How Valoren works

You prepare it once.
They receive it ready.

One sitting of about 25 minutes starts it. From then on, everything a family needs — the records, the will, the letters, the instructions — is prepared, kept current, and released when the time is right.

Start free — no account, no card See the whole price list

The documents exist. The system around them doesn't.

The family file

If something happened tonight, this is what your family finds.

prepared · kept current · released when it's time

The will — signed, registered, watched

The letter that tells them where everything is

Every notification letter — drafted and addressed

The executor's brief — what to do, in what order

Sealed messages — held until it's time

…and everything else a household turns out to need — kept current, year after year.

See everything your family would receive

§1

Start at the end: the day someone has to step in.

This is what the person you trust actually receives. Everything else on this page exists so that this moment works.

The message

One message arrives, from you — prepared long before.

The email a trusted person receives: one sign-in link, no password, no account to create.

One link

It opens to a single page. No account. No password. No searching.

The one-screen handover view a trusted person opens — everything prepared for them, in one place.

The gate

A calm, considered step before anything opens — nothing here happens by accident.

The confirmation gate a trusted person passes before anything is released.

What unseals

The first-day brief. The letters, drafted and addressed. The order to do things in. They act, not investigate.

First page of Valoren's drafted notification letters.

Every letter, drafted

Who to call, first

First page of the Executor's First Hour pack, prepared for a named executor.

What to do, in what order

If something happened tonight, this is the difference between a household that knows what to do — and one that has to work it out in the worst week of its life.

§2

Your part: one quiet sitting.

About 25 minutes, one question at a time. No forms, no jargon, no homework before you start.

Answer as much or as little as you like. Anything you tell us once is never asked again — every later document draws on the same answers. If a question doesn't change what you receive, it isn't asked.

A Valoren guided sitting: one question on the dark stage, with the companion record beside it. — The sitting — each answer recorded into your household dossier as you go.

A Valoren assessment result: a plain-word band, never a numeric score. — You always see where you stand — in plain words, never a score.

Two ways in: getting organised ahead of time, or someone needs you right now — the questions, the pace and the tone are different for each.

§3

What exists when you're done.

A household dossier — 33 records across the people, the money, the property, the paperwork and the wishes — and the documents prepared from it.

The Valoren portal: the household records in one place. — Every record in one place — yours to read, correct and print at any time.

Notification Lettersready to send

Executor's First Hourprepared & personalised

First page of The Household Continuity Dossier's Annual Intelligence Report.

Annual Intelligence Reportkept current

First page of the Family Handover Kit checklist.

Handover Checkliststep by step

every cover is the real first page · straight from the document itself

See the whole library

Everything prints at home today. A posted pack is a planned optional upgrade — when it ships, it will say so here.

§4

Some words shouldn't arrive early.

Alongside the paperwork, you can leave sealed messages — to your husband, your daughter, the friend who'll hold things together. Written now. Read only when it's time.

recorded 2 November 2024·held sealed·released 14 March 2026

First page of a Letter of Wishes document.

The page a trusted recipient opens when a sealed Valoren message is released to them.

Held sealed

Held sealed with your records — released through the same gate as everything else, never before.

Not sure what to say? Ask the advisor and it drafts three versions to choose from — built only from what you've told it, never an invented memory. Take the one that sounds most like you, and change every word until it's yours.

The Valoren Advisor drawer showing drafted sealed-message versions, each with a Use-this-one action — picked, edited and kept in the customer's own words. — Three versions, one tap — picked, edited, and kept in your own words.

What happens, when

What Valoren does when something happens.

First 72 hours

The papers at Location A

Someone you choose can step in when it matters.

Printed at home and kept at Location A: Death & Estate Activation (E-01) — the household's own first-days pack, written calmly and long in advance.

01People, Authority & Contacts (R-03)

02Designated Places (R-04)

03The executor's brief

04The letters, already drafted

The details are settled inside, once you're set up — long before anyone has to read a word of it.

First week

Composed documents arrive

Documents composed from your records. Yours. Not generic.

The 48-Hour Letter, Emergency Medical Card, Bereavement Response Kit, and Executor's Pack — composed from your existing records, delivered to the right person at the right moment.

0148-Hour Letter

02Emergency Medical Card

03Bereavement Response Kit

04Executor's Pack

Each document carries a verification footer.
Banks and registrars recognise the institutional register and act faster.

III

Year 2 onwards

Annual review ritual

The system shows its receipts. A document, not a ping.

Each February, your Annual Governance Letter is ready in your portal — a printed reconciliation, to keep on file, of what changed, what expired, what was renewed. Seal customers also get a video call with their Specialist.

01Governance Letter ready

02Trusted Persons verified

03Counterparties checked

04Renewals reconciled

Quiet maintenance, never intrusive.
The Specialist call is optional — the letter is the constant.

The Valoren Advisor

Help that doesn't make you leave the page.

The answer lives beside the question. Ask in plain English; the advisor reads documents, drafts letters and messages, explains any form by name — IHT400, PA1P, BD8 — and knows your records, so its answers are about your household, not households in general.

Available at every tier from The Household Continuity Dossier upwards.

Conversations are encrypted, retained for thirty days for audit, then deleted. Your records are never used to train models.

Boundary · §V.2

Where the Advisor stops.

The line · drawn

DOES

Reads documents you upload

Pre-fills records from extracted data

Explains UK rules clearly

Drafts text for your review

Cites the source of every factual claim

DOES NOT

Give regulated financial advice

Give legal advice

Give tax recommendations

Make investment decisions

Roam the open internet

Valoren · Advisor CharterWhere a situation crosses into regulated territory, it says so plainly and prepares what the professional will need. When a specialist steps in, they work from everything already prepared — you're not paying for reconstruction.

Valoren Advisor

Estate Planning · England & Wales

Examples

You could ask

Read this pension letter and fill my Policy Index from it.Document

What does the April 2027 pension change actually do?Policy

My trusted person has moved to Edinburgh — what needs updating?People

Turn what I've recorded into the letter my family would need first.Drafting

Which of the 33 records matter most for a family like mine?Strategy

How long is LPA registration with the OPG taking at the moment?Timing

Six illustrative questions — the kind your Advisor handles. Every answer is cited; every draft is yours to review before it joins your records.

The architecture

Built so no one — including us — holds it all.

Your records live in one place; the keys live in another. Release runs through named people, confirmation gates and recorded windows — never a single click, never a single person.

ALocation A

Documents & protocols

The substance — and what to do with it.

Your records, ready to print.

The Master Registry, your records, and the protocols that follow them — a posted pack (Welcome wallet or cloth-bound binder) is a planned optional upgrade.

●Personal series · 15 records

●Registry series · 4 records

●Event protocols · 10 records

Air

gap

BLocation B

Credentials only

The keys — kept apart from the locks.

The sealed Secure series.

Stored apart — safety deposit box, fireproof safe, separate locked container. Never co-located with Location A.

●S-01 · Access Controls

●S-02 · Recovery Routes

●S-03 · Custody & Contingency

A single point of failure cannot defeat the system — the records and the credentials never share a roof.

Your records belong to you.

If you cancel, you have 90 days to export everything before it is deleted. You are never locked in.

The calm first-steps screen for a family dealing with a death right now. — Arriving in a crisis, not planning ahead? There's a calmer door for that — first steps, in order, nothing else.

The annual ritual

A record that goes stale is a record that fails.

Life drifts — accounts change, thresholds move, the law rewrites itself. Valoren watches the figures that matter (April 2027's pension change among them) and your annual review keeps the dossier describing the household you actually have.

24 / 7 / 365

Continuous

Always watching

UK law-change alerts (DMCCA, IHT thresholds, LPA process); expiry flags on every passport, policy, MOT, LPA registration; counterparty health checks for bank rebrands, insurer transfers, pension administrator changes.

UK law-change alerts

Expiry tracking

Counterparty health

Once a year · February

Annual

The governance ritual

The Annual Governance Letter posts in February — a printed reconciliation of what changed, what expired, what was renewed. Trusted Persons verification renews. Portal updates ship without breaking existing records.

Annual Governance Letter

Trusted Persons verification

Portal updates

Triggered · irregular

On-event

When life moves

Marriage, separation, new child, house move, new dependent, business sale, bereavement — surfaces what records and prepared documents need updating, in what order, with what professional briefs assembled.

Life-event checks

Cross-record prompts

Professional pack updates

THE YEARLY LOOK

The annual review — what's resolved, what's still open, what changed this year.

The quiet check-in email Valoren sends when a record has not changed in six months.

WE CHECK IN

A quiet check twice a year. If nothing's changed, you say so in one click.

Your records are always yours to export — leaving is one click, no exit interview. Renewal keeps the system awake; export only preserves the paper.

§5

The whole price, before you start.

Nothing is added at the end, and nothing is ever a percentage of your estate. Renewals shown up front, always.

Main door

The Household Continuity Dossier

£195 first year, then £99/yr. The full dossier, the advisor, the annual review — and a straightforward will included.

Start with the free sitting

Secondary door

Need one thing, today?

The Executor's First Hour — £179, prepared and delivered within 12 hours. Or a will on its own — single £149, mirror £229, first year of Will Watch included.

Executor's First Hour Start a will

Estate Readiness Audit £79 · Caring for a Parent £79 · The Estate Standard Seal £495 first year, then £199/yr · every price on one page

FAQ

How it works — questions, answered.

Yes. For most households the will is prepared directly through Valoren — a straightforward will is included in The Household Continuity Dossier, or on its own from £149.

The system already holds who you are, what you own and who needs protecting, so the will follows from your records rather than a blank form.

Where the situation is genuinely complex — blended families, business interests, overseas assets — a specialist steps in, with everything already prepared.

In many cases the appointment isn't needed at all.

When it is, you arrive with everything prepared — the records, the figures, the questions — so the professional advises instead of searching.

The person you named receives one link. No account, no password.

A confirmation gate checks the release is real, then everything unseals in order: the first-day brief, the letters, your messages. They act, not investigate.

Your records are yours — export everything, one click, no exit interview.

What stops is the living part: the watching, the reviews, the advisor, the release machinery standing ready.

The first sitting is about 25 minutes.

There's no deadline and nothing to finish in one go — the dossier grows whenever you have ten minutes for it.

The design assumption is that no single person, page or password should unlock everything.

Records and access routes are kept apart, release runs through named people and recorded gates, and printed copies live where you keep them — not with us.

The Valoren Principles

Seven commitments about your time, your money, and your patience.

Never ask twice. Anything you tell us once becomes part of your household's record. Everything after that draws on it.

Every question earns its place. If a question doesn't change what you receive, we don't ask it.

The price you see is the whole price. Every price is shown before you start — renewals included. Nothing is added at the end, and nothing is ever a percentage of your estate.

The answer lives beside the question. Help that makes you leave the page isn't help.

We tell you when it isn't for us. Some situations need a regulated professional. When yours does, we say so — and hand over everything already prepared.

Speed is respect. Much of this paperwork lands on people in the worst weeks of their lives. Waiting is a cost, so we treat it like one.

Yours, not ours. Your record belongs to your household. Print it, hand it to your solicitor, or take it and leave.

Read the principles in full

Twenty-five minutes now. A household that knows what to do, for good.

Start free →Every price, one page →

● All 33 records● Trusted Persons Protocol● 14-day refund● UK · England & Wales

You prepare it once.
They receive it ready.

Start at the end: the day someone has to step in.

Your part: one quiet sitting.

What exists when you're done.

Some words shouldn't arrive early.

What Valoren does when something happens.

The papers at Location A

Composed documents arrive

Annual review ritual

Help that doesn't make you leave the page.

Where the Advisor stops.

Built so no one — including us — holds it all.

Documents & protocols

Credentials only

A record that goes stale is a record that fails.

Continuous

Annual

On-event

The whole price, before you start.

The Household Continuity Dossier

Need one thing, today?

How it works — questions, answered.

Seven commitments about your time, your money, and your patience.

Twenty-five minutes now. A household that knows what to do, for good.

If this was useful, you might also need —

The 33 records

Estate Readiness Quiz

Letters

Tiers & pricing

You prepare it once.They receive it ready.

Start at the end: the day someone has to step in.

Your part: one quiet sitting.

What exists when you're done.

Some words shouldn't arrive early.

What Valoren does when something happens.

The papers at Location A

Composed documents arrive

Annual review ritual

Help that doesn't make you leave the page.

Where the Advisor stops.

Built so no one — including us — holds it all.

Documents & protocols

Credentials only

A record that goes stale is a record that fails.

Continuous

Annual

On-event

The whole price, before you start.

The Household Continuity Dossier

Need one thing, today?

How it works — questions, answered.

Seven commitments about your time, your money, and your patience.

Twenty-five minutes now. A household that knows what to do, for good.

If this was useful, you might also need —

The 33 records

Estate Readiness Quiz

Letters

Tiers & pricing

You prepare it once.
They receive it ready.