A financial adviser refers. A specialist drafts. Your adviser stays in the loop.
Your financial adviser recommends a specialist will service; the service drafts; your adviser stays in the loop. It's a business-to-business-to-consumer model. Kinherit, the channel's best-known name, states its whole will-writing team is STEP-qualified — ask any other service the same. Pricing typically starts from a published headline figure, with the final fee confirmed once your adviser has scoped the work. And the will is drafted with sight of your financial plan.
Kinherit states its will-writing team is all STEP-qualified. Ask whichever service your adviser names the same question.
A published headline price, with the final fee confirmed once the adviser makes the introduction and the scope is known.
The will is drafted alongside your financial plan — context a standalone will-writer rarely has.
How is the recommendation remunerated?
Not because payment is wrong — because disclosure is your right, and a good adviser answers in one sentence.
The adviser-referred model vs the household dossier
| Adviser-referred (e.g. Kinherit) | Valoren | |
|---|---|---|
| Who makes the introduction | Your financial adviser | No referral needed — direct, online |
| Drafting standard | STEP-qualified specialist drafting | Self-service, within eligibility rules signed off by a practising solicitor; no individual solicitor review; routed out if complex |
| Pricing | From £375 single / £545 mirror (Kinherit); final fee confirmed on engagement | Published: £149 single · £229 mirror |
| Sight of your finances | Built alongside your adviser's financial plan | Built from your own household record |
| Executor policy | Kinherit's stated policy: never named as executor | Never acts as executor — your Trusted Persons are yours |
| After the will is signed | Kinherit: the free Kinvault, supplied with its will — a secure digital vault (documents, asset register, contacts) with executor handover on death or lost capacity | Will Watch + the household dossier — kept current |
Kinherit pricing as advertised on kinherit.co.uk, 23 August 2026 — a starting price; the final fee is confirmed on engagement.
What this channel provides
Three things this channel provides, stated here rather than buried, because leaving them out would flatter us. Each is either Kinherit's own published statement or a structural feature of the referral model:
Kinherit states all of its will-writing specialists are STEP-qualified — a recognised professional benchmark.
The will is drafted with sight of your financial plan — a standalone will rarely has that context.
Kinherit states it never names itself as executor of a will it drafts. Valoren never acts as executor either — parity, not an advantage on either side.
Kinherit, specifically
Kinherit is the best-known name in this channel. Their model also captures practical information around the will — the free Kinvault, set out in §5, below — which puts it in the same category of product as the household dossier, reached through the adviser channel where Valoren is bought direct.
| Dimension | Kinherit |
|---|---|
| Channel | Adviser-referred — clients arrive via IFA recommendation, not search |
| Drafting | STEP-qualified drafting |
| Fees | From £375 single / £545 mirror published; final fee confirmed on engagement |
| Executor policy | Does not write itself in as executor |
| Overlap with Valoren | Supplies a records layer with its will — the free Kinvault — the same category of product as the household dossier, reached through the adviser channel rather than bought direct |
This page explains how the adviser-referred model works generally, and the stated practices of Kinherit Ltd specifically — sourced from their public site. It isn't a recommendation for or against any provider. If your adviser named a different service, the same questions apply.
Whoever drafts, ask what happens to this layer over time
However good the drafting: the original still has to be findable, the executors informed, the records current, and the whole picture revisited when life moves. That layer is a household discipline more than a drafting deliverable — and Kinherit builds part of it: the free Kinvault, supplied with a Kinherit will, is a secure digital vault holding an address book, asset register and documents, released to executors or attorneys after an identity check when the moment comes. That overlap is stated here rather than buried, because leaving it out would flatter us. The differences: the Kinvault comes bundled with a Kinherit will, through the adviser channel; the household dossier is sold on its own, whoever drafted your will, with Will Watch on the document itself — and keeping the record current as life moves is the discipline the subscription exists to carry. Whether any vault is kept current over the years is a question worth asking of whichever service holds your records.
The household dossier is this layer sold on its own — no will purchase required, no adviser in between, whoever drafted the document.
£195 for the first year, then £99/yr.
The continuity layer, sold on its own — the household dossier→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.
See The Household Continuity DossierAdviser-referred wills, answered.
Kinherit facts sourced from their own public site. Facts checked: 23 August 2026.