The risky month is the one nobody owns. The list below is how the ownership moves.
Bank and card access, the software login, the payroll desk's reports, and a note of which accounts the bookkeeper alone understood. Those move before the last day, not after. Passwords that live in one person's head are the gap.
What you tell the bookkeeper is yours to say. This page does not script a resignation conversation. It names the file that has to survive it.
If they have already left, the read starts from what access remains. The call says which logins are missing.
You will be talking to the Steven Palmieri practice.