don't think that you don't have anything to protect. Your home business is more at risk than you probably imagined, but it doesn't have to be that way. Here are 5 steps to make it more secure and ensure that your hard work doesn't get lost or stolen.
According to Greek Mythology, Pandora had a jar containing all manner of misery and evil. Pandora opened the jar, all of the evils flew out over the earth, and it was impossible to put them back into the jar. Social media can be very useful and when used wisely, it can bring people together, but like Pandora's box, once things are released, it is impossible to get them back.
Life insurance is an important part of family protection that ensures that your family is taken care of in case anything happens to you. Unfortunately, many life insurance policies don't actually get paid to the beneficiaries. Read on to find out why and learn what you can do about it.
As a professional getting closer to retirement, creating a will, trust, and estate plan might feel increasingly urgent. But where do you begin? And who has the time? It might feel overwhelming to create and collect documents with all the different professionals required to protect your estate, including financial planners, lawyers, and insurance agents.
The challenge with hoarding documents is that as more and more start adding up, it is quite easy to lose track of what’s in there and what’s not – not to mention that large stacks become increasingly difficult to manage. If you are looking to create a legacy plan based on those documents, your family might find it difficult to sort through them. There is also a risk of those files getting damaged.
Over the course of our blog, we have mentioned several key elements that make an insurance company desirable for customers. From offering clients bespoke solutions to their needs all the way to ensuring they are satisfied with your service and policies; everything adds up.
When it comes to legacy planning, many think that distributing your financial assets is all there is to a good legacy. However, it is important to remember that money will only last so long, while property tends to lose its sentimental value over time.
A survey published in 2019 showed that globally, 54% of individuals were concerned about their privacy. 68% of Latin Americans and 48% in North America reflected the same concern. More than 61% of Americans suggested that they wanted to do more to protect their privacy. Here is a graph to illustrate our point:
2020 has been an exceptionally uncertain year, impacting both individuals and businesses. Countless businesses faced interruptions, leading owners to make tough decisions, including closing their doors to the public. These challenges weren't solely attributed to COVID-19 but also resulted from civil unrest, natural disasters, and unforeseen events.
In such times, the significance of business insurance, particularly business interruption insurance or business income insurance, becomes paramount. This discussion delves into the crucial role this insurance plays in ensuring business continuity and effectively responding to potential losses.
Business Interruption Insurance – What Is It?
Business interruption insurance is a coverage type that activates when a business experiences income loss due to unforeseen circumstances, particularly unexpected disasters like flooding, hurricane damage, fires, or events such as the COVID-19 pandemic.
It's essential to note that this insurance isn't typically sold as a standalone product but is usually included in a comprehensive package, as an add-on, or rider. A typical business interruption clause might read:
"The Insurer shall pay for actual business income loss the insured sustains due to the necessary suspension of 'operations' during the period of 'restoration.' Suspension must be a result of direct physical loss, damage, or destruction to the insured party’s property and result from a covered cause."
Several key conditions need fulfillment for business interruption insurance to be applicable. Key elements include:
Actual Business Income Loss
Coverage is limited to the actual loss a business sustains due to an unforeseen disaster leading to a business interruption. The insurer pays based on the business's past performance or the policy limit.
Business Income
Business income encompasses net income and operating expenses, including salaries and overheads that must be paid despite the suspension of operations.
Restoration Period
The insurer is liable to pay for income lost during the restoration period—the time needed to bring the damaged or destroyed property back into operation. This period begins at the occurrence of the loss or damage and extends until the property is reasonably repaired or rebuilt. The coverage persists until the limit is reached or the restoration period is complete, even if the policy expires during this time.
Contingent Business Interruption (CBI)
This is an insurance extension covering the loss of business income due to damage to assets or property owned by a third party, including suppliers, receivers, manufacturers, and lessees.
Civil or Military Authority Business Interruptions
This clause covers actual loss of business income due to civil or military prohibitions, with coverage extending up to 30 consecutive days unless otherwise specified.
If you'd like to learn more about business interruption insurance or are looking for ways to protect your business against uncertainties, get in touch with us via call or email. We'll help you keep your business safe and ensure continuity, all while helping you maintain your legacy!
The Coronavirus pandemic sent shockwaves across the globe, prompting an inevitable need for change in everyone's lives. Daily reports during the height of the pandemic brought the stark reality of mortality into our homes through various devices. It underscored the necessity of planning for the future, whatever that future might hold. To facilitate this planning, we've crafted a checklist to guide you through the process. Tackling these tasks gradually, rather than all at once, can help create a comprehensive life plan that will fortify you and your loved ones against any unforeseen event.
IIn 2020, 54% of Americans owned life insurance, while 91.5% had a health insurance plan. Despite the substantial gap in ownership percentages, these terms, health and life insurance, are often mistakenly used interchangeably. This common error can have direct implications for financial planning and, ultimately, one's well-being.
Cryptocurrency and Bitcoin security have always been a delicate matter concerning insurance. With over 7% of Americans owning cryptocurrency, the demand for this relatively secure asset is steadily rising. As global interest in cryptocurrency grows, governments are closely scrutinizing the asset. The Kimmelman v. Wayne Insurance Group case serves as a prime example of the complexities involved in insuring cryptocurrencies.
The challenging realities of remote work are affecting everyone globally as dependence on it increases. People are becoming more frustrated, businesses are facing difficulties, and many struggle to ensure continuity, with insurance agencies being no exception. Failure to adapt to the cloud and foresee the impacts of events like COVID-19 has left some struggling. This article explores how businesses, particularly in the insurance sector, can enhance resilience and maintain effective business succession planning in the post-pandemic era.
Inevitably, the truth looms over our lives – the day when we may not be here to relish the fruits of our labor. While presently you diligently care for your family, what happens when you're no longer around? Enter legacy planning.
In an unpredictable financial landscape, ensuring wealth preservation is paramount. Financial advisors emphasize managing assets and preparing for potential downturns. The current economic volatility has reshaped the relationship between legacy planning and life insurance, making wealth transfer a nuanced process.
In recent times, there has been a remarkable surge in the number of wills, witnessing a 143% week-on-week increase since the onset of the lockdown, with projections anticipating a rise to 220%. This shift challenges the conventional belief that legacy planning and will creation were exclusively for the affluent. Now, it's widely recognized that safeguarding assets and ensuring family protection necessitate a well-thought-out will.
The COVID-19 pandemic has ushered in a new era for legacy planning, prompting individuals and businesses alike to reconsider the 'what ifs' previously overlooked. As interest in estate planning surges, the effects of COVID-19 on wills and legacy considerations come to the forefront.
Amid the challenges posed by the COVID-19 pandemic, the insurance sector, aside from healthcare, has emerged as a vital player in supporting economic development and resilience in the United States. With lockdowns enforced nationwide from April 9th, insurers have adapted to remote work, driving digital transformation and innovation.
The shift to digital channels has reshaped interactions between insurers and the insured, prompting questions about the lasting effects of COVID-19 on the insurance sector. Is this a transformative "catalyst" for long-term improvement, or merely an "opportunity"? And are the impacts short-term or enduring?
Let's explore the effects of COVID-19 on the insurance sector and its implications for the quality of life for families.
Insurance companies in the U.S. are offering discounts and refunds to both existing and new customers to alleviate the impact of the pandemic. While appealing, these measures may pose challenges for insurers in justifying refunds once the situation stabilizes, especially if a significant number of claims arise.
COVID-19 has intensified concerns about the fairness of insurance rates. The uncertainty surrounding lockdowns has led to a shift towards the usage-based insurance (UBI) model, particularly in motor vehicle insurance. Factors such as driving frequency (Pay As You Drive) and driving behavior (Pay How You Drive) are becoming pivotal in determining insurance packages.
Following the SARS outbreak in 2003, there was a surge in demand for business protection, and a similar trend is anticipated post-COVID-19. Despite the ongoing pandemic, the reopening of economies has driven a 30% increase in the demand for life insurance, facilitated by online portals and digitization.
Historical trends show that during the SARS outbreak, policyholders surrendered unit-linked insurance policies (ULIP), affecting the product mix. The current situation may exert short-term pressure on the Value of New Business (VNB), but overall margins are expected to remain stable, with protection products outgrowing savings.
A holistic view of the insurance sector under COVID-19 reveals:
While both insurance providers (IonClad Family) and families face challenges, perseverance is key. As the wheels of the economy slowly turn, uncertainties for the insurance sector and the quality of life for families persist. For further insights or contributions, feel free to contact us via email or in the comments section. [Link to "The Efficiency of Remote Insurance Agents During COVID-19 Lockdown"]
Ensuring the secure future of your assets after your passing is a significant concern for many individuals. While safeguarding tangible assets is a common practice, the protection of digital assets is often overlooked. In this guide, we will explore comprehensive strategies to safeguard all types of assets and secure your family's future.
Act proactively in securing your family's future by exploring insurance plans with adequate coverage. Early action is crucial for effective legacy planning.
While insurance provides protection, IonClad Family ensures comprehensive safeguarding. Federal laws offer unlimited asset protection to ERISA-qualified retirement plans, with up to $1 million in asset protection in an IRA during bankruptcy. Check your state laws for additional protection guidelines.
The digital revolution has introduced a new dimension to asset protection. Follow these steps to safeguard your digital assets:
As technology rapidly evolves, estate planning must adapt to include the protection of digital assets. IonClad Family provides a holistic solution to safeguarding both tangible and digital assets. By following these tips, you can initiate a comprehensive plan to protect your assets and ensure a secure future for your family.
The unfortunate reality is that many individuals reach their later years wondering where time went. Caught up in the daily grind, we forget to assess life's journey. Legacy planning offers a purposeful and intentional way to navigate life's decisions and prioritize what truly matters. Though not rocket science, it demands time and effort to set your legacy on an intentional path. Answering these legacy planning questions is a crucial starting point.
Every year, hundreds of thousands of dollars are lost due to insufficient asset protection. Individuals, insurers, and corporations are seeking legal and secure ways to safeguard their finances. Here, we provide a comprehensive overview to help you make informed decisions for protecting your assets now and for future generations.
The internet, nearly infinite and filled with private information, offers quick accessibility to data but also poses a risk of unauthorized access. To ensure the safety of your information, data encryption becomes paramount.
With today’s medical and technological advancements, ensuring the security of your medical record storage is crucial. Most medical records are transitioning to...
Have you started your estate planning? Whether or not you’ve already started, you’ve probably wondered about your document safety. When starting the estate planning process, most people wonder whether or not their documents will stay safely away from those who shouldn’t have that information. How can you be sure? With Legacy Armour, it’s easy. In fact, you can have total peace of mind over your estate planning documents for the rest of your life.
When you bought your life insurance policy, you wanted to protect your family. Your life insurance benefits could help your family pay for expensive funeral costs and keep themselves from other financial difficulties. But what if your family didn’t have access to those life insurance benefits? Sadly, unclaimed insurance benefits leave many families without the protection that they need after a loved one passes away.
One of the best gifts that you can give your family is an easy transition after your death or incapacitation. Nobody enjoys thinking about emergency planning, but before you move on to a more pleasant topic, take just a minute to imagine what your family might go through in the case of your death. Grief is difficult enough on its own. Grief combined with uncertainty can cause added pain and unnecessary anxiety. You can prevent this uncertainty. Have you taken some time for emergency planning?
Digital assets, our intangible digital property, encompass various items such as purchased media files, personal memories, and sensitive information like...
In safeguarding yourself, your family, and your business, proactive planning is paramount. While you may have taken steps to protect your family's future, have you considered securing your corporate assets today? Asset protection is not just for the future—it provides immediate safeguards for your business.
Nobody likes to contemplate mortality, yet we plan diligently for life's uncertainties. We draft wills, secure life insurance, and strive to ease transitions for our loved ones. But have you considered a life-monitoring platform?
Whether you've built your small business from the ground up or inherited it as part of a family...
In a rapidly evolving technological landscape, where today's advancements become obsolete tomorrow, the paradigm shift from traditional to digital practices mirrors the evolution of human civilization. From the era of print documentation to the current demand for space efficiency, environmental friendliness, and user-friendly services, various industries, particularly finance, have embraced digitization. The IronClad Family, specializing in encryption and information escrow, stands at the forefront of addressing the growing need for secure digital transactions or secure digital vaults.
Data security breaches, even of minor magnitude, can lead to significant harm to an organization. Startling statistics indicate that many companies facing data breaches ultimately go out of business due to the catastrophic loss of consumer trust. Furthermore, the Federal Trade Commission considers the failure to implement adequate security an unfair trade practice that can result in substantial fines and potential criminal charges. Thus, safeguarding your corporate legacy with cutting-edge encryption practices, such as Encrypted Vaults and Data Security, is imperative.
"Believe it or not, data drives every marketing decision in the modern business landscape. Businesses have transitioned from offline to online models, making databases indispensable across industries. Simultaneously, hackers have grown more aggressive, targeting financial assets and personal data of all age groups. Recent ransomware attacks serve as stark reminders of this evolving threat. Thus, the need for robust encryption solutions like encrypted vaults is paramount.
Since the inception of cryptocurrency, significant advancements in security have been made. However, this digital currency has become a prime target for hackers and criminals worldwide. Cases of cryptocurrency wealth disclosure leading to issues like ransom abduction and armed robbery have emerged in the US and beyond. To address this challenge, safeguarding your cryptocurrency wallet is paramount.
Cybersecurity is a pressing concern in today's digital landscape, drawing substantial attention and investments from both private and government sectors. Ransomware attacks have left cybersecurity experts around the world reeling, affecting advanced countries like the US and the UK. Cyber protection is a shared concern for all, necessitating a dual challenge - protecting legacy systems and minimizing losses in the event of a security breach.
Cybersecurity breaches have become an increasingly predictable aspect of every business. Year after year, numerous companies incur losses amounting to hundreds of billions, exceeding the funds spent on hurricane recovery. When sensitive information such as social security numbers and other critical data is pilfered and breaches digital systems, the damage to a company's reputation can be catastrophic, with potential legal liabilities further jeopardizing its operations. Cybersecurity Insurance is a reliable solution to mitigate such risks, making it a prudent choice for your business's growth.
Cryptocurrency security is paramount in the world of digital finance. While cryptocurrency is an encrypted digital currency distributed on the blockchain, crypto security concerns cannot be overlooked. There are two critical components in cryptocurrency usage that you must prioritize: the security of your access credentials and the devices you use to access your cryptocurrency wallet. Ensuring cryptocurrency security is a shared responsibility between you and your chosen security service provider. IronClad Family, among others, offers encrypted e-vaults that provide a 100% secure solution for cryptocurrency security.
Unveiling the Future of Cybersecurity: Trends, Challenges, and Impacts
Our daily lives, national security, and economic well-being are intrinsically linked to the safety, resilience, and stability of cyberspace. Cybersecurity, with its complex infrastructure, faces significant risks originating from both cyber and physical threats. Nation-states and cyber actors exploit these vulnerabilities, engaging in activities that range from stealing money and information to developing capabilities for disrupting critical services.
Understanding Cybersecurity Insurance: Key Considerations
In the age of rapid digitization and rising malware threats, the cybersecurity industry is more...
When there is an emergency or a catastrophe, your first concern is the immediate safety of your family and pets. Your second concern, once you are sure that your family and pets are safe, often revolves around finances. Financial security is necessary to ensure that you and your family can continue your lives in the same or nearly the same fashion as before the event. Thus, securing your financial assets is one of the initial precautions to address. Here is a quick list of things you should consider now so that you are prepared if the unexpected happens.
Cyber extortion goes beyond monetary demands, with various threat actors using different methods. This standoff persists until you pay the hacker, with tactics including:
Cybersecurity is often hyped today without a clear understanding of how to protect one's digital assets. Recent incidents, such as the Equifax disaster, have prompted industry experts to rethink their cybersecurity strategies. Cybersecurity insurance has become a new tool in the fight against cybercrimes, primarily intended for business owners seeking to protect their online digital assets. This insurance provides comprehensive protection to customers of individual businesses worldwide.
With the growing number of malware attacks, cybersecurity awareness and prevention are top priorities in every country around the world. However, developed...
To begin here with the right mindset, it is important to know why legacy is important. Legacy by definition connotes something inherited or received by a will. To illustrate this further, a legacy doesn’t necessarily mean something only in cash or kind such as the property. Your legacy indeed is full of assets that may not have market value, but they surely mean a lot to you as an individual. Family photographs, audio/video clips of some memorable events of the past alongside your family medical history, for instance, are simply priceless to you. All those put together implies that you must protect your legacy in the first place.
It is unfortunate but true that despite utilizing the latest encryption technology, companies worldwide often fail to protect their clients' online privacy. Therefore, the primary concern should be safeguarding the interests of clients, also known as customers. The good news is that IronClad Family is leading the way with its timely launch of the 'Data Protection Insurance Plan.' With an online safe deposit box collaboration platform, IronClad Family has established a robust mechanism for protecting the privacy and legacy of its customers.
The shortage of quality manpower in cybersecurity has become a serious concern for businesses worldwide. According to a recent report from ISSA (Information Systems Security Association), a not-for-profit international organization for information security practitioners and professionals, the shortage in this field is acute. The report also offers recommendations for effectively addressing the shortage and protecting digital assets globally. However, another report states that 77% of the chief information officers in the UK have expressed caution about a precarious situation regarding this shortage over the next five years, beginning in July 2016. They also predict a high rate of employment growth in this sector during this period.
The world has awoken to renewed cyber threats in recent years. A look at the escalating number of cyber attacks makes the underlying truth abundantly clear....
The world is abuzz with discussions about the potential benefits of artificial intelligence. In simple terms, artificial intelligence is a computer-aided program...
Many people often confuse the terms "safe deposit box" and "safety deposit box," even though both serve the same purpose of safeguarding valuables. A safety...
With the increasing prevalence of IoT (Internet of Things) worldwide, online security is a growing concern. Traditional online security systems often prove inadequate, especially in the face of evolving threats like the recent ransomware attacks in the US and Europe. These incidents underscore the need for enhanced security measures and serve as a wake-up call for individuals.
In an era of extensive digitization, the importance of data protection has risen to the forefront, driven by the escalating threat of data theft and malware attacks. Various types of data demand safeguarding, ranging from personal information like names, addresses, debit/credit card details, bank information, emails, and telephone numbers, to sensitive health records. Furthermore, the need for safeguarding digital assets has grown exponentially.
Digital assets may mean all those tangible and intangible assets the value of which may not necessarily be accounted for money. Having said that, we mean, digital assets fairly include stuff that does not carry any tangible value other than sentiments and awareness. For instance, the portfolio of your digital assets may include the family medical history, details about the trusts and estate planning, family photographs and audio/video clips, legal documents, and financial documents to name a few. Therefore, the scope of work here is huge.
The winds of change have come forward with the internet revolution across the globe. As a matter of fact, channels of connectivity have taken refuge in the virtual space. So has the need for every documentation, be it with the federal government or in the private sector. Having said that, it means the need for cybersecurity has evolved significantly to meet the needs of both individuals and industries. For instance, consider the banking sector or the submission of tax returns to the federal government; digitization has made a solid impact. The recent ransomware attacks in major parts of the world and the resulting damages are glaring examples.
In today's fast-paced world of digitization and widespread internet use, legacy protection has gained paramount importance. Legacy doesn't solely encompass valuable financial documents; it can also include your identity, family history, memoirs, and Financial Protection. These elements become invaluable to your descendants when you are no longer present. There are considerable efforts underway to safeguard your privacy in the modern age, and one such endeavor is Customer Authentication under PSD2.
In today's world, life without the internet and mobile phones is inconceivable. People feel an increasing need to stay connected around the clock, driven by personal and business interests. Digitization has become an integral part of everyday life, accelerated by the internet revolution. However, the prevalence of online data theft has heightened the demand for digital security.
Regardless of one's financial condition, every person has a legacy to leave for their children. Your legacy doesn't just mean your wealth but also invaluable items...
To begin with, it's imperative to understand why safeguarding your family legacy is crucial. Knowledge empowers you, making it essential to grasp some key facts about the legacy of individuals in the United States, one of the world's most advanced countries.
Lately, you may have been seeking a solution to safeguard the legacy of your loved ones. You are not alone in this quest to protect against the menace of online data theft, which could jeopardize your inheritance. An estimated 45% of US citizens are exposed to the risk of data and identity theft.
Hello SPARCSdoesSECURITY Participant,
Don’t feel bad, as we all fall for these kinds of attacks every day, and one of the ways to fight phishing is with security training. You did the right thing by signing up for the SPARC training this coming Saturday. Kudos to you!
A living trust, also known as a revocable trust, is a type of trust in which an individual places assets during his lifetime, which then transfers to any number of designated beneficiaries after the individual’s death.
What Are Digital Assets?
Protecting Digital Assets – Part III
In the first part of this series, we discussed what digital assets are and established their inherent value. Now, let's delve into how we determine their value and why it's crucial to assess their worth.
Some digital assets possess intrinsic value simply by existing, while others, like personal photographs, hold emotional value. Utilizing digital family vaults and digital vaults can be instrumental in protecting these assets.
