STEADCALM — Safeguarding Your Wishes

Guide

Digital estate planning checklist

The 27 things your executor, attorney and family will look for — organised the way an Australian estate is actually settled. Work top to bottom; every item you tick is one fewer decision left to someone else on their worst day.

An open estate-planning workbook with a pen, a cup of tea and native eucalyptus on a warm linen desk
Six categories. Twenty-eight items. One afternoon.

1. Identity & core documents

The paperwork your family will be asked for in the first 48 hours.

  • Certified copy of your will

    Original held with your solicitor; scanned copy in the vault.

  • Enduring power of attorney (financial)

    State-specific form, signed and witnessed.

  • Enduring guardianship / medical directive

    Advance care plan and appointed decision-maker.

  • Birth, marriage and citizenship certificates

    Executor will need these for probate and super claims.

  • Passport, driver licence, Medicare card

    Numbers and expiry dates, not just scans.

2. Superannuation & BDBN

The single biggest asset most Australians never document properly. Lapsed BDBNs are the #1 cause of contested super death benefits.

  • Every super fund you hold

    Including lost super — check MyGov / ATO.

  • USI and member number for each fund

    Required to lodge a death benefit claim.

  • BDBN status for each fund

    Binding vs non-binding, lapsing vs non-lapsing, expiry date.

  • Reversionary pension nominations

    Separate mechanism to BDBN — often forgotten.

  • Insurance held inside super

    TPD, life and income protection sums insured.

3. Financial accounts

Bank, broker, crypto, buy-now-pay-later. If it has a balance or a debt, list it.

  • Bank accounts and BSBs

    Everyday, offset, joint and any dormant accounts.

  • Home loan and other liabilities

    Lender, account number, current balance, redraw.

  • Share and ETF holdings

    HIN or SRN — not just the broker login.

  • Crypto wallets and exchanges

    Seed phrase location, exchange 2FA recovery.

  • Recurring subscriptions and direct debits

    So your executor can cancel or continue them.

4. Property & insurance

Everything with a title, a premium or a renewal date.

  • Property titles and mortgage docs

    Certificate of title reference and lender contact.

  • Home, contents and landlord insurance

    Policy number, insurer, renewal date.

  • Vehicle registration and insurance

    Rego expiry, CTP provider, comprehensive policy.

  • Life insurance held outside super

    Standalone policies your fund doesn't know about.

5. Digital life & access

The accounts your family can't reset with a phone call.

  • Password manager master credential

    How to reach it in the vault — not the password itself in plain text.

  • Email and Apple / Google account recovery

    Legacy contact set up on iCloud and Google.

  • Two-factor authentication device

    Where your authenticator app or hardware key lives.

  • Social media memorialisation wishes

    Facebook, Instagram, LinkedIn — delete or memorialise.

6. People

The humans who make it work when you can't answer the phone.

  • Executor and backup executor

    Named in your will, briefed on where to start.

  • Enduring attorney and guardian

    Contact details on file with the vault.

  • Nominated contacts inside STEADCALM

    View-only, verified-event, and emergency-unlock roles.

  • Solicitor, accountant, financial adviser

    Firm, contact and what they hold on your behalf.

Next

Turn the checklist into a working vault

STEADCALM stores each of these in an encrypted vault and shares only what a nominated person is entitled to see — automatically, in the moment it's needed.

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