For most of your clients, Valentine’s Day is about dinner reservations, flowers, and perhaps a weekend getaway. But as their trusted advisor, you have the unique opportunity to offer them a gift that lasts far longer than a bouquet: Peace of mind.
This Valentine’s Day, we encourage you to share the concept of the “Legacy Love Note” with your clients. This is a non-legal, highly practical letter added to their Wealth.com Vault that guides a surviving spouse through the digital and logistical maze of modern life.
Here is how to craft the perfect “I Love You” note.
Why This Resonates Now
Surviving spouses often report that the hardest part of widowhood isn’t just the big legal questions, but the small, digital frustrations: What’s the Netflix password? How do I access the crypto wallet? Who do I call to fix the Wi-Fi?
By encouraging your clients to upload an “I Love You” note to their Vault, you are helping them:
- Bridge the Digital Gap: Solving access issues for digital assets and 2FA (Two-Factor Authentication).
- Humanize the Vault: Turning the Vault from a “document dump” into a family heirloom.
- Engage the Spousal Beneficiary: Bringing the less-involved spouse into the planning conversation in a non-threatening way.
The Template: What Your Clients Should Write
Below is a template you can share with your clients. It is written in a conversational, authentic voice. It covers the technical realities of modern assets (like 1Password, Crypto, and Github) while maintaining a caring tone.
You can copy/paste this template to share with your clients:
💌 The “I Love You” Note Template
Draft this in a document, customize it for your family, and upload it to your Wealth.com Vault alongside your Will.
To My Dearest,
This is a note to help you through when/if I should die. I store it in our Vault so you can see this at any time, and I try to keep it updated. I’m writing this so you know exactly how to get into all the digital accounts and personas we have.
- The Keys to the Castle The PIN to my phone is [……]
- Technical Help: For some of these instructions, they might be a bit technical. For technical help, I would trust Joe Name or Suzie Name; their contact info is in my phone. I trust them to help you get these things where you can access them.
- Passwords & Security
- 1Password: My Master Password is [……] You may need to use this to access my email.
- Two-Factor Authentication (2FA): I have 2FA turned on, so you will need to use the Google Authenticator App on my phone to log into some sites. If something were to happen to my phone as well, the restore/backup codes for the Authenticator App are in 1Password.
- Financial & Crypto Specifics
- You do not need to stress about trading stocks, closing positions, or finding crypto keys. I have coordinated everything with our financial advisor, [Insert name and contact]. They have the full picture and access to the necessary details. Please contact them immediately. They are aware of our estate plan and are ready to guide you.
- Social Media & Online Presence
- You decide what happens to my online profiles. You may choose to delete them, memorialize them, or leave them unchanged. [Insert platform specific instructions].
Beyond the Note: The “Love Letter” Checklist
While the note covers the instructions, remind your clients to include any relevant documents and their locations that support that note. Here is a quick checklist you can provide to clients:
1) ID & Health Essentials
- Passport & Driver’s license
- Health insurance card
- Medical + dental records
- Birth & marriage certificates
2) Financial & Legal Access
- Business documents
- Life insurance policies
- Will & power of attorney
- Bank & investment accounts
- Property deeds + vehicle titles
- Health care directive/living will
3) Digital Access
- 2FA & recovery keys
- Passwords & device logins
- Contact info for beneficiaries
- A guide for bank apps, crypto, etc.
4) Final Wishes
- Funeral instructions
- Personal letters/voice notes
- Trusted contacts for key tasks
- Notes on handling key accounts
Your Action Step for Valentine’s Day
This week, send a brief email to your clients. Don’t ask for a meeting, just offer value.
Subject: A Different Kind of Valentine’s Gift
“Hi [Client Name],
With Valentine’s Day coming up, I wanted to share a thoughtful idea that goes beyond the usual gift. Consider writing a ‘Legacy Love Note’ for [Spouse Name] and uploading it to your Wealth.com Vault.
It’s a simple letter that explains how to unlock your phone, access the Wi-Fi, or handle social media if you aren’t there. It’s the ultimate peace of mind.
I have a template for this; let me know if you’d like me to send it over.”
As an advisor, sharing this exercise positions you not just as a planner of assets, but as a steward of legacy. If you are looking for a meaningful Valentine’s touchpoint with clients this year, this is one they will not forget.
