{"id":23822,"date":"2026-02-19T16:12:53","date_gmt":"2026-02-19T16:12:53","guid":{"rendered":"https:\/\/valoraestate.com\/during-your-lifetime\/"},"modified":"2026-03-05T16:43:44","modified_gmt":"2026-03-05T16:43:44","slug":"during-your-lifetime","status":"publish","type":"page","link":"https:\/\/valoraestate.com\/en\/during-your-lifetime\/","title":{"rendered":"During your lifetime"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"23822\" class=\"elementor elementor-23822 elementor-22934\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-59988ee0 elementor-section-full_width elementor-section-content-middle elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"59988ee0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-50936203 sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"50936203\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-693708d5 elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"693708d5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3c0fc6d7 sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"3c0fc6d7\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7aa2f11a sc_fly_static elementor-widget elementor-widget-spacer\" data-id=\"7aa2f11a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2c94c1bf sc_content_align_center sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"2c94c1bf\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75ffd23e sc_fly_static elementor-widget elementor-widget-spacer\" data-id=\"75ffd23e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-70374fc7 sc_inner_width_1_2 sc-mobile_inner_width_none sc-tablet_inner_width_2_3 sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"70374fc7\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-480851b sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"480851b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Lifetime estate file: bring order, clarity, and traceability \u2014 before it becomes urgent.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-539b992 sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"539b992\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3D85b6f11ce1187566\"><p class=\"western\" lang=\"fr-CA\">VALORA structures an <b>executable<\/b> 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. <\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7179de7 sc_fly_static elementor-widget elementor-widget-button\" data-id=\"7179de7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/valoraestate.com\/en\/contact-request-a-quote\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start my estate file<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c124229 elementor-align-left sc_fly_static elementor-widget elementor-widget-button\" data-id=\"c124229\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/valoraestate.com\/en\/what-you-receive\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See \"What you receive\"<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7d54783c elementor-section-full_width hide_bg_image_on_mobile elementor-section-height-default elementor-section-height-default sc_gradient_animation_none sc_fly_static\" data-id=\"7d54783c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5bbd1b3c sc_layouts_column_align_left sc_layouts_column sc-tablet_layouts_column_align_center sc_layouts_column sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"5bbd1b3c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div data-animation-type=\"block\" class=\"elementor-element elementor-element-61f5758d animation_type_block sc_fly_static elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"61f5758d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;liability-fadeinup&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">WHY DO IT NOW?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2ab33abb sc_layouts_column_align_right sc_layouts_column sc-mobile_layouts_column_align_center sc_layouts_column sc-tablet_layouts_column_align_center sc_layouts_column sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"2ab33abb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-35aec668 elementor-section-content-bottom elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"35aec668\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2d7a79d6 sc_layouts_column_align_left sc_layouts_column sc-tablet_layouts_column_align_center sc_layouts_column sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"2d7a79d6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div data-animation-type=\"block\" class=\"elementor-element elementor-element-5ddb9d0e animation_type_block sc_fly_static elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"5ddb9d0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;liability-fadeinup&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3Dca6e791f84bfff59\"><p class=\"western\" lang=\"fr-CA\"><strong>Because a &#8220;clear file&#8221; is worth more than a good intention.<\/strong><br><strong>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.<\/strong><\/p><p class=\"western\" lang=\"fr-CA\"><strong>Concrete benefits<\/strong><\/p><ul><li><p class=\"western\" lang=\"fr-CA\"><strong>Fewer back-and-forth exchanges, fewer oversights, and fewer urgent decisions<\/strong><\/p><\/li><li><p class=\"western\" lang=\"fr-CA\"><strong>Less friction between loved ones: centralized access rules and information<\/strong><\/p><\/li><li><p class=\"western\" lang=\"fr-CA\"><strong>A smoother post-death future (or management in case of incapacity), because the foundation is already prepared<\/strong><\/p><\/li><\/ul><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-85b2140 sc-tablet_layouts_column_align_center sc_layouts_column sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"85b2140\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-683f26f8 elementor-section-content-middle scheme_dark elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"683f26f8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-55f22a72 sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"55f22a72\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d6d96b sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"9d6d96b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What you receive: a structured and actionable estate file<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10101f8d sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"10101f8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3Dca6e791f84bfff59\"><p class=\"western\" lang=\"fr-CA\"><b>1) Estate inventory (exportable)<\/b><\/p><p class=\"western\" lang=\"fr-CA\">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.<\/p><p class=\"western\" lang=\"fr-CA\"><b>2) Documentary index (where everything is, and why)<\/b><\/p><p class=\"western\" lang=\"fr-CA\">An index of important documents (paper \/ digital format), including:<\/p><ul><li><p class=\"western\" lang=\"fr-CA\">location \/ access<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">context (what it is for)<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">who to contact (institution \/ professional)<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">&#8220;next action&#8221; if applicable<\/p><\/li><\/ul><p class=\"western\" lang=\"fr-CA\"><b>3) Access and key register<\/b><\/p><p class=\"western\" lang=\"fr-CA\">A clear register of access (physical and logical):<\/p><ul><li><p class=\"western\" lang=\"fr-CA\">keys and authorized holders<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">update rules<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">instructions for transmission &#8220;at the appropriate time&#8221;<\/p><\/li><\/ul><p class=\"western\" lang=\"fr-CA\"><b>4) &#8220;Operational&#8221; contact list<\/b><\/p><p class=\"western\" lang=\"fr-CA\">Professionals and points of contact (notaries, lawyers, accountants, institutions, insurers, property management, etc.), structured to be actionable.<\/p><p class=\"western\" lang=\"fr-CA\"><b>5) Indicative simulation of distribution and liquidation after death<\/b><\/p><p class=\"western\" lang=\"fr-CA\">Visualization of scenarios based on available information: debts, liquidity, assumptions regarding sales, and decisions to be made. The result serves to clarify and prioritize \u2014 it does not constitute an official distribution or a tax or legal validation, but it allows you to evaluate scenarios. <\/p><p class=\"western\" lang=\"fr-CA\"><b>6) Update plan<\/b><\/p><p class=\"western\" lang=\"fr-CA\">A simple method (annual \/ semi-annual) with triggers (purchase \/ sale, new accounts, change of institution, moving, etc.).<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-269a5bb1 e-flex e-con-boxed sc_layouts_column_icons_position_left e-con e-parent\" data-id=\"269a5bb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6d65db sc_fly_static elementor-widget elementor-widget-button\" data-id=\"d6d65db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/valoraestate.com\/en\/contact-request-a-quote\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-43365dd2 sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"43365dd2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-360e002d elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"360e002d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-204c147c sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"204c147c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77cf03f9 no-title sc_fly_static elementor-widget elementor-widget-image\" data-id=\"77cf03f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/valoraestate.com\/wp-content\/uploads\/elementor\/thumbs\/krakenimages-Y5bvRlcCx8k-unsplash-scaled-rjo18y1q5rwhachkmq7rtilj5lpgmitcl6jq0e426u.jpg\" title=\"krakenimages-Y5bvRlcCx8k-unsplash\" alt=\"krakenimages-Y5bvRlcCx8k-unsplash\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-293879b6 sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"293879b6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34d8a715 no-title sc_fly_static elementor-widget elementor-widget-image\" data-id=\"34d8a715\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/valoraestate.com\/wp-content\/uploads\/elementor\/thumbs\/marissa-grootes-ck0i9Dnjtj0-unsplash-scaled-rjo187q9an2b9fzk1doas0f4kb13p3brvd26t1naee.jpg\" title=\"marissa-grootes-ck0i9Dnjtj0-unsplash\" alt=\"marissa-grootes-ck0i9Dnjtj0-unsplash\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b2441dc elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_gradient_animation_none sc_fly_static\" data-id=\"5b2441dc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7355d95d sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"7355d95d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7cf35660 elementor-widget__width-auto no-title sc_fly_static elementor-widget elementor-widget-image\" data-id=\"7cf35660\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/valoraestate.com\/wp-content\/uploads\/elementor\/thumbs\/jason-dent-3wPJxh-piRw-unsplash-scaled-rjo1btfzhs04kd7kyndklran3u05unkxvsngpeiec4.jpg\" title=\"jason-dent-3wPJxh-piRw-unsplash\" alt=\"jason-dent-3wPJxh-piRw-unsplash\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\"><\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-42928532 sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"42928532\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ed06c3 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"7ed06c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Sensitive data: confidentiality and controlled access<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-429ba9bd sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"429ba9bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3Dca6e791f84bfff59\"><p class=\"western\" lang=\"fr-CA\">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. <\/p><p class=\"western\" lang=\"fr-CA\"><b>Key points (factual)<\/b><\/p><ul><li><p class=\"western\" lang=\"fr-CA\">Access limited as needed (principle of necessity)<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">Governance of providers and tools (contractual framework)<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">Privacy incident management process (register and documentation)<\/p><\/li><\/ul><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1655a91 sc_fly_static elementor-widget elementor-widget-button\" data-id=\"1655a91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/valoraestate.com\/en\/security-and-privacy\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See our \"Security &amp; Privacy\" page<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ef8c417 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"6ef8c417\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4d800acb sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"4d800acb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28268ae sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"28268ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Who is this service best suited for?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69ee05a sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"69ee05a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3D7093c0da5bced0b9\"><ul><li><p class=\"western\" lang=\"fr-CA\">You want to prevent your loved ones from improvising in an emergency<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">You have multiple accounts\/institutions\/assets or scattered documents<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">You wish to define transmission rules (who receives what, when, and how)<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">You want a simple, realistic, and executable update plan<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">You are in a blended family situation<\/p><\/li><li><p class=\"western\" lang=\"fr-CA\">You are an entrepreneur<\/p><\/li><\/ul><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5d85e033 sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"5d85e033\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3085ba0 e-flex e-con-boxed sc_layouts_column_icons_position_left e-con e-parent\" data-id=\"3085ba0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d8796c sc_fly_static elementor-widget elementor-widget-image\" data-id=\"0d8796c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"684\" height=\"1024\" src=\"https:\/\/valoraestate.com\/wp-content\/uploads\/2026\/02\/ryoji-iwata-X53e51WfjlE-unsplash-684x1024.jpg\" class=\"attachment-large size-large wp-image-23827\" alt=\"\" srcset=\"https:\/\/valoraestate.com\/wp-content\/uploads\/2026\/02\/ryoji-iwata-X53e51WfjlE-unsplash-684x1024.jpg 684w, https:\/\/valoraestate.com\/wp-content\/uploads\/2026\/02\/ryoji-iwata-X53e51WfjlE-unsplash-200x300.jpg 200w, https:\/\/valoraestate.com\/wp-content\/uploads\/2026\/02\/ryoji-iwata-X53e51WfjlE-unsplash-768x1150.jpg 768w, https:\/\/valoraestate.com\/wp-content\/uploads\/2026\/02\/ryoji-iwata-X53e51WfjlE-unsplash-1025x1536.jpg 1025w, https:\/\/valoraestate.com\/wp-content\/uploads\/2026\/02\/ryoji-iwata-X53e51WfjlE-unsplash-1367x2048.jpg 1367w, https:\/\/valoraestate.com\/wp-content\/uploads\/2026\/02\/ryoji-iwata-X53e51WfjlE-unsplash-370x554.jpg 370w, https:\/\/valoraestate.com\/wp-content\/uploads\/2026\/02\/ryoji-iwata-X53e51WfjlE-unsplash-840x1258.jpg 840w, https:\/\/valoraestate.com\/wp-content\/uploads\/2026\/02\/ryoji-iwata-X53e51WfjlE-unsplash-410x614.jpg 410w, https:\/\/valoraestate.com\/wp-content\/uploads\/2026\/02\/ryoji-iwata-X53e51WfjlE-unsplash-scaled.jpg 1709w\" sizes=\"(max-width: 684px) 100vw, 684px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-76f9b793 elementor-section-content-middle scheme_dark elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_gradient_animation_none sc_fly_static\" data-id=\"76f9b793\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4211674c sc_layouts_column_align_left sc_layouts_column sc-mobile_layouts_column_align_center sc_layouts_column sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"4211674c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-372f55e sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"372f55e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Important: what VALORA does (and does not do)<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ea2cbdd sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"1ea2cbdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3D7093c0da5bced0b9\"><ul><li><p class=\"western\" lang=\"fr-CA\"><strong>The lifetime estate file is a service for organization, structuring, and coordination.<\/strong><\/p><\/li><li><p class=\"western\" lang=\"fr-CA\"><strong>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.<\/strong><\/p><\/li><\/ul><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4bf99efd elementor-section-stretched elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_gradient_animation_none sc_fly_static\" data-id=\"4bf99efd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5e94d430 sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"5e94d430\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d65d609 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"d65d609\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-120838cc sc_fly_static elementor-widget elementor-widget-toggle\" data-id=\"120838cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h5 id=\"elementor-tab-title-3021\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-3021\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Is it useful even if I don't have all my documents?<\/a>\n\t\t\t\t\t<\/h5>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3021\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-3021\"><div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3D7093c0da5bced0b9\">\n<p class=\"western\" lang=\"fr-CA\">Yes. Part of the value lies in identifying what is missing and structuring a prioritized action list. <\/p>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h5 id=\"elementor-tab-title-3022\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-3022\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Do you store my documents?<\/a>\n\t\t\t\t\t<\/h5>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3022\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-3022\"><div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3D7093c0da5bced0b9\">\n<p class=\"western\" lang=\"fr-CA\">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. <\/p>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h5 id=\"elementor-tab-title-3023\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-3023\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Does this replace a will or a protection mandate?<\/a>\n\t\t\t\t\t<\/h5>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3023\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-3023\"><div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3D7093c0da5bced0b9\">\n<p class=\"western\" lang=\"fr-CA\">No. The estate file organizes information and facilitates execution. Legal acts must follow specific forms and requirements (e.g., protection mandate).  <\/p>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h5 id=\"elementor-tab-title-3024\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-3024\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Who can receive the file?<\/a>\n\t\t\t\t\t<\/h5>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3024\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-3024\"><div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3D7093c0da5bced0b9\">\n<p class=\"western\" lang=\"fr-CA\">You define the authorized persons and the delivery protocol (when, how, to whom).<\/p>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h5 id=\"elementor-tab-title-3025\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-3025\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How often should it be updated?<\/a>\n\t\t\t\t\t<\/h5>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3025\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-3025\"><div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3D85c14d119e732534\">\n<p class=\"western\" lang=\"fr-CA\">In practice, an annual or semi-annual cycle works with triggers (purchase\/sale, new accounts, moving, change of institution).<\/p>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h5 id=\"elementor-tab-title-3026\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-3026\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How long does it take?<\/a>\n\t\t\t\t\t<\/h5>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3026\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-3026\"><div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3D85c14d119e732534\">\n<p class=\"western\" lang=\"fr-CA\">This depends on the volume and dispersion of the information. We work by milestones, providing a range based on assumptions. <\/p>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h5 id=\"elementor-tab-title-3027\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-3027\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Is it confidential?<\/a>\n\t\t\t\t\t<\/h5>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3027\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-3027\"><div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3D85c14d119e732534\">\n<p class=\"western\" lang=\"fr-CA\">Yes. The service involves sensitive personal information; our practices focus on minimization, access control, and traceability. <\/p>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h5 id=\"elementor-tab-title-3028\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-3028\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can I do only a portion (e.g., access register)?<\/a>\n\t\t\t\t\t<\/h5>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3028\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-3028\"><div id=\"meta-origin\" data-coolorigin=\"https%3A%2F%2Fnextcloud.governquest.com%2Fcool%2Fclipboard%3FWOPISrc%3Dhttps%253A%252F%252Fnextcloud.governquest.com%252Findex.php%252Fapps%252Frichdocuments%252Fwopi%252Ffiles%252F9403_oc356tzqd2wp%26ServerId%3Db0dc3ff0%26ViewId%3D4%26Tag%3D85c14d119e732534\">\n<p class=\"western\" lang=\"fr-CA\">Yes. The service is modular: inventory only, documentary index only, or a complete file. <\/p>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Lifetime estate file: bring order, clarity, and traceability \u2014 before it becomes urgent. VALORA structures an executable estate file: an inventory of your property, assets, and liabilities, a documentary index,&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-23822","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>During your lifetime - Valora<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/valoraestate.com\/en\/during-your-lifetime\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"During your lifetime - Valora\" \/>\n<meta property=\"og:description\" content=\"Lifetime estate file: bring order, clarity, and traceability \u2014 before it becomes urgent. 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