# The Financial Accounts Module

The FIRM Guide (thefirmguide.com) — companion to The Recoverable Family.
Fill this in privately (any text editor or by hand), then store it in your Vault.


## Secure Guide Starter Template — Financial Accounts

> This template belongs in The Secure Guide, stored within The Vault. It contains account identifiers and access details that should not be shared broadly.

You cannot protect what you cannot find — this record is the map: every account where money lives, the advisors who know the picture, and what the family owes, at a macro level. Completeness beats detail on the first pass. The account most likely to be lost is the one you rarely think about — the old Roth, the account at the bank you left years ago — so list everything first and fill in numbers later. Billions in bank deposits sit unclaimed for exactly this reason.

A request to move money can now arrive sounding exactly like a spouse, an adult child, or the advisor — correct account names, correct recent activity. So the discipline rides with the record: any request to transfer funds, change contact details, or add an authorized user is confirmed through a channel the family initiates — call back on the number recorded here, never the one the request supplies. Recovery and claims paths ("I'm locked out," "the account holder has died") are where accounts are actually lost — hardening each account's recovery options is part of documenting it. And fragmentation is the vulnerability this inventory fixes: when no one sees the whole picture, an unauthorized change on one account goes unnoticed. The completed map plus the review rhythm is the detection mechanism.

### Bank Accounts

- Institution Name: 

- Account Type: 

- Account Number: 

- Account Holder(s): 

- Online Access / Login Location: 

- Notes: 

> Repeat for each account.

### Investment and Retirement Accounts

- Institution / Platform Name: 

- Account Type: 

- Account Number: 

- Account Holder(s): 

- Employer Sponsored?: 

- Beneficiary Designated?: 

- Online Access / Login Location: 

- Notes: 

> Repeat for each account.

### Financial Advisors and Professional Contacts

- Name: 

- Role: 

- Firm: 

- Phone: 

- Email: 

- Accounts or Services They Manage: 

- Notes: 

> Repeat for each advisor.

### Liabilities Summary

- Creditor / Institution: 

- Debt Type: 

- Approximate Balance: 

- Secured By (Asset, if applicable): 

- Account Number: 

- Notes: 

> Record what you owe at a macro level. For payment schedules and monthly cash flow, see the Budget Module. Repeat for each significant liability.

- Tags: 


## Family Guide Starter Template — Financial Accounts

> This template belongs in The Family Guide. It provides orientation — what exists and who to contact — without exposing account numbers or credentials.

> In the matching Secure Guide section: full account map — accounts, advisors, liabilities, beneficiary flags.
>
> That detail is what makes recovery possible — and it is protected in the Vault, which opens with The Vault Key. The key is never written here, by design. The people listed on this page know how it is kept, and the steward's job is to keep that path current, so this page never leads to a locked door.

> Account numbers and login credentials are not included here — those are documented in The Secure Guide and The Vault.

### Bank Accounts
| Institution | Account Type | Account Holder(s) | Notes |
| --- | --- | --- | --- |
|   |   |   |   |
|   |   |   |   |
|   |   |   |   |

### Investment and Retirement Accounts
| Institution | Account Type | Account Holder(s) | Notes |
| --- | --- | --- | --- |
|   |   |   |   |
|   |   |   |   |
|   |   |   |   |

### Financial Advisors and Key Contacts — contact these first to understand or access our financial accounts
| Name | Role | Phone | Email |
| --- | --- | --- | --- |
|   |   |   |   |
|   |   |   |   |
|   |   |   |   |

### Liabilities at a Glance
| Creditor | Debt Type | Secured By | Notes |
| --- | --- | --- | --- |
|   |   |   |   |
|   |   |   |   |
|   |   |   |   |

> Account numbers, login credentials, and detailed financial documentation are stored in The Secure Guide, located in The Vault. For cryptocurrency and digital assets, see the Digital Financial Assets Module. For real estate, precious metals, and other physical or private assets, see the Other Assets Module. For monthly payment schedules and household cash flow, see the Budget Module.

> The advisor list above is the family's known-good callback sheet: any request to move money, change contact details, or add an authorized user — however familiar the voice — gets confirmed by calling back on a number on THIS page, never the number or link the request supplies.

### Additional Guidance