Es fundamental evaluar el valor de los registros y bienes digitales y asegurarse de que se integren a sus planes de sucesión.
Cómo gestionar su legado digital
¿Qué es un "activo digital"?
Los activos digitales incluyen cualquier cuenta o servicio en línea protegido por un sistema de seguridad de acceso como la identificación y la contraseña.
La pregunta es: si algo le sucediera, ¿quién sabría de esta cuenta? ¿Cómo accederían sus beneficiarios a los fondos depositados en ella?
Aquí le ofrecemos cuatro sencillos pasos para limpiar su armario digital y mantenerlo en orden:
Número uno: Haga un inventario
Haga una lista de todos sus activos digitales mencionados anteriormente y cualquier otro que se le ocurra.
Deje que al menos una persona de confianza sepa cómo acceder a su inventario.
En el caso de las cuentas financieras, revise cada una por su título y asegúrese de que cuente con beneficiarios
Número dos: Nombre a una persona de contacto de su confianza
Considere la posibilidad de nombrar a una persona de contacto de su confianza para cada una de sus cuentas financieras en línea.
Número tres: Asegúrese de que sus documentos legales incluyan el tema de sus activos digitales y den a su albacea el acceso adecuado.
La falta de una planificación legal adecuada de los activos financieros en línea también podría crear responsabilidades en cuanto a los impuestos sobre el patrimonio o la herencia.
Consulte a su abogado sobre el lenguaje que debe incluirse en su testamento o fideicomiso.
Finalmente, paso número cuatro: Planificar siempre
Asegúrese de mantener un registro continuo de su presencia en línea y de estar en contacto con su abogado y su equipo de J.P. Morgan cuando abra nuevas cuentas que puedan afectar no solo su estado financiero actual, sino también el futuro de su familia.
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Texto en la pantalla: Título: Cómo gestionar su legado digital
Narrador: Cómo gestionar su legado digital. ¿Qué es un activo digital? Los activos digitales incluyen cualquier cuenta o servicio en línea protegido por un sistema de seguridad de acceso, como la identificación y la contraseña. La pregunta es, si algo le sucediera, ¿quién sabría de esta cuenta? ¿Cómo accederían sus beneficiaries a los fondos depositados en ella? Aquí le ofrecemos cuatro sencillos pasos para limpiar su armario digital y mantenerlo en orden. Numero uno, haga un inventario. Haga una lista de todos sus activos digitales, mencionados anteriormente, y cualquier otro que se le ocurra. Deje que al menos una persona de confianza sepa cómo acceder a su inventario. En el caso de las cuentas financieras, revise cada uno por su título y asegúrese de que cuente con beneficiarios. Número dos, nombre una persona de contacto de su confianza. Considere la posibilidad de nombrar a una persona de contacto de su confianza para cada una de sus cuentas financieras en línea. Número tres, asegúrese de que sus documentos legales incluyan el tema de sus activos digitales y den a su albacea el acceso adecuado. La falta de una planificación legal adecuada de los activos financieros en línea también podría crear responsabilidades en cuanto a los impuestos sobre el patrimonio o la herencia. Consulte a su abogado sobre el lenguaje que debe incluirse en su testamento o fideicomiso. Finalmente, paso número cuatro, planifique siempre. Asegúrese de mantener un registro contínuo de su presencia en línea y de estar en contacto con su abogado y su equipo de J.P.Morgan cuando abra nuevas cuentas que puedan afectar no solo su estado financiero actual sino también el futuro de su familia.
Texto en la pantalla:
4 sencillos pasos:
- 1. Haga un inventario;
- 2. Nombre a una persona de contacto de su confianza;
- 3. Asegúrese de que sus documentos legales incluyan sus activos digitales;
- (y) Planifique siempre.
Divulgaciones legales:
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Por Sarah Z. Collins
Hoy en día vivimos una gran parte de nuestras vidas online. En el mundo digital, la gente se reúne, compra, interactúa, realiza transacciones bancarias y ahorra. Muchos de nosotros confiamos los recuerdos visuales y escritos de nuestras vidas a la memoria de nuestras computadoras.
Es importante ver toda esta rica huella digital como parte de nuestro legado e integrarla en nuestros planes de sucesión. Especialmente ahora, con la perspectiva y el tiempo que se ha ganado durante la crisis de COVID-19, tenemos la oportunidad perfecta para evaluar el valor de nuestros registros y activos digitales, y el potencial de pérdida financiera o sentimental si no se lograra tener acceso a estos activos digitales.
¿Qué es un "activo digital"?
Los activos digitales incluyen cualquier cuenta o servicio online protegido por un sistema de seguridad de acceso como identificación y contraseña. Esto incluye servicios y herramientas que usted podría estar utilizando todos los días, como el teléfono y la computadora, el correo electrónico, las redes sociales, fotos y videos, listas de reproducción musical y varias suscripciones.
Pero también hay otros activos en los que usted podría no pensar hasta que los necesite, como registros médicos, archivos almacenados en "cuentas en la nube", cualquier dominio web que posea y sistemas de pago en línea como PayPal, Venmo y QuickPay. Las cuentas financieras online son, por supuesto, activos digitales.
¿Este escenario le suena familiar? Hace algún tiempo, usted vio un anuncio de una cuenta de ahorros de alto rendimiento online que ofrecía un bono de inscripción. Su cuenta de ahorros pagaba muy pocos intereses, así que abrió la nueva cuenta online y transfirió el dinero de la antigua. Solo podía tener acceso a los estados de cuenta y las transacciones de la nueva cuenta digital por internet. Olvidarla fue fácil. Es posible que ni siquiera se lo haya mencionado a algún miembro de su familia.
La pregunta es: si algo le sucediera a usted, ¿quién sabría de esta cuenta? ¿Cómo accederían sus beneficiarios a los fondos depositados en ésta?
¿Qué debería hacer? Aquí le ofrecemos cuatro sencillos pasos para limpiar su armario digital y mantenerlo en orden:
1) Hacer un inventario
Haga una lista de todos sus activos digitales mencionados anteriormente y cualquier otro que se le ocurra. En un lugar seguro, mantenga un registro de los nombres de cada cuenta, la ubicación digital y la información necesaria para acceder a éstos, como los nombres de usuario y contraseñas.
Deje que al menos una persona de confianza sepa cómo acceder a su inventario. Podría ser su contador, abogado o su cónyuge. Una forma efectiva de proporcionar acceso y mantener sus cuentas organizadas es usando y compartiendo un administrador de contraseñas online de buena reputación que utilice la encriptación y almacene todas sus contraseñas en un solo lugar.
En el caso de las cuentas financieras, revise cada una por su título y asegúrese de que cuente con beneficiarios. La mayoría de las cuentas digitales, al igual que las cuentas financieras tradicionales, le permiten nombrar a uno o más beneficiarios. Las cuentas conjuntas suelen pasar automáticamente al superviviente según la ley local.
Dos designaciones de cuenta útiles que se pueden aplicar son "Transferencia por fallecimiento" (TOD, por sus siglas en inglés) y "Pagadera por muerte" (POD, por sus siglas en inglés). Estos términos pueden facilitar la transición de los activos y ahorrarle inconvenientes y costos innecesarios a sus beneficiarios. En lugar de utilizar una designación de cuenta, también podría discutir con su abogado si desea poner la cuenta digital a nombre de su fideicomiso o de su sociedad de cartera personal.
Para cualquier cuenta en línea fuera de su país de origen, es especialmente importante tener en cuenta las leyes locales de su país y cualquier posible conflicto de leyes. Saber cómo se deben titular las cuentas y qué puede ocurrir con sus activos cuando ya no pueda gestionarlos es un tema importante que debe discutir con su asesor fiscal o su abogado.
2) Nombrar a una persona de contacto de su confianza
Considere la posibilidad de nombrar a una persona de contacto de su confianza para cada una de sus cuentas financieras online. La mayoría de estas cuentas financieras online le permiten nombrar a una persona de contacto de confianza (TCP, por sus siglas en inglés), alguien a quien usted autoriza a su banco o firma de corretaje a contactar si creen que su cuenta puede estar expuesta a una posible explotación financiera o fraude, o si no pueden ponerse en contacto con usted. Nombrar a una TCP cuando configura o revisa sus cuentas puede ayudar a proteger sus activos digitales en el futuro.
3) Asegurarse de que sus documentos legales incluyan sus activos digitales y den a su albacea el acceso adecuado.
Si no da cuenta de sus activos digitales en su plan de sucesión, es posible que a sus herederos no se les conceda acceso o que tengan que incurrir en inconvenientes y gastos para obtenerlo.
La falta de una planificación legal adecuada de los activos financieros online también podría crear responsabilidades en cuanto a los impuestos sobre el patrimonio o la herencia. Las cuentas financieras online pueden generar ingresos o pérdidas que deben ser incorporadas a su plan general de patrimonio.
Consulte a su abogado sobre el lenguaje que debe incluirse en su testamento o fideicomiso.
4) Planificar siempre
En la era digital, estamos constantemente creando nuevas cuentas y cambiando las contraseñas de las existentes.
Asegúrese de mantener un registro continuo de su presencia online y de estar en contacto con su abogado y su equipo de J.P. Morgan cuando abra nuevas cuentas que puedan afectar no solo su estado financiero actual, sino también el futuro de su familia.