A Practical Guide to Digital Asset Planning in Rutherford
Digital asset planning is an essential part of modern estate planning, addressing access to online accounts, cryptocurrency, cloud storage, and social media after incapacity or death. At Jay Johnson Law Firm serving Rutherford and the surrounding Tennessee communities, we help clients create clear instructions and legal tools that allow trusted individuals to manage digital property. Planning ahead reduces confusion for family members and helps preserve value that might otherwise be lost. This page explains practical steps, common issues, and how to include digital assets in a comprehensive estate plan tailored to local laws and platform policies.
Many people assume that online accounts automatically pass to heirs, but platform terms and technical barriers can prevent access without proper planning. Digital asset planning coordinates passwords, access instructions, and legal authority such as wills and powers of attorney to provide a workable pathway for trusted agents. In Rutherford, Tennessee, including digital assets in estate and probate planning helps minimize delays, protect privacy, and ensure important records and accounts are handled according to your wishes. This section outlines why digital asset planning matters and what steps you should consider to protect your online legacy.
Why Digital Asset Planning Matters for Your Family and Estate
Digital asset planning provides clarity and control for accounts that hold financial value, sentimental content, or sensitive personal information. By documenting access instructions and granting appropriate authority, you reduce the risk of locked accounts, lost cryptocurrency, or unintended disclosure of private material. For families in Rutherford, having a plan can speed estate administration and reduce conflict. Thoughtful planning can also designate how social media memorialization should be handled and establish procedures for ongoing account management. Overall, this process protects assets, supports privacy, and helps ensure your intentions are followed when you cannot manage them yourself.
About Jay Johnson Law Firm and Our Approach to Digital Asset Planning
Jay Johnson Law Firm, based in Hendersonville and serving Rutherford and the greater Tennessee area, focuses on practical estate planning and probate matters that reflect modern digital realities. Our team emphasizes clear communication, thorough documentation, and step by step guidance so clients understand how digital assets fit into their broader plans. We work with families to inventory online holdings, draft instructional provisions, and integrate digital asset clauses into wills, powers of attorney, and trust documents. The goal is to leave a durable framework that trusted agents can follow securely and with respect for your privacy and wishes.
Understanding Digital Asset Planning and Its Components
Digital asset planning covers a wide range of property and information, including online banking, investment and retirement account portals, cryptocurrency wallets, email, social media profiles, photo libraries stored in the cloud, domain names, and business digital records. Effective planning begins with an inventory and clear directions for access and disposition. Legal documents should grant authority for agents to access and manage these accounts while addressing privacy and platform-specific rules. In Tennessee, careful drafting helps ensure that account holders and appointed agents can act without unnecessary legal hurdles during administration or probate.
A complete plan often includes a written inventory, instructions for account management, and integration into wills, powers of attorney, or trusts to provide legal authority. Because platform policies vary, it is important to consider service agreements and privacy settings when drafting instructions. For items like cryptocurrency, attention to private keys and storage methods is essential. The planning process also considers who will handle memorialization of social profiles, deletion requests, and ongoing digital account maintenance to protect both assets and privacy for family members during a difficult time.
Defining Digital Assets and How They Are Managed
Digital assets include any online property or data that has value or personal importance, such as financial accounts, digital currencies, cloud files, email, photos, and online businesses. Management of these assets requires both technical access and legal authority. Documentation should specify where credentials are stored, who may access accounts, and how assets should be transferred or closed. Because some platforms restrict access to account holders only, it is important to combine practical instructions with legal documents that give appointed agents permission to act. Clear definitions in your planning documents reduce ambiguity and preserve the intentions you set for your digital legacy.
Key Elements and Practical Steps in Digital Asset Planning
Successful digital asset planning follows several core steps, starting with a thorough inventory of accounts, passwords, and storage locations. Next, decisions are made about who will access and manage each asset and how sensitive data will be protected. Legal documents such as wills and powers of attorney are updated to reflect digital authority, and secure methods for sharing credentials are established. Finally, instructions for account disposition, memorialization, or deletion are recorded. Regular review and updates are recommended as account types and platform policies evolve, ensuring the plan remains accurate and usable when needed.
Key Terms and Glossary for Digital Asset Planning
Understanding common terms helps you make informed decisions when planning for digital assets. This glossary covers basic concepts such as digital executor roles, access credentials, private keys for cryptocurrency, memorialization policies, and platform terms of service. Recognizing these terms will make discussions with your legal advisor more productive and help you create a plan that aligns with your priorities. Clear definitions also assist family members and appointed agents in carrying out your instructions efficiently and in compliance with platform requirements and applicable Tennessee law.
Digital Executor or Digital Agent
A digital executor or digital agent is a person appointed to carry out instructions regarding online accounts and digital property on behalf of the account owner. Their responsibilities may include accessing accounts, transferring digital assets, closing profiles, or retrieving stored information like photos and documents. The role requires both clear legal authority provided in estate planning documents and practical instructions about passwords, recovery methods, and platform-specific procedures. Choosing someone trustworthy and technologically capable helps ensure your digital affairs are handled respectfully and in accordance with your wishes.
Private Keys and Cryptocurrency Access
Private keys are the critical access credentials for cryptocurrency wallets and blockchain accounts. Losing private keys can mean permanent loss of the associated digital funds. Effective planning addresses secure storage of keys, instructions for their retrieval, and designated trusted persons authorized to access and transfer cryptocurrency if needed. Legal documents can provide authority but cannot recover a lost key, so combining legal planning with secure technical storage solutions and clear instructions is essential to preserve value and allow orderly management or distribution of digital currency holdings.
Online Account Inventory
An online account inventory is a comprehensive record of usernames, account types, service providers, and locations of credentials or backup recovery methods. Maintaining an up to date inventory simplifies administration and helps appointed agents find necessary information quickly. Inventories should avoid storing unencrypted passwords in easily accessible places and instead reference secure vaults or password managers. The inventory can include desired actions for each account, such as transfer, deletion, or memorialization, and should be reviewed periodically to reflect new accounts and changes to existing ones.
Platform Terms and Memorialization Policies
Platform terms of service and memorialization policies determine how companies handle accounts after an owner becomes incapacitated or dies. Some services offer legacy contacts and account recovery options, while others restrict access except to the account owner. Understanding these policies helps shape practical instructions and legal provisions so appointed agents can act in compliance with platform rules. Planning should account for differences between providers and incorporate specific procedures for requesting account access, submitting documentation, or selecting memorialization settings where available.
Comparing Limited and Comprehensive Approaches to Digital Planning
A limited approach to digital planning focuses on basic instructions and perhaps sharing a password list for a few critical accounts, while a comprehensive approach integrates digital asset management into formal estate documents and addresses a wide array of online holdings. The right choice depends on the complexity of your accounts, whether you hold cryptocurrency, and how much control you wish to preserve. Comprehensive plans typically provide clearer legal authority and reduce the chance of obstacles during administration, but limited plans can be appropriate for straightforward digital footprints with minimal financial exposure.
When a Limited Digital Planning Approach May Be Appropriate:
Simple Digital Footprint and Low Financial Exposure
A limited approach may be appropriate if your online presence is small and does not include digital currency, complex online businesses, or significant financial accounts. For individuals with only basic email, social media, and a few subscription services, recording access instructions and naming a trusted contact can be sufficient. This lighter approach reduces complexity and can be implemented quickly, but it should still respect security best practices such as using secure password storage and considering how terms of service may affect access for appointed individuals.
Clear and Trustworthy Informal Arrangements
If you have a trusted family member who is already familiar with your accounts and you do not expect disputes, informal arrangements supported by a simple written inventory and access instructions may be adequate. That said, informal plans may leave agents without clear legal authority, and platform restrictions can still create barriers. A limited approach works best when risk is low and the named contact can promptly act in a way that honors your wishes without needing formal probate or court intervention to gain access.
Why a Comprehensive Digital Asset Plan Is Often Recommended:
Complex Holdings and Cryptocurrency
Comprehensive planning becomes important when you hold valuable or complex digital assets such as cryptocurrency, online businesses, high value digital content, or extensive cloud archives. These assets often require both legal authority and precise technical instructions to transfer or access. Failure to coordinate legal documents with secure technical procedures can result in permanent loss or complicated probate issues. A full plan addresses these concerns by documenting access methods, designating responsible agents, and creating clear instructions to preserve value and enable orderly administration.
Privacy Concerns and Potential Disputes
When privacy is a priority or the potential for family disagreements exists, a comprehensive approach provides clearer legal pathways for managing sensitive information and resolving disputes. Formal documents can limit ambiguity about authority and expected actions, reducing the likelihood of contested access requests or exposure of private materials. Comprehensive planning can also include confidential instructions and mechanisms to protect sensitive data, ensuring that handling of digital accounts aligns with your intentions while minimizing stress and confusion for loved ones during probate or administration.
Benefits of Taking a Comprehensive Approach to Digital Assets
A comprehensive plan offers multiple benefits including clearer legal authority for appointed agents, reduced administrative delays, and better protection for privacy and financial value. By integrating digital asset directions into wills and powers of attorney, you give trusted individuals the documented ability to act when necessary. This approach also helps ensure that important data is preserved, accounts with sentimental value are handled according to your wishes, and financial assets stored online are identified and secured. Overall, comprehensive planning helps families focus on grieving and closure rather than technical and legal obstacles.
Beyond immediate access, comprehensive planning supports long term continuity for digital businesses and online income streams, addresses tax and probate considerations, and reduces the chance of value being lost due to inaccessible credentials. It also allows you to specify preferred outcomes for social media memorialization, deletion, or transfer of content. Regular review of a comprehensive plan keeps it aligned with changing technologies and account types, so your instructions remain effective and your loved ones are not left to navigate confusing or conflicting platform rules.
Clear Legal Authority and Reduced Administrative Burden
One important benefit of a comprehensive approach is the establishment of unambiguous legal authority for those you appoint to manage digital affairs. When documents are drafted to include digital asset management and powers of attorney address electronic access, appointed agents are better positioned to act without unnecessary delays or court involvement. This clarity reduces administrative burdens on family members, helps avoid costly disputes, and allows appointed agents to follow instructions efficiently, ensuring digital accounts and assets are preserved or disposed of according to your stated preferences.
Protection of Financial Value and Sensitive Information
Comprehensive planning protects both financial value and private information by pairing technical safeguards with legal instructions. For assets like online investment accounts or cryptocurrency, preserving access and documenting transfer procedures prevents loss of value. For sensitive personal communications and media, specifying how items should be handled helps preserve dignity and privacy. Thoughtful plans also include secure storage strategies for credentials and contingency steps if primary access methods fail, offering an additional layer of protection for what matters most to you and your family.
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Practical Tips for Managing Digital Assets
Keep a Secure, Updated Inventory
Maintaining a current inventory of online accounts, backup recovery options, and locations of credentials makes administration much simpler for those you appoint. Use a reputable password manager or secure document storage and avoid keeping passwords in unprotected files. Include notes about two factor authentication, recovery email addresses, or hardware wallets for cryptocurrency. Update the inventory whenever you create or close accounts, and review it periodically to ensure it reflects your current digital footprint and control methods. This practice reduces confusion and helps your designated agents act quickly and confidently.
Integrate Digital Instructions into Legal Documents
Plan for Cryptocurrency and Platform Specific Rules
Digital currencies and different online platforms present unique challenges that require specific planning. For cryptocurrency, secure storage of private keys and documented instructions for transfer or distribution are essential. For social media and cloud providers, understand available legacy or memorialization settings and include platform specific steps in your plan. Because platform policies change, review these provisions regularly and adjust instructions as needed to reflect current options. Clear, platform specific guidance reduces the likelihood of access being blocked or of losing assets due to policy limitations.
Reasons to Consider Digital Asset Planning in Rutherford
Consider digital asset planning if you hold online financial accounts, run an online business, maintain extensive photo or document archives in the cloud, or use social platforms that you would like handled in a specific way after incapacity or death. Planning helps avoid locked accounts, protects sensitive personal material, and preserves potential financial value. It also saves family members the distress of navigating unfamiliar technical and legal hurdles during a difficult time. A proactive plan provides instructions and legal authority that support orderly administration and respect for your wishes.
You should also consider planning when you use cryptocurrency, maintain significant online subscriptions or intellectual property, or when you are concerned about privacy. Digital assets often require a combination of technical solutions and legal documentation to be managed effectively, and platform policies can complicate access without the right instructions. Planning can also address how to handle business continuity for online ventures and designate who will make decisions, which helps protect value and reputation while reducing uncertainty for family members and business partners.
Common Situations That Make Digital Asset Planning Important
Common circumstances include aging individuals who want to ensure their accounts and personal memories are handled as intended, people with significant online financial holdings such as investment accounts or cryptocurrency, and business owners with digital customer lists or domain names. Additionally, those who maintain extensive photo, email, or cloud archives often need guidance on preserving or transferring those materials. Planning is also crucial for anyone concerned about privacy or potential family disputes so that clear instructions and legal authority are in place ahead of time.
Managing Cryptocurrency and Digital Wallets
Cryptocurrency requires special attention because control depends on access to private keys and recovery information rather than traditional account credentials. Without careful planning and secure storage of keys, funds can become inaccessible and permanently lost. Planning should identify where keys are stored, how trusted agents will obtain access, and specify transfer instructions where appropriate. Combining secure technical measures with legal authority in estate documents can provide a reliable path for management or distribution, helping to ensure that digital currency holdings can be located and used according to your wishes.
Protecting Personal Memories and Private Data
Many people store lifetime photographs, correspondence, and personal files in cloud storage and social media platforms. Without guidance, these materials may be exposed, deleted, or lost at a time when loved ones most want access. Planning allows you to designate how these items should be handled, whether they should be preserved, shared, or removed, and who should manage that process. Including these preferences in your plan helps protect privacy, preserve legacy materials, and give clear direction to those responsible for carrying out your wishes.
Ensuring Business Continuity for Online Ventures
Owners of online businesses, websites, and e commerce platforms should plan for continuity to avoid disruption to operations and revenue streams. Digital asset planning identifies key accounts, domain registrations, payment processors, and customer lists, and assigns responsibility for managing or transferring those elements. Proper documentation and authority reduce downtime and help protect reputation and value, enabling appointed individuals to take necessary actions quickly. Planning also provides a roadmap to follow for closing or transferring business assets according to your intentions.
Digital Asset Planning Services in Rutherford, TN
Jay Johnson Law Firm is available to assist Rutherford residents with creating practical and durable digital asset plans that fit within broader estate and probate strategies. We work with clients to document accounts, recommend secure ways to store access information, and draft legal provisions that grant appropriate authority to trusted agents. Our approach emphasizes clarity, privacy protection, and practical steps that reduce burdens on family members. If you have concerns about online accounts, digital currency, or preserving personal archives, we can help design a plan that aligns with your priorities and Tennessee law.
Why Choose Jay Johnson Law Firm for Digital Asset Planning
Jay Johnson Law Firm combines knowledge of estate planning and probate processes with a practical approach to modern digital issues, helping clients translate their wishes into actionable plans. We prioritize clear communication and careful documentation so that appointed agents have the authority and instructions needed to manage accounts and assets. Our services are designed to reduce legal uncertainty and technical obstacles, making it easier for families to focus on what matters most while ensuring digital holdings are handled responsibly and in accordance with your directions.
Our firm helps clients inventory digital assets, choose appropriate methods for secure credential storage, and update legal documents to include provisions for electronic records and account management. We also provide guidance on platform specific procedures, such as memorialization options and recovery processes, to align your instructions with what service providers are likely to accept. This practical coordination of legal and technical aspects supports smoother administration and reduces the risk of lost assets or privacy breaches.
Working with Jay Johnson Law Firm gives you a partner who understands local Tennessee probate considerations and how they intersect with digital account management. We aim to provide straightforward, actionable plans that reflect your wishes and reduce stress for those you leave behind. Our assistance includes ongoing review recommendations so your plan adapts over time as new accounts and technologies emerge, keeping your directions current and effective for future needs.
Ready to Plan Your Digital Estate in Rutherford?
How Digital Asset Planning Works at Our Firm
Our process begins with an initial consultation to review your online holdings and priorities, followed by creation of a secure inventory and recommended legal documents. We tailor wills, powers of attorney, and trust provisions to include digital asset management and coordinate those documents with practical instructions for accessing accounts. We also advise on secure credential storage and platform specific issues. After implementation, we recommend periodic reviews to keep the plan current. The goal is a workable, legally sound framework that trusted individuals can follow when needed.
Step One: Inventory and Goals
The first step is compiling an accurate inventory of online accounts, storage locations, and access methods, and discussing your goals for each item. We work together to identify financial accounts, digital currency holdings, photos, email, domain names, and business platforms. This stage also includes deciding who should have access, what actions should be taken, and any privacy considerations. The inventory and goals inform drafting decisions and ensure that subsequent documents reflect your intentions for handling digital property and personal data.
Compiling Account Lists and Access Information
We guide you in assembling a comprehensive list of accounts and credential locations while advising on secure storage practices. This includes documenting platforms, recovery methods, hardware wallets for crypto, and locations of any physical media containing access information. Rather than storing unencrypted passwords together, we recommend referencing secure password management methods and noting how appointed agents should obtain access. A clear, well organized account list reduces friction during administration and helps prevent accidental loss of valuable digital items.
Clarifying Desired Outcomes for Each Account
During the initial planning stage, we discuss preferred outcomes such as transfer, closure, memorialization, or preservation of account content. These instructions are recorded alongside the inventory so that each account has a defined disposition plan. Clarifying these preferences early helps guide drafting of legal documents and reduces ambiguity for agents. This also allows us to consider tax, business continuity, and privacy implications for significant accounts, ensuring your directions are practical and consistent with platform policies and local legal requirements.
Step Two: Drafting Legal Documents and Instructions
After identifying accounts and preferences, we draft or update estate planning documents to provide clear legal authority and instructions for digital assets. This may include provisions in wills, specific clauses in powers of attorney for electronic access, or trust language where appropriate. The documents will reference the inventory and may appoint a digital agent and successors, set limits or permissions, and provide guidance for handling sensitive materials. Proper drafting helps ensure that appointed individuals can act effectively with service providers and financial institutions.
Including Digital Provisions in Wills and Powers of Attorney
We incorporate language into wills and powers of attorney that grants authority to handle electronic records and access online accounts on your behalf. This language is crafted to be practical and to align with Tennessee legal standards so that agents can demonstrate authority when dealing with third parties. Including such provisions reduces the likelihood that account providers will deny requests due to unclear authorization and helps appointed individuals fulfill your instructions with less friction during probate or administration.
Addressing Platform Specific Procedures and Documentation
Because service providers have varying policies, we include platform specific guidance and recommend documentation to support account access requests. This may involve drafting letters of instruction, preparing forms commonly required by providers, and advising on what evidence agents should present. Anticipating platform procedures increases the chance that accounts can be managed according to your wishes and reduces delays. We also advise on privacy protections to balance access needs with the protection of sensitive information.
Step Three: Implementation and Ongoing Maintenance
Implementation includes executing updated legal documents, finalizing the secure inventory, and providing instructions for how agents will obtain access when needed. We review secure storage options for credentials and recommend review intervals to keep the plan current. Life events such as new accounts, changes in family structure, or technological developments may require updates, so ongoing maintenance ensures the plan continues to reflect your intentions. A maintained plan reduces the chance of surprises for loved ones and preserves the utility of your digital directions.
Executing Documents and Secure Storage
Once documents are prepared, we assist with proper execution and advise on storing originals and secure references to account credentials. This may include guidance on where to keep originals, which third parties should have copies, and how to structure access to password managers or hardware wallets. Proper execution and storage practices ensure that appointed agents can find and rely upon the necessary documentation when called upon, avoiding delays that can occur when documents are missing or inaccessible during administration.
Regular Reviews and Updates to the Digital Plan
Digital lives evolve quickly, so periodic reviews of your inventory and legal documents are important. We recommend scheduled check ins to add new accounts, remove closed ones, and adjust instructions as your preferences change. Regular updates maintain alignment with platform policy changes and new types of digital holdings. Keeping the plan current preserves its effectiveness and prevents the need for emergency adjustments that can be costly or lead to unintended outcomes for your family and appointed agents.
Frequently Asked Questions About Digital Asset Planning
What are digital assets and why should I include them in my estate plan?
Digital assets encompass online accounts, cloud storage, email, social media, digital photos, cryptocurrency, and any electronically held property with value or personal significance. Including these items in your estate plan ensures there are instructions and legal authority for trusted individuals to access, manage, or distribute them according to your wishes. Without explicit planning, service provider policies or technical hurdles can prevent family members from retrieving important information or assets.A plan typically combines an inventory of accounts and secure access instructions with legal documents like wills and powers of attorney that grant authority for electronic records. This coordinated approach helps protect financial value, preserve sentimental materials, and reduce the burden on loved ones during administration.
How can I ensure someone can access my accounts after I am incapacitated or die?
Ensuring access requires both practical and legal steps. Practically, document where credentials and recovery options are stored and consider using a secure password manager or trusted custodian. Provide clear instructions on how appointed individuals should obtain access while protecting sensitive details during your lifetime.Legally, include provisions in powers of attorney and estate documents that expressly authorize agents to access electronic records and manage accounts. When combined, these measures give designated individuals the necessary tools and authority to act when you cannot, reducing delays and complications during administration.
Do social media companies allow account access for family members?
Social media companies have varied policies regarding access after an account holder dies or becomes incapacitated. Some platforms allow designation of a legacy contact or provide memorialization options, while others restrict access to the account owner only. Understanding each platform’s procedures helps you provide realistic instructions in your plan.Including platform specific guidance and necessary documentation in your estate plan increases the likelihood that your wishes will be honored. This may involve noting preferred memorialization settings, authorizing a designated person to request account changes, or specifying whether content should be preserved or removed.
What should I do about passwords and password managers?
Passwords should be handled with both security and accessibility in mind. Avoid storing unencrypted passwords in easily accessed locations. Instead, use a reputable password manager or secure physical storage for critical credentials. Document how trusted agents can access these tools when necessary.Combine these technical measures with legal documentation authorizing appointed individuals to obtain and use credentials on your behalf. This dual approach protects your accounts from unauthorized access while ensuring that those you designate can carry out your instructions when appropriate.
How do I plan for cryptocurrency in my estate?
Cryptocurrency planning requires clear documentation of where private keys and recovery phrases are stored and instructions for transferring or distributing holdings. Because cryptocurrency access depends on possession of private keys, legal authority alone is not enough; secure technical arrangements must be made so keys can be located when needed.A comprehensive plan will pair secure storage solutions with legal documents that designate responsible parties and describe steps for transfer or liquidation. It is also important to consider tax and probate implications and to keep instructions up to date as wallets or storage methods change.
Can I include instructions for photos and personal files stored in the cloud?
Yes, you can include instructions for photos and personal files in the cloud. Specify which accounts contain materials you want preserved or deleted and name who should manage those actions. Providing clear directions reduces confusion and helps ensure sensitive content is handled as you prefer.Documenting preferred outcomes in estate planning documents and including references to your inventory supports appointed agents when they request access from providers. Combining technical notes about where files are stored with legal authority improves the likelihood that content will be retrieved and managed properly.
Will a power of attorney allow someone to manage my online accounts?
A properly drafted power of attorney can grant someone the authority to manage your electronic records and online accounts during incapacity. The power of attorney should include explicit language addressing electronic access and describe the scope of authority regarding online services and digital transactions.It is important to ensure the power of attorney complies with Tennessee requirements and is coordinated with other estate documents. This legal authority should be paired with practical instructions and an inventory so agents can exercise their powers efficiently and in accordance with your wishes.
How often should I update my digital asset plan?
Update your digital asset plan whenever you create or close accounts, change passwords, acquire cryptocurrency, or experience life events like marriage or the birth of children. Regular reviews every one to three years are advisable to keep the inventory and instructions current and aligned with platform changes.Periodic updates ensure that appointed individuals remain the right choice for access and that your documented preferences reflect any changes in your wishes. Keeping the plan current reduces the risk of confusion and improves the likelihood that your directions can be followed when needed.
What if I have an online business or domain names?
If you run an online business, planning should address domain registrations, hosting accounts, payment processors, customer data, and administrative credentials. Documenting who will manage operations, transfer ownership, or wind down accounts helps maintain business continuity and protect revenue streams during transitions.Include business specific instructions in your overall estate plan and consider whether trust structures or other mechanisms are appropriate to preserve value. Clear delegation and legal authority reduce downtime and help ensure customers and partners are treated consistently with your intended plan.
How does digital asset planning interact with probate in Tennessee?
Digital asset planning interacts with probate depending on how assets are titled and the type of authority granted to agents. Some digital property can be accessed and managed without probate if proper powers of attorney or account transfer mechanisms are in place, while other items may require probate administration if they are considered part of the estate.Coordinating digital provisions with your overall estate plan helps reduce the need for probate actions and clarifies what can be handled administratively by appointed agents. Understanding Tennessee probate rules and how they apply to electronic assets is part of creating a practical, enforceable plan.