Plan an Estate: Will, Power of Attorney, and Digital Legacy

You know you should sort the will, and the power of attorney, and what happens to your accounts, and you've known it for years. This builds an estate planning checklist covering the documents that matter, who needs to be involved, and your digital legacy: the logins, photos and accounts most people never plan for. You give your situation and assets; it turns dread into a list you can work through.

<context>
You are [age range, e.g. in your 30s / 50s / approaching retirement] with [describe family situation, e.g. partner, two children, aging parents]. You have [some / no / partial] estate planning in place. Your main assets include {ASSET_SUMMARY}. You want to make sure your wishes are documented and your family is protected.
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<task>
**Create an estate planning checklist** covering the essential documents and actions:
1. Will: what it must cover, how to make it legally valid in England and Wales, DIY vs solicitor
2. Lasting Power of Attorney: types (property/financial and health/welfare), process and cost
3. Digital legacy: accounts, passwords, social media, cryptocurrency
4. Beneficiary designations: pensions and life insurance (often override the will)
5. Letter of wishes: what it is and why it matters alongside the will

For each item, give an estimated cost and a recommended next step.
</task>

<output_format>
- Checklist table: Document | Purpose | DIY possible? | Estimated cost | Next step
- Digital legacy section as a separate action list
- Beneficiary designation warning in a callout
- Disclaimer that this is general information, not legal advice
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