Imagine this: You lose a loved one and their phone, full of irreplaceable photos, is locked forever. That happened to one family last year, and Apple wouldn’t help them. Why? No legacy contact was set. Their memories gone.

Hi, I’m Hunter Brockway, founder of Boca Retirement Strategies, here to guide you to a successful, stress-free retirement while spending more and avoiding being killed in taxes.

You may have an estate plan for your house, your investments, but what about your digital life? Photos, passwords, crypto, cloud accounts—they’re part of your legacy, too. If your heirs can’t unlock your accounts, the stories and the money can vanish in seconds.

Let’s talk about Apple Legacy Contacts. On iPhone or Mac, you can go to your Settings, go to Password and Security, and Add a Legacy Contact. Apple gives you a special key to store with your will. Without it, no access, period.

Google has an Active Account Manager. Google watches for inactivity. You set the timer: three, six, or twelve months. If you don’t respond, Google alerts your chosen contacts or deletes your data.

You can utilize password managers or print them, seal it, and store it with your estate plan. Don’t rely on memory or a spreadsheet that no one can find.

Consider backing up photos. Copy cherished pictures to a shared cloud album or external drive. Don’t make your family guess.

Consider your crypto and seed phrases. Write the 24-word recovery phrase by hand. Label the envelope clearly for the executive owner. Store it somewhere safe, like with your will or your end-of-life files. Never text it or email it to anyone.

40-plus states have adopted RUFATA. It means the planning setting, like a legacy contact, overrules your will if there’s a conflict. So it’s critical to get the tech setup and legal docs in sync.

This video got you thinking about your own retirement planning. I’d like to offer you something to help you see the bigger picture. We’ve created a tax-smart, comprehensive retirement workbook for pre-retirees and retirees. If there’s one thing I’ve noticed in my years of working with individuals, it’s that there’s always at least one aspect in the planning process where they say, “Hmm, I haven’t thought about that before.” No matter how smart they are, how much they’ve saved, something comes up, whether it be they realize they can spend more than they thought they could, they realize their tax bill is going to be high in retirement, or they are going to leave money on the table with their current Social Security claiming strategy.

This workbook is designed to help you walk through the most critical areas of retirement planning with action steps, false beliefs, and areas for you to input your own reflection items. You can download the workbook by going to the link below in the description. If you have any issues with that link, send us an email at contact@bocaretirement.com.

If you get through this workbook and you’d like your responses reviewed or have any questions, I’m happy to have that conversation with you, too. As always, this is no cost, no obligation, and no pressure. Best of luck.

Here’s your one-month challenge:

• Week one: Set your Apple or Google legacy tool.
• Week two: Print and store your password manager emergency kit.
• Week three: Back up irreplaceable photos.
• Week four: Secure your crypto access and update your estate planner.

Each step takes about 15 minutes or less and gives your family a priceless gift: peace of mind. Nobody wants their legacy to be “Mom left us a shoebox of locked gadgets.”

If you have questions or want to roll this into a full estate strategy, send your questions into contact@bocaretirement.com. I’m Hunter Brockway, founder of Boca Retirement Strategies. Thank you for watching.