By Sharon Hartung ( July 21, 2021, 8:43 AM EDT) -- One of the most common misconceptions I see in estate planning is that people believe that their spouse, partner or child can simply use the deceased’s passwords to log in to access financial accounts. Even if the accounts are joint, attempting access via the deceased’s passwords will likely violate the terms of service with the institution. If clients have joint accounts, each individual user should be using their own login credentials to manage that account. And this applies to fiduciaries....