Giving loved ones access to digital assets after death

It's definitely not a pleasant thought, but it is a big reality of our times that you need to plan ahead to protect your social media accounts and things like family photos stored in the cloud after you die.

The first step is taking inventory and setting a time to review on a regular basis. Some experts suggest that this time of year – tax time – is a good time to take inventory.

Another thing to remember is that people often have more accounts than they realize.

Once you have all of your accounts in one place, make a roadmap; that is, a list of all accounts, usernames and passwords.

But don't put any sensitive information in your will.

"If you're writing a will … indicate that a roadmap exists and where to find it, but don't put passwords or usernames in a will. That's a public document," said Rachel Sheedy, of Kiplinger.

Some internet companies, including Google and Facebook, already have built-in features to control data after death.

Also, cryptocurrency like bitcoin can be lost for good if you don't leave instructions on how to access the private key.

Experts suggest using a hardware wallet to secure bitcoin and keeping that with your roadmap document in a safe deposit box.