Free practical resource
Family Financial Continuity Checklist
Use this checklist to identify what your spouse or family can already find, what still depends on one person, and what needs a clearer instruction.
1. What we own
A current list of bank and investment accounts
Pensions and retirement arrangements
Properties, ownership structures, and mortgages
Business interests and shareholdings
Significant liabilities and guarantees
2. Protection
Life, disability, health, and illness policies
Beneficiaries checked and current
Cover amounts reviewed against family needs
Claims contacts and policy numbers recorded
3. Legal documents
Current wills in every relevant jurisdiction
Powers of attorney
Trust, company, and partnership documents
Property deeds and key agreements
4. Access
Spouse or trusted person knows where records are held
Secure access method documented
Important passwords managed securely
Emergency cash and short-term expenses considered
5. People to call
Financial adviser and investment contacts
Accountant and tax adviser
Lawyer and estate contacts
Bank, insurer, property, and business contacts
6. Family instructions
A Letter of Instructions explains what to do first
A Letter of Wishes records values and intentions
Family members know their roles
A family walkthrough or meeting has taken place
Your continuity test
Could the right person find the complete picture within 24 hours, understand who to call, and cover the next three months without relying on you? Any “no” is a useful place to begin.
Turn the checklist into one clear plan.
Cedar Capital can help map the gaps, organise the records, and build a continuity plan your family can follow.
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