Family Handover, Wills & Estate Planning | ValorenSkip to content
Family continuity · England & Wales

Everything your family will need. Ready before they need it.

A will says who gets what. It can’t tell whoever steps in where anything is, what happens first, or who to call. Valoren prepares all of it for you — the will, the letters, the handover, the forms, the yearly review — and keeps everything ready, year after year.

Free to start · no card · England & Wales · Standard from £195 first year, then £99/yr
First page of the Family Handover Kit checklist.
First page of Valoren's drafted notification letters.
The one-screen handover view a trusted person opens — everything prepared for them, in one place.
The complete checklist
Every letter, drafted
The handover — what your person sees
real documents · the real handover screen · prepared, kept current, released when it's time
33 records13 life events41 form walkthroughs7 professional pack types100+ prepared document types
Where do you start?

Pick the one that fits today.

Every household dossier begins somewhere. Find the situation that matches where you are right now.

Getting your own affairs in order
Start your free first sitting
A complete picture of your accounts, wishes, and key documents — built sitting by sitting.
Continue
In the first days after a death
First steps after a death
Who to call, what to register, and what not to get wrong in the first 72 hours.
Continue
You're a named executor
Executor's First Hour
A step-by-step pack written for the first hour in the role — probate, banks, estate notices.
Continue
Helping or caring for a parent
Caring for a Parent
Their affairs, their wishes, their digital access — before a crisis forces the question.
Continue
Acting under a power of attorney
LPA & capacity routes
LPA forms, financial access, and what it means to act on someone else's behalf.
Continue
Completing a government form
41 free form walkthroughs
Plain-English guides for probate, inheritance tax, and death registration — free.
Continue
Want it done for you
Signum — the specialist practice in our group
We build your complete household dossier on your behalf — every record placed, every document verified.
Visit Signum
Intelligence layer

What a folder would not tell you

A folder holds documents. Valoren checks the relationships between them.

Wills & estate

A will may no longer do what you think

A will is important, but it does not sit alone. Later marriage, new property ownership, pension nominations, trusts, or updated documents can change what the will actually settles. Valoren keeps those surrounding records in view, so the file shows where the will is strong and where another route may matter.

Authority & LPA

Being trusted is not the same as being able to act

A person may know your wishes and still lack the authority, access, or instructions needed. An executor, attorney, trusted person, solicitor, and family member all stand in different positions. Valoren records who is named, what they can receive, and what still has to be completed before they can help.

Records & outputs

One fact can change many outputs

A date, address, document status, or named person may be needed in more than one place. The same record can affect an executor brief, a solicitor pack, a form route, a family letter, and the next annual review. Valoren keeps those links together so the file can produce the right output without asking the same question again.

How it works

What Valoren checks before anyone needs it

Five things the household dossier holds in view — so nothing has to be assembled in a hurry.

Records are more useful when they can be cross-checked

Valoren does not only store documents. It compares the dates, people, ownership details, nominations, and authority records that often sit apart in a normal household dossier.

A will made before a marriage. A pension nomination that has not been revisited. Property held in a way the will does not cover.

A folder would not connect those facts — a household dossier does.

For example
  • A will date checked against a later marriage or civil partnership.
  • A pension nomination checked against current family records.
  • Property ownership checked against what the will is expected to cover.
● The institution· UK
UK entity
Standard Index Group · in formation
Data protection
UK GDPR
Hosting
UK· Encrypted
Cooling-off
14 days
Cancellation
Any time
Free · no card · 10 minutes

Your first sitting takes about ten minutes. This is what you leave with.

A preview of your household dossier
See what a complete file covers — and how far you already are.
The records that matter first
We lead with the ones your executor or attorney needs most.
Unknowns turned into tasks
“I don’t know” is a normal answer here—we hold your place.
Free guides matched to your moment
The right library articles and walkthroughs for your situation.
A route forward if one fits
A prepared pack, a form guide, or just a next step.
What this spares your family

The cost of an unprepared estate is paid in hours, money and worry — by the people left behind.

0–0 hours
Estate administration

The hours a full estate can take to administer when nothing was written down — multiplied across everyone who has to help.

up to £0
Often left unclaimed

Support many families miss — like Bereavement Support Payment — simply because no one knew to claim in time.

No searching
For your life

The difference between a family that knows where everything is, and one that spends the first month searching for it.

None of this removes the grief. It removes the scavenger hunt laid on top of it.
56%
of UK adults have no will.
Money & Pensions Service, 2024
47%
of bereaved partners cannot find key documents.
Royal London, 2023
£31.1bn
in lost UK pension pots, never paid out.
Pensions Policy Institute, 2024
What changes at the moment

When notification fires, the records that moved freely freeze.

The work the system does is for these records
I
Joint accounts
Passes
Rule of Survivorship.

Joint accounts pass automatically to the survivor. No probate. No notification freeze.

The account keeps operating without interruption — direct debits stay live, the survivor retains full access on day one.

No probate· No freeze· No court paperwork
II
Sole-name accounts
Freezes
This is the gap the system closes.

Sole-name accounts freeze the moment the bank is notified of the death.

Direct debits stop, standing orders bounce, funds become inaccessible until the grant of probate arrives.

The work the system does is to surface the records — fast — before the gap widens.

Frozen on notification· access via grant of probate
§ II· The substanceArticles I & II· drawn for the institution

An institution for your records — not a product for your screen.

What is captured· what is maintained· who acts
I
Article· I
Valoren organises the records that govern an adult life.

01FinanceAccounts· policies· investments· liabilities
02IdentityBirth· marriage· qualifications· ID numbers
03PropertyDeeds· leases· vehicles· valuables
04MedicalRecords· directives· proxies· prescriptions
05SuccessionWill· executors· beneficiaries· trusts
06ProtocolsWhat activates· who acts· in what order
Article I· Valoren CharterStandard Index Group
II
Article· II
Built once. Kept current through annual review and a quiet quarterly check.

Ready for the people you have nominated to act on it.

01Annual reviewFull reconciliation each February
02Quarterly checkRenewals· counterparty health· expiry
03Nominated to actTrusted Persons verified· briefed· tested
Article II· Valoren CharterStandard Index Group

The substance, in order. Drawn once. Kept current.

0
Thirty-three records. Across the substance, the registries, the secure layer, and the protocols that follow.
What Valoren prepares

A will is one document. Life needs more than one route.

Valoren prepares the record, the people, and the handover layer around the documents your household already depends on.

You do not build a different file for every crisis. You build one household dossier that can produce the right brief, form route, or handover when it is needed.

For households with trusts, overseas assets, business interests, or complex family arrangements, preparation is the starting point. Signum carries the reviewed route where a professional is needed.

What Valoren prepares

Real documents. Prepared in advance.

Prepared by Valoren, in the institutional register your family would need them in. Composed in advance, ready when needed.

The 48-Hour Letter
Plain instructions for the first 48 hours after a death.
The Executor Pack
Everything an executor needs, in the right order.
The Annual Governance Letter
Your record of what's been kept current this year.
The Solicitor Brief
A structured handover so your solicitor doesn't have to ask.
The Tell Us Once Script
The DWP notification, prepared.
The Emergency Medical Card
What paramedics or ICU need in the first hour.
Form Help
Plain-English help filling the UK government forms most adults need.

One file. Thirteen household events.
The right brief when it is needed.

DeathIncapacityIllness & diagnosisAbsenceRelocationProperty purchaseDivorce & separationLPA setupWriting a willHaving childrenRetirementBusiness changeReceiving an inheritance

Not just estate planning. Every moment that changes a household.

Not storage.
Not a document.
Not a checklist.
Not a platform.
Not a snapshot.

Storage keeps files.

A document says who gets what.

A checklist tells you what to do.

A platform collects data.

Every other service produces a point-in-time snapshot of your life.

Valoren prepares people.

Valoren prepares the will itself — and everything a will assumes exists around it.

Valoren connects records, people, and the right document.

Valoren produces prepared outputs.

Valoren produces a live record of it.

Not storage.

Storage keeps files.

Valoren prepares people.

Not a document.

A document says who gets what.

Valoren prepares the will itself — and everything a will assumes exists around it.

Not a checklist.

A checklist tells you what to do.

Valoren connects records, people, and the right document.

Not a platform.

A platform collects data.

Valoren produces prepared outputs.

Not a snapshot.

Every other service produces a point-in-time snapshot of your life.

Valoren produces a live record of it.

01The first moment

The methodical first sitting.

About ten minutes, from memory. The structure is given. The order is given.

Most people delay this work because it feels enormous. With Valoren it isn't.

You begin with the basics — the people who matter most and where the important things are kept. The prompts are written for an adult, not a beginner.

Typical sitting· about 10 minutes
02The everyday

It updates because life does.

Annual review. Quiet quarterly check. The system stays accurate.

Lives change — houses move, accounts open and close, attorneys are appointed and replaced.

Valoren keeps pace with expiry alerts on the registers that matter. The system isn't a snapshot of who you were. It's a record of who you are now.

Cadence· Annual· Quarterly· On-event
03The hardest day

The day everything else stops.

One place. One protocol. The right answer first.

When something happens, the people closest to you should not be opening drawers and guessing.

Your Trusted Person opens one place, follows one protocol, and finds what they need in the order they need it.

The First 48 Hours is composed for them — not for the system, not for the bank. For them.

Composed in advance· Read under pressure
Free walkthroughs

The form asks for facts. Valoren keeps the facts ready.

41 government forms — probate, IHT, Tell Us Once, DWP, DVLA, Land Registry — explained field by field, for free. No card. No gate. If you have a household dossier, Valoren can pre-fill the fields you already answered.

Browse all 41 form walkthroughs →
How Valoren works with you

Start free. Pay only for what you need, when you need it.

Free · no card

Start here

  • First Sitting — about 10 minutes
  • 41 government form walkthroughs
  • Free library · guides · tools
£0
No obligation · no card
Begin your first sitting →
One-off · no subscription

A document for today

  • Estate Readiness Audit — £79
  • Executor's First Hour — £179
from £79
Yours forever · no renewal
See one-off products →
Annual · full system

The household dossier

  • The Standard — £195, renews at £99/yr
  • Seal — £495, renews at £199/yr
from £195
£99/yr from year two · cancel any time
View the full system →
Signum · done for you

We build it for you

  • Your records built by a specialist
  • One dedicated session; fully prepared
  • For households who want expert delivery
Quoted by Signum
Via Signum · application
Visit Signum →
The Trusted Persons

The person you choose. The role they hold. The protocol that protects them — and you.

A Trusted Person is the one nominated adult who acts when you cannot. They are given a single, time-bounded route into a curated view — not your whole portal, only what you have chosen to share.

Before the moment comes, they see what you have agreed to share in advance. After the moment, the protocol gives them the right answer first, the next answer second.

It is the architecture that keeps the people you trust from having to become detectives.

Two states· One protocol
Article I· Before the moment

A scoped preview.

You nominate a Trusted Person and choose what they may see in advance — only that. They preview what you have agreed to share. They cannot edit. They cannot reveal. They leave no trace.

Preview only· No edit· No reveal
Article II· After the moment

The right answer, first.

When the moment comes, the protocol activates. Your Trusted Person receives, in order, the answer they need first — then the next answer, and the next. Scoped access only; never the whole portal.

Scoped· Audited· Reversible
Audited· Time-bounded· Reversible
Read the Trusted Persons Protocol →
See what your Trusted Person encounters if you die tonight →
● The handoverWho receives· what is ready· what they can do

When someone steps in, this is what's ready for them.

It is not only family who receive.

Whoever steps in — the trusted person you nominated, the executor who administers your estate, and the professionals you have arranged to hand specific tasks to, a solicitor or an accountant — opens prepared work, not a pile of paper to decode.

Each brief carries the facts it needs and the next action already set out, so the person holding it can act, not investigate.

Your family will know what to do.

See what a family handover kit contains →
First page of the Executor's First Hour pack, prepared for a named executor.
One example: the Executor's First Hour, sequenced so the first call is the right call — not a guess made under pressure.
The person you nominatedTrusted Persons
Day-1 Registration Brief. Walk into the register office with every fact the registrar asks for already answered.
Operating Brief. See where the records live, who to contact, and what comes next — in the right order.
Funeral Wishes Worksheet. Know the wishes that were set down — burial or cremation, the readings, the donations — without having to guess.
The executor who administersExecutor
Executor's First Hour. Follow the first-hour sequence — register, secure, locate the will, notify in one pass.
Banking Verification Sheet. Be routed to the record that answers each bank security question on the call — the answers stay sealed, never carried.
Tell Us Once Companion. Notify most government departments in one structured pass, every field already prepared.
The professionals you arrangedSolicitor· Accountant
Solicitor Briefing Pack. Hand the solicitor a complete picture on day one — no discovery meeting billed to find the basics.
IHT402 / Nil-Rate Band Walkthrough. Give the accountant the prepared draft to claim a late spouse's unused allowance.
Whoever reaches a hospital firstMedical
Emergency Medical Card. Hand a clinician the GP, the NHS number, the medications and the directives that matter — at the moment they matter.
Each brief is kept current as your records change, and surfaced to the right person at the moment it is needed — not before.
● On recordInstitution· standard· jurisdiction· boundary

Valoren is not a software product. It is an institution that uses software to do its work.

Prepared, kept current and released when the time is right. Operated by Standard Index Group — currently in formation in England & Wales, handling all personal data under UK GDPR. Valoren holds no client funds. Gives no regulated advice.

Built for individuals and families resident in England and Wales who want their records held in one disciplined place. Not a substitute for complex offshore tax structuring, contested probate, or trust litigation — those belong with a solicitor or chartered tax adviser, and Valoren refers when the boundary is reached.

Operating entity
Standard Index Group
Status
In formation
Data protection
UK GDPR
Service area
England & Wales
Free institutional library

Free institutional guides, here when you need them.

Bereavement, probate, capacity, records, digital estate — every moment that matters has a guide in the library, free to read and download. No card, no gate.

Browse the full library →
Why this matters now

The law changes. The household still needs a record.

Family law, pensions and inheritance rules are changing. But the practical problem remains the same: when someone has to step in, they still need to know what exists, where it is, who has authority, and what has already been decided.

Cohabiting couples

The government is consulting on stronger rights for unmarried partners. Whatever the law becomes, the first question for a partner is still practical: where are the records, who is named, and what route exists?

A partner may gain rights later. They still need a route on the day.

Read the briefing
Pensions and inheritance tax

From April 2027, many unused pension funds may come within the estate for inheritance tax. That makes pension records, nominations and estate summaries harder to ignore.

A pension is not just a balance. It is a record, a nomination, a scheme, and a route.

Read the briefing

Valoren sits in the gap between what the law allows and what a family can actually find.

Check what your household record would need

By the time anyone reads the will, the hard work is already done.

● Closing — begin the work
No one will ever have to search for your life.

Begin where you are.

Walk through the essential questions at your own pace — about ten minutes. We'll structure everything your family would need. No email, no card required.

A will says what you want. It doesn't show anyone how to do it.

● 33 record types · ~10 min● Free· no card● Anonymous· on your device● No follow-up marketing