Gale - I create a folder for each year and in that folder are individual folders by plant name where the corresponding cultivar photos go. Then I sort all the cultivar folders alphabetically. Makes it real easy to find each cultivar when looking for photos. I can go back to previous year photo folders as well. I always back my photos up onto an external drive as a precaution so that the photos are in two places.
I don't have nearly as many cultivars and seedlings as some people grow, so I am easily able to download my photos in the evenings. I also take a photo of the name marker and then take the bloom photos so that I know for sure what cultivar the photos are of. I do it daily because I need to check the photos to see if they came out. If not then I know to take more bloom photos of that particular cultivar.