Create an Inheritance Plan

A good plan begins with an inventory: which wallets and exchanges you use, roughly how much each holds, and where the devices and backups physically are. Keep this list free of actual seed phrases or keys — it's a map that tells a trusted person what exists and where to look, not the keys themselves.

Next, write access instructions clear enough for someone non-technical to follow under stress. Spell out how to find the hardware wallet, what a seed phrase is and where the backup lives, which exchange accounts exist, and the exact steps to recover funds. Assume the reader has never used Bitcoin before.

Then choose who and secure how. Pick at least one trustworthy person (and ideally a backup), and decide on a method from the next guide — sealed instructions, multisig, or a service. The instructions and the keys should usually be stored separately, so that no single person or location is a complete point of failure or theft.

Finally, make it durable. Tell your chosen person that a plan exists and how it will be triggered, store everything where it survives fire, loss, and time, and review the plan whenever you change wallets, move large amounts, or your life circumstances shift. An out-of-date plan can be as harmful as none at all.