The Important Financial Documents to Organize Right Now

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For various financial accounts, holdings, investments, loans, tax returns, and other arrangements, you should gather account information and relevant contacts. If you’re wondering why it’s worth taking the time to get all this info in one place, just think of the people you love. By organizing your financial and legal documents, if something happens to you, your family can more easily:


Financial accounts
First, you should determine all the types of accounts you have. Start with something as simple as checking and savings accounts, then think about money market funds and CDs, 401(k) or other retirement plans, IRAs (traditional and Roth), any investments, stocks, pensions, annuities, and trusts. If you want to go really deep, also take note of valuable assets (artwork, jewelry, etc.)


After you’ve identified all the accounts you have, gather up the following information for each:


  • Name of the financial institution.
  • Account number.
  • PIN number.
  • Personal contact (if applicable).
  • Location of relevant documentation/statements.
  • Online account login info.
  • Additional details (if applicable).


Tip: The details of each account or asset may vary, so just pointing a person you trust in the right direction − like giving them the name of your financial professional − will be super helpful.


Credit cards

How many of the following cards do you have: Visa | MasterCard | American Express | Discover | Diner’s Club | JCB | Store or gas card | Other


Once you identify all the cards, make note of the following:


  • Variety of card (example: Gold, SkyMiles, Amazon Rewards).
  • Last four digits.
  • Expiration date.
  • Location of statements.
  • Online account login info.

Tax returns

How do you prepare your taxes? (You could answer this question out loud, but that won't really do anything. Except maybe scare the cat. So keep track of it.)


If you use a financial professional/accountant: Share the name and contact info of this professional.


If you do your own taxes using software or an online service, what do you use, and how do you log in to the account?


No matter what: Tell someone you trust where you keep your past tax returns! If something happens to you, these are an ideal financial blueprint for people in your life to understand your estate.


Safe deposit box

Keeping important documents (deed to your house, insurance policies) and valuable items (heirlooms, jewelry) extra safe is smart. Not giving someone access in case something happens to you can turn into a long detour through the courts. This is especially troubling if you kept your will or other important documents your family might need in a safe deposit box.


Solution: Check with the bank where you’re renting a box, and name a designee or whatever they call the person authorized to access it. Now, onto the details to share:


  • Name of the bank.
  • Branch location.
  • Account number.
  • Box number.
  • Key location.
  • Authorized user contact info (if applicable).
  • Additional details and instructions.



Don’t let any loans your family and loved ones are unaware of sneak up on them. Keep track of the following info, and once the loan is paid off, feel free to mark it “PAID” and celebrate.


  • Type of loan: Line of credit | Personal loan | Student loan | Other
  • Financial institution.
  • Account number.
  • Related documents (example: original loan agreement, invoices).

For more information on other types of loans, check out these articles: Mortgages and other home loans | Car or vehicle loans


Do you still receive paper statements in the mail, or have you gone full digital? 


This article is provided by Everplans − a life and legacy planning company dedicated to transforming the way people get their families organized. For more information, visit:


Neither Transamerica nor its agents or representatives may provide tax, investment, or legal advice.  Anyone to whom this material is promoted, marketed, or recommended should consult with and rely on their own independent tax and legal advisors and financial professional regarding their particular situation and the concepts presented herein.