Lifetime estate file: bring order, clarity and traceability — before it becomes urgent.
VALORA structures an actionable estate file: an inventory of your property, assets and liabilities, a document index, an access and key register, a simulation of the distribution and liquidation after death, and an update plan. The goal: to reduce chaos, oversights and grey areas when the time comes.
WHY DO IT NOW?
Because a “clear file” is worth more than good intentions.
Preparing a lifetime estate file spares your loved ones (or your mandatary or liquidator) weeks of searching for documents, accounts, contacts, access, keys, recurring obligations and critical information. You replace searching and improvisation with a structured, up-to-date file that can be handed over.
Concrete benefits
- Less back-and-forth, fewer oversights, fewer decisions made in a rush
- Less friction among loved ones: access rules and centralized information
- A smoother path after death (or in the event of incapacity), because the groundwork is already in place
What you receive: a structured, usable estate file
1) Estate inventory (exportable)
A structured inventory of the relevant categories (e.g. real estate, vehicles, accounts, insurance, investments, significant items, debts and recurring obligations), with the minimum information needed for follow-up.
2) Document index (what is where, and why)
An index of important documents (paper/digital), with:
- location / access
- context (what it is for)
- whom to contact (institution / professional)
- “next action” where applicable
3) Access and key register
A clear register of access (physical and digital):
- keys and authorized holders
- update rules
- instructions for handover “at the appropriate time”
4) “Operational” contact list
Professionals and points of contact (notaries, lawyers, accountants, institutions, insurers, property management, etc.), organized to be readily usable.
5) Indicative simulation of distribution and liquidation after death
A visualization of scenarios based on the available information: debts, liquidity, sale or no-sale assumptions, and decisions to be made. The result helps clarify and prioritize — it is neither an official distribution nor a tax or legal validation, but it allows you to assess scenarios.
6) Update plan
A simple method (annual/semi-annual) with triggers (purchase/sale, new accounts, change of institution, move, etc.).
Sensitive data: confidentiality and controlled access
An estate file contains highly sensitive personal information. VALORA applies a discipline of data minimization (collecting only what is necessary), access control and traceability of communications.
Key points (factual)
- Access limited to need (necessity principle)
- Governance of service providers and tools (contractual framework)
- Privacy incident management process (register and documentation)
Who is this service best suited for?
- You want to spare your loved ones from improvising in an emergency
- You have several accounts/institutions/assets or scattered documents
- You want to set rules for handover (who receives what, when, and how)
- You want a simple, realistic and actionable update plan
- You are part of a blended family
- You are an entrepreneur
Important: what VALORA does (and does not do)
- The lifetime estate file is an organization, structuring and coordination service.
- If you need legal instruments (e.g. a will or protection mandate), we can coordinate with a notary or lawyer, but formal requirements are governed by 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 based on the chosen solution. Access, sharing and retention terms must be defined and documented, with respect for confidentiality.
No. The estate file organizes information and makes execution easier. Legal instruments are subject to their own forms and requirements (e.g., a protection mandate).
You define the authorized people and the handover protocol (when, how, to whom).
In practice, an annual or semi-annual cycle works well, combined with triggers (purchase/sale, new accounts, a move, a change of institution).
It depends on the volume and how scattered the information is. We work by milestones, with 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, document index only, or the complete file.