Valoren Advisor — your estate guide, UK law & letters included
Printed 24 August 2026
valoren.uk
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The Valoren Advisor
An expert reader of your records. Available the moment you have a question.
The Advisor is the part of Valoren that reads, drafts, and explains. It knows your 33 records, the documents you have uploaded, the UK rules that apply, and the structure of ES-2026. It documents and explains — regulated advice, where needed, comes from Signum's qualified specialists. The boundary is precise.
33
Records
always in context
24/7
Available
every paid tier
Every claim
Cited
source-referenced
Valoren · Advisor
Live
You
What does the April 2027 IHT pension change mean for my estate?
● Sample · cycling
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What the Advisor does
Six things, well.
I · CARD
Read your documents
Upload an existing pension letter, insurance certificate, or solicitor file.
The Advisor extracts the structured data and pre-fills the relevant instrument. Hours of typing become minutes of review.
Vision · OCR · Field extraction
II · CARD
Answer questions on your records
"What does my Medical Abstract currently show for my health LPA?" "Which records mention my Aviva pension?"
The Advisor reads your portal data and answers in plain English.
Grounded retrieval · No external roaming
III · CARD
Explain UK law and process
Probate timelines. IHT thresholds and the April 2027 pension change. LPA registration.
The Advisor explains current UK rules — without recommending what you should do.
Curated knowledge · Cited sources
IV · CARD
Draft summary letters
"Write a summary I can take to my solicitor." "Compose a brief for my IFA covering retirement planning."
Drafts are prepared from your data, ready for your review.
Composed · Reviewed · Yours to sign
V · CARD
Triage life events
When something changes — house move, new baby, divorce, diagnosis — the Advisor lists exactly which instruments need updating, in what order, and why.
Event-driven · Ordered · Explained
VI · CARD
Coach completion
If you're stuck on an instrument, the Advisor asks the next question, suggests answers based on what you've already told it, and never guesses on your behalf.
Stepwise · Confirmation-based
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The broader system
The Advisor is a way in. Your records are what it's answering from.
Ask it a question today and it draws on what's general. Inside Valoren, it draws on your own 33 records — held current, so the answer is about your situation, not the general one.
Continuity layer
What this becomes inside Valoren
Stored in your records system
The information you've just shared lives in your Valoren records — encrypted, organised, ready when you or your trusted person needs it.
This page is one part of a larger system.
A document decides what happens once. Valoren's 33 records cover everything your executor needs to actually act — held current, visible to the people who need them.
Kept current for you
Tax thresholds change. Pension rules change. Family circumstances change.
Your records system updates the relevant outputs when they do — no need to redo this.
Surfaced when it matters
The right document for the right moment. Day-one of a bereavement. A capacity event. An executor's first hour.
The system already knows what to produce.
Visible to the people who need it
Your trusted person sees what you've chosen to share, when you've chosen to share it.
No password handover. No "where are the documents." A real continuity layer above your will.
Find this again
We'll email you a link back to this page — no need to search for it later.
Practical guide, not legal advice. Prepared 24 August 2026. ES-2026.
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What you might ask
Real prompts. Real answers.
01
“Which of the 33 records matter most for my situation?”
02
“Read this pension letter and fill my Asset Inventory for me.”
03
“What does the April 2027 IHT pension change mean for my estate?”
04
“Write me a summary to take to my solicitor next week.”
05
“My trusted person has moved to Edinburgh — what do I update?”
06
“Draft a 48-Hour Letter to my partner based on what I've completed.”
07
“What's the difference between LPA Health & Welfare and Property & Financial Affairs?”
08
“Compose an Executor Pack cover sheet for my brother.”
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The boundary
The line between documentation and advice.
Most assistants pretend to be more than they are. The Advisor is the opposite — it states clearly what it will and will not do, and refuses cleanly when a question crosses into regulated advice.
What it will do
✓Read documents you upload
✓Pre-fill instruments from extracted data
✓Explain UK rules clearly, with sources
✓Draft text for your review and signature
✓Cite the source of any factual claim
✓Decline cleanly when something is outside scope
What it will not do
Recommend specific financial products×
Recommend specific solicitors or firms by name×
Tell you whether your will is legally valid×
Calculate tax owed (it explains; it does not compute)×
Take actions on your behalf without your confirmation×
Pretend to be human×
From reading to ready
This guide is free, and it stays free. The Household Continuity Dossier renders your household's own version — your people, your accounts, your wishes — into a maintained record your executor or trusted person will actually reach for, kept current every year.
No open-internet roaming. In the portal, the Advisor can work with your Google Calendar and Gmail — only if you link them, and it always confirms with you before anything is sent.
Citations
Every factual claim sourced
Encryption boundary
Same as the rest of the portal
Conversation retention
Not stored — chat history lives in your browser. Our servers log message counts, never transcripts.
Model training on your content
Never
Out-of-scope handling
Refers to Signum specialist or external pro
Tier inclusion
Household Continuity Dossier, Estate Standard Seal
It documents and explains; regulated judgement stays with qualified specialists.
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Inclusion
The Advisor is included from the Household Continuity Dossier upwards.
The Household Continuity Dossier and Estate Standard Seal both include it. Take the Estate Quiz to see where to start — the Advisor begins helping you the moment you sign in.