I am not a lawyer or professional advisor for financial or security issues.
I share these ideas as some of the issues I have dealt with in my own personal situation.
Sorry to be so verbose ... BUTT I guess I am on a roll ...
Another thing which could be done is to set up some kind of co-member/co-owner status on accounts.
Canada and USA will have differing versions of how to enact this, BUTT I will share some suggestions which could be used as a "living estate" management initiative. I have been through this 3 times now, so just giving In My Experience
Consult and have a working relationship with a lawyer and an accountant who BOTH know your situation and can work together.
Assess assets / ownerships / control issues with the above counsel.
Draft proper legal documents detailing who does what / where / when / how
( wills / powers of attorney / "living wills" / trusts / representation agreements / advanced medical care / planning agreements etc. etc. etc. there are MANY ways to address this )
Get a safety deposit box ( at a bank ) and give duplicate key to trusted party. It can hold all legal documents including an encrypted flash drive or "password " master list. A co-holder should not need legal permission to access it.
Put a safe in your house and keep things there, with the code being given to the trusted party.
Get the trusted party listed on some / all accounts / assets as active co-holder.
Get the trusted party listed on some / all accounts /assets as a blind trust
inactive "beneficiary" or holder in due course.
Whatever we / you do ...
IMO ... do something to protect your ASSets ...