Wab, I keep a hard copy of the letter in a locked fireproof box in my house. My daughters have a key and know where it is. I remind them annually when I update the list via a phone call or in person. One is 29 and the other is 19. They would be welcome to read it if they wished, but neither has shown interest in seeing details. I keep a digital encrypted copy in my backup systems so I don't need to retype it each year. I should probably get a safe deposit box - but I just don't want the hassle of running back and forth.