Digital Legacy Protection
Most families don't discover the digital gap until it's too late. CAIA closes it before a crisis reveals what wasn't protected.
The Problem
Major banks and tech companies routinely reject standard Power of Attorney documents. Without specific passwords and legal clearance under Florida's FFADAA law, families are completely locked out — even when all the legal paperwork is in order.
Financial institutions lock down accounts the moment they're notified of a death or incapacitation — regardless of what your POA says. Without digital access and the right legal authorisation, the freeze can last months.
Apple, Google, and Meta operate under federal privacy laws that allow them to reject standard POAs. Your heir's legal right to access an account means nothing if the platform won't recognise the document.
If a platform has a legacy tool and the user designated someone before their death, that designation overrides your will and your POA. Most families never know this exists until it's too late.
Medical records, financial accounts, subscription services, photos, and sentimental files — all can be permanently lost if the right access wasn't established while there was still time.
Our Solution
CAIA's Digital Assurance Plan wraps every family in complete protection — legal, digital, and physical.
Military-grade, enterprise encryption stores all passwords, accounts, and digital assets. Only you and your designated heirs hold the master keys. Not even CAIA can see your data. We manage the technology — you own the information.
A Digital Asset Memorandum specifically required under Florida Statute Chapter 740 — giving your heirs the legal authority to access accounts during probate or emergency, in language that banks and tech companies must honour.
A fireproof folder for your home safe containing master keys, emergency contacts, account information, and step-by-step instructions for your heirs. Completely independent of any app, device, or internet connection.
Florida FFADAA
Florida's Fiduciary Access to Digital Assets Act (FFADAA) — Chapter 740 — governs how digital assets can be accessed by fiduciaries. Most estate plans don't address it at all.
Under FFADAA, digital platforms follow a strict three-tier hierarchy. Online tools like Google's Inactive Account Manager or Facebook's Legacy Contact take priority over everything — including your will. Without the right documents and designations in place, your family may find themselves legally blocked despite having every other piece of paperwork in order.
The Digital Asset Memorandum we prepare is specifically designed to work within this framework — giving your heirs the authority they need at every level.
Schedule a Free ConsultationA standard Power of Attorney explicitly grants broad authority over finances, healthcare, and property. But under federal privacy law — specifically the Stored Communications Act — major tech companies can legally refuse to honour it for digital accounts.
The FFADAA Digital Asset Memorandum we prepare is different. It uses specific language required under Florida law that compels compliance — without a court order, without a probate battle, without months of waiting.
CAIA works alongside your existing estate attorney. We complement the legal work they've already done.
Pricing
Complete digital estate protection, managed monthly. Everything your family needs to be fully protected — set up, maintained, and supported by CAIA.
Cancel anytime. No long-term contracts. No hidden fees.
Schedule a Free Consultationper month · cancel anytime
Questions
A notebook works day-to-day, but it doesn't grant legal access to bank accounts or bypass two-factor authentication during an emergency. And a physical notebook can't be accessed remotely by an out-of-state family member in a crisis. We bridge the gap between everyday convenience and legally authorised, secure access when it matters most.
Standard POAs were designed for physical assets. Under the federal Stored Communications Act, major tech companies and many banks are legally permitted to reject them. Florida's FFADAA requires a specific Digital Asset Memorandum — different language, different authority, specifically designed for digital accounts. Most estate plans don't include it.
We use Zero-Knowledge architecture — which means CAIA's system encrypts your data before it ever reaches our servers. We manage the technology and handle the support, but we cannot see, access, or extract your passwords or account information. Only you and your designated heirs hold the decryption keys.
The Digital Assurance Plan is specifically designed for families at a distance. When an account gets locked, a password needs updating, or a suspicious email arrives, your parent calls us — not you. We handle it directly and keep you updated. You get your time back, and they get immediate, patient support from someone local.
Absolutely — and many attorneys in Southwest Florida refer clients to us specifically for this reason. The Digital Asset Memorandum we prepare is designed to integrate seamlessly with existing estate plans under Florida law. We close the digital gap; your attorney handles the legal estate. Together, your family is fully covered.
A free consultation takes 20 minutes and gives your family a clear picture of what's protected — and what isn't yet.
Schedule a Free Consultation