The File Every Family Wishes Existed

Many people assume that once they have a will or trust, their family will be “taken care of.” In reality, those documents often answer only part of the story.

What families struggle with most isn’t the legal language - it’s the logistics. They don’t know where accounts are held, how to access digital records, or what their loved one wanted beyond what the documents say. Important details are scattered across emails, portals, and paper files. In the middle of grief, that search becomes overwhelming.

That’s where a “When I Die” file comes in.

Why Legal Documents Aren’t the Whole Story

The idea, shared in *A Beginner’s Guide to the End* by Shoshana Berger and BJ Miller, is simple: create one clear, findable place that holds the information your loved ones would need if something happened to you. It can be a binder, a folder, or a secure digital file. What matters is not the format, but the clarity.

Berger writes about spending nearly two years reconstructing her father’s financial life after his death, even though his legal documents were easy to find. That experience is surprisingly common. Modern lives are complicated, and without guidance, even organized families are left guessing.

What This File Actually Does

A “When I Die” file doesn’t replace your estate plan. It supports it. It connects your legal documents to real life. It helps your family know what exists, where it is, and what matters.

It also acknowledges something many plans overlook: your digital life. Photos, emails, online accounts, subscriptions, and investment portals are now part of your legacy. Without access, those pieces can be lost.



This file doesn’t have to be perfect. It only has to exist. Each step you take makes things easier for the people you love.

Take The Next Step

If you are ready to get a will or trust in place, we can help! Start by booking a Peace of Mind Planning Session. We will answer your questions, go over your options, and discuss our unique flat-fee pricing. Mention this article and we’ll waive the $295 session fee! BOOK HERE