Everything your family would need, sealed in one place.
Stemma is a household workspace for the records people actually need to find, understand, and carry forward: access details, important documents, locations, and the instructions that make them usable.
The categories are only the beginning.
A useful household record puts the practical detail beside the context someone needs to understand it and take the next step.
Explore the working view →
The first question is usually practical.
Write down the record that only one person knows how to find.
Put the original document beside the explanation of what it is for.
Name the person who should understand the next practical step.
Return when a life event changes the record or the person who holds it.
A good household plan starts with a record someone else could actually use.
The records that become difficult when only one person knows them.
A useful plan makes more than a list. It keeps the access, the original location, and a note about what someone should do next.
Banking, email, utilities, and the domain your business runs on — with the recovery context another person needs to start in the right place.
Deeds, titles, insurance policies, the will itself — plus where the signed originals physically live.
Financial accounts and important asset records — with the original locations and practical context a household needs when it must begin looking.
Personal instructions and letters, kept beside the context that helps another person understand when and why they matter.
Useful this year, not just someday.
A vault you only open at the end never gets filled. This one earns its place in the household now.
Keep statements, deeds, and policies together so a conversation with an adviser starts from a better record.
Document the recovery path and the context around an account before someone has to reconstruct it under pressure.
A household record earns its place when it can be revisited and made clearer as life changes.
Three decisions, made once.
Put the important record in writing
Start with the accounts, documents, and instructions a household would have the hardest time finding later.
Name who should understand it
Write down the people, professionals, and next actions that give a record its practical context.
Keep the plan useful
Return when an account changes, a document is signed, or a new instruction should be clear to someone else.
You've thought about this before. Here's where it usually stops.
Begin with one record. The point is to create a clear starting place, not to finish every household detail in one sitting.
Most of it. Not necessarily the recovery detail, the original document, or the context around an account — the practical part that never gets said out loud.
A folder can be a useful start. The question is whether another person can find it, understand it, and know what to do next.
Writing it down doesn't hasten anything. It just means the worst week arrives with instructions instead of a search.
A household plan needs clear boundaries, not louder promises. The security working note names the questions that a current implementation and policy review must answer before it becomes a public assurance.
For the person who receives it, it isn't a product.
It is a quiet handover on a difficult week: the accounts already named, the deed already found, and the letter or instruction already in context. Less guessing, fewer drawer-by-drawer searches, and a clearer place to begin.
A useful plan is thoughtful about what each person should understand and how the record should be revisited as life changes.
How inheritance works →Begin with the record
another person would need first.
It can be small: an account, an original document, or one instruction that deserves to be written down clearly.