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Lifetime estate file: bring order, clarity, and traceability — before it becomes urgent.

VALORA structures an executable estate file: an inventory of your property, assets, and liabilities, a documentary index, an access and key register, a simulation of distribution and liquidation after death, and an update plan. The goal: to reduce chaos, oversights, and gray areas when the time comes.

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WHY DO IT NOW?

Because a “clear file” is worth more than a good intention.
Preparing a lifetime estate file prevents your loved ones (or your mandatary or liquidator) from spending weeks searching for documents, accounts, contacts, access, keys, recurring obligations, and critical information. You replace searching and improvisation with a structured, updated, and transferable file.

Concrete benefits

  • Fewer back-and-forth exchanges, fewer oversights, and fewer urgent decisions

  • Less friction between loved ones: centralized access rules and information

  • A smoother post-death future (or management in case of incapacity), because the foundation is already prepared

What you receive: a structured and actionable estate file

1) Estate inventory (exportable)

A structured inventory of relevant categories (e.g., real estate, vehicles, accounts, insurance, investments, significant assets, debts, and recurring liabilities), with the minimum information useful for monitoring.

2) Documentary index (where everything is, and why)

An index of important documents (paper/digital format), including:

  • location / access

  • context (what it is for)

  • who to contact (institution / professional)

  • “next action” if applicable

3) Access and key register

A clear register of access (physical and logical):

  • keys and authorized holders

  • update rules

  • instructions for transmission “at the appropriate time”

4) “Operational” contact list

Professionals and points of contact (notaries, lawyers, accountants, institutions, insurers, property management, etc.), structured to be actionable.

5) Indicative simulation of distribution and liquidation after death

Visualization of scenarios based on available information: debts, liquidity, assumptions regarding sales, and decisions to be made. The result serves to clarify and prioritize — it does not constitute an official distribution or a tax or legal validation, but it allows you to evaluate scenarios.

6) Update plan

A simple method (annual/semi-annual) with triggers (purchase/sale, new accounts, change of institution, moving, etc.).

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Sensitive data: confidentiality and controlled access

An estate file contains highly sensitive personal information. VALORA applies a discipline of minimization (collecting only what is necessary), access control, and traceability of exchanges.

Key points (factual)

  • Access limited as needed (principle of necessity)

  • Governance of providers and tools (contractual framework)

  • Privacy incident management process (register and documentation)

See our "Security & Privacy" page

Who is this service best suited for?

  • You want to prevent your loved ones from improvising in an emergency

  • You have multiple accounts/institutions/assets or scattered documents

  • You wish to define transmission rules (who receives what, when, and how)

  • You want a simple, realistic, and executable update plan

  • You are in a blended family situation

  • You are an entrepreneur

Important: what VALORA does (and does not do)

  • The lifetime estate file is a service for organization, structuring, and coordination.

  • If you require legal acts (e.g., will, protection mandate), we can coordinate with a notary or lawyer, but formal requirements fall under the applicable law.

FAQ

Yes. Part of the value lies in identifying what is missing and structuring a prioritized action list.

We can structure an index and a document vault according to the chosen solution. Access, sharing, and retention procedures must be defined and documented, while respecting confidentiality.

No. The estate file organizes information and facilitates execution. Legal acts must follow specific forms and requirements (e.g., protection mandate).

You define the authorized persons and the delivery protocol (when, how, to whom).

In practice, an annual or semi-annual cycle works with triggers (purchase/sale, new accounts, moving, change of institution).

This depends on the volume and dispersion of the information. We work by milestones, providing a range based on assumptions.

Yes. The service involves sensitive personal information; our practices focus on minimization, access control, and traceability.

Yes. The service is modular: inventory only, documentary index only, or a complete file.