Many families discover only after a loved one dies that a significant portion of their finances existed entirely online. That can include bank accounts, brokerage accounts, retirement plans, cryptocurrency, payment apps, and rewards programs. If nobody knows the passwords or recovery methods, recovering those assets can become a stressful and expensive process. The good news is that inaccessible does not always mean lost, but the outcome depends on what type of account is involved and how well the deceased planned ahead.
