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This is particularly important for online bank accounts as otherwise anyone logging into your account on your behalf may be committing an offence under the Computer Misuse Act 1990.If you would like us to review your Will or LPA or discuss this further please contact us and we will be pleased to help you.Legendary investor Warren Buffett advises to be fearful when others are greedy, and be greedy when others are fearful.

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Have you thought about your digital assets, what will happen to these on your death or if you lose capacity to manage your affairs?

Digital assets include any accounts that you open online, email accounts, social networking, bank accounts even your own websites.

Ironically, we do not want to pay higher taxes, and yet still expect wonderful services; so do we even trust ourselves?

We know that money-printing is in effect debt manufacturing, and we know that deep down the debt we are raising and creating will never ever be paid off. It is affected by the actions of people and institutions with whom we live and work each day, and is confirmed by the results we experience from those in whom we place our confidence.

Although they may not all have a monetary value you do need to take some time to think about how you would like them to be dealt with when you die.

Some of these may be valuable such as bank accounts and Paypal accounts; indeed all online accounts.

We do not trust technology companies with our data; just look at the Facebook dilemma. If you are reading this article it is probably because you have placed your trust in KMG. At KMG, we minimise taxation where possible, we try to minimise volatility where possible, we never over-promise investment results and we err on the side of caution when considering future investment returns.

By the same token, technology also means that we do not need to believe or trust in the political and/or administrative systems of global governments because power is increasingly at our fingertips to find the information we need and to trade in the world as we wish to without being individually and irresponsibly controlled by the state. We all choose to ignore some issues, it is part of human behaviour, and that is what makes predictions about the future impossible, and yet fascinating! Trust is a febrile matter; one that can be broken very easily and very quickly. Our primary objective is to preserve that trust and continue to earn that trust by looking after you and the clients you refer to us in the absolute knowledge and trust that the referral will be dealt with in a trustworthy and honest way. Patrick Mc Intosh Firstly, things are rarely as bad as you think.

If you have your own website and domain name, these could lapse if fees become due and your executors can’t deal with them promptly.

You should therefore take steps to ensure that your executors will be aware of all of your online assets and more importantly that they will be able to access them.

This year we will be holding a KMG panel discussion and a bigger Q&A session.

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