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Protecting Your Digital Assets: Navigating the Unexpected with RUFDAA

Updated: Mar 13

In an era where digital assets form a significant portion of our personal and professional lives, managing these assets in times of incapacity or after death has become a pressing concern. This article delves into strategies for safeguarding your digital legacy, with a particular focus on understanding and leveraging the Revised Uniform Fiduciary Access to Digital Assets Act (RUFDAA).

1. Understanding Digital Assets

Digital assets encompass a wide range of online accounts and digital files, including:

  • Social media and email accounts.

  • Digital currencies, online banking, and trading accounts.

  • Cloud storage containing personal documents, photos, and videos.

  • Online businesses and intellectual properties.

2. The Role of RUFDAA

RUFDAA, adopted by most U.S. states, allows fiduciaries (like executors or attorneys-in-fact) legal authority to manage digital assets. It emphasizes:

  • The importance of explicit consent for fiduciaries to access digital assets.

  • Balancing privacy concerns with fiduciary duties.

  • The need for clear guidelines in estate planning documents.

3. Legal Considerations

Understanding your local laws and how they interact with RUFDAA is essential. Consider:

Drafting a digital will.

  • Appointing a digital executor.

  • Including specific instructions for digital asset management.

4. Creating a Digital Inventory

List all digital assets, including:

  • Account details.

  • Digital property locations.

  • Desired actions for each asset (e.g., deletion, transfer).

5. Secure Storage Solutions

Safeguarding your digital inventory involves:

  • Using encrypted password managers.

  • Opting for secure and privacy-focused cloud services.

6. Regular Updates and Communication

Keep your digital estate plan current and communicate with:

  • Designated fiduciaries about their role and your wishes.

  • Loved ones to prepare them for the management of your digital legacy.

7. Professional Assistance

  • Consulting legal professionals familiar with digital estate planning and RUFDAA can provide customized guidance and ensure compliance with current laws.


Securing your digital assets for unforeseen circumstances is a critical aspect of modern estate planning. By understanding and utilizing laws like RUFDAA, creating a comprehensive digital inventory, and engaging in open communication with loved ones and professionals, you can ensure that your digital legacy is preserved and handled according to your wishes.

This article benefited from the support of OpenAI's ChatGPT, which provided valuable insights during its conception. Responsibility for the final content and opinions expressed remains solely with the author.

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