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WHERE TO STORE DOCUMENTS? We asked financial and legal pros about the proper care and storage of official documents. In general, they say there are three levels of document importance, each

having different storage and format needs: TIER 1: ESSENTIAL LIFE DOCUMENTS These documents require top-level care: Social Security card, passport, will, health care proxy, birth

certificate, marriage certificate, car title, home deed, divorce papers, military discharge papers SUGGESTED STORAGE: FIREPROOF SAFE OR BANK SAFE-DEPOSIT BOX We think of safes as hulking

units with a combination lock. But any locking box that is waterproof and fireproof provides secure storage for your most important documents. “If a document was in just a normal filing

cabinet on the bottom shelf, that could very well be susceptible to weather-related issues,” says Nicole Gopoian Wirick of Prosperity Wealth Strategies in Michigan. “And some safes have come

a long way in that they are lighter and easier to access.” Make sure that family members or anyone else who would need to access the safe in an emergency has the code or knows where to find

the key, suggests David Haas, founder of Cereus Financial Advisors in New Jersey. Also, hide smartly. Burglars tend to scour master bedrooms in search of valuables to steal, so put it

elsewhere. And if crime in your area concerns you, go the bank safe-deposit box route. It's also a good idea to make digital backups of these documents. TIER 2: IMPORTANT REFERENCES

These documents are stored for easy access: 401(k) or IRA statements, life insurance policies, tax returns (three to seven years) SUGGESTED STORAGE: ONLINE CLOUD STORAGE A number of

documents are important to have for reference, but you don't need to keep physical copies. For these, you should upload electronic versions to cloud storage, then shred the originals.

Cloud storage means that your files are kept on a highly secure remote computer server. By using a service such as Apple iCloud, Google Drive or Microsoft OneDrive, you can access files you

have uploaded from any device—computer, tablet or phone—after you've entered in the appropriate verification info. Files can be organized into folders. You can also give access to

family members who may need access to help you in an emergency or to manage your affairs as you age. In addition to keeping documents for which you no longer need paper copies, cloud storage

is also useful for keeping backup copies of all documents. In case something happens to the paper documents, you still have access to account numbers and other information. TIER 3: QUICK

ACCESS These documents should be carried with you: driver's license, other state-issued ID, health insurance card SUGGESTED STORAGE: YOUR WALLET This is for cards you need to access

regularly. Another factor to consider is whether someone could use the information for identity theft. (Don't carry around you Social Security card, for example.)