Using MissingMoney.com to search for unclaimed property held in state treasury departments as well as unclaimed retirement-account balances. You can search on behalf of yourself and family members. If you have a common last name like Smith or Johnson, it may take you much longer than if you have unique last name. There is a certain amount of paperwork involved to file a claim, and you must provide proof of identity, but it may be worth the time to uncover funds to add to a rainy-day account. – George Papadopoulos, a fee-only wealth manager in Novi, Mich.