Digital Estate & "Cyber-Legacy" Planning: What Federal Retirees Must Do Before It's Too Late
🔐 Warrior Retirement · Estate Planning 2026 Digital Estate & "Cyber-Legacy" Planning The average American now has 90+ online accounts at death. Without a cyber-legacy plan, your family spends months navigating passwords, losing assets, and fighting platforms that won't recognize them. 📅 April 2026 ⏱ 7 min read 🛡 Warrior Retirement ⚡ Quick Answer A cyber-legacy plan documents every digital account, password, subscription, and online asset your heirs need to access after your death. For federal retirees, this includes your OPM Services Online account, TSP.gov login, SSA.gov account, FEHB online enrollment, and any financial brokerage or crypto holdings . Without this, accounts get frozen, subscriptions drain your estate for months, and cryptocurrency can be permanently lost. Build your cyber-legacy vault now — it takes 2–3 hours and protects everything you've built. 90+ Avg online accounts per American adult at death $...