Professional plans: what it costs, what you see, and how to start

You have spent years building a plan with a client. Then something happens, and the family cannot find the will, does not know which accounts exist, has no idea what the insurance covers, and is not sure whether to phone you. The plan was sound. The operational layer underneath it was never written down.

Meravor is that layer. It records where things are and who to call, not the documents themselves. You give it to the families you serve; they own it from the first minute.

Why professionals use it

• Stay connected to the whole family. A record names the people who will one day have to act. Those people see who the family already trusts.
• Create an annual estate-readiness conversation that is concrete and easy to book: something has changed, or nothing has, and both are worth ten minutes.
• Help clients find the gaps early, while they are still cheap to fix, rather than at the worst possible moment.
• Practical value without giving advice. Meravor organizes information. It does not recommend, and neither does using it.

We make no claim about client retention, assets retained, or inherited relationships. Those depend on you, not on software.

What it costs

Sponsored households pay nothing. You give them the record; they own the account from the first minute, and it stays theirs whatever happens to the relationship with your practice.

Several professionals under one roof? That is a firm arrangement rather than a plan. See Meravor for organizations.

Prices in Canadian dollars, plus applicable tax.

Foresight, for the meeting

Add Foresight to a professional account for $199 a year. It shows a family whether their money lasts, what tax and probate would take and who ends up with what, then turns that into a printed list of questions sorted by who to ask, so a client arrives at your meeting prepared. It is an illustration under assumptions they choose, never advice. See how Foresight works.

Two ways families come aboard

• Sponsored access. Your plan covers the household. They pay nothing and are never asked for a card.
• Self-pay invitation. You invite; the family buys their own plan at the published family price.

What you see, and what you do not

• You see a planning view, not the private detail. Who is in the household, what kinds of assets exist and where they are held, and which gaps are open. Never beneficiaries, never documents, key contacts, reminders or the activity log.
• Reporting covers engagement and readiness gaps: invited, started, activated, successor named, annual review due, and the gaps the record itself surfaces, which name the person or asset each gap is about, plus any follow-up a family explicitly asks for.
• Default-deny access. A professional sees the planning view. Access locations, health details, digital accounts and final wishes are invisible unless that family grants each tier by name, and any grant can be withdrawn the same way.
• Two-step verification is mandatory for every professional account. There is no way to reach client data without it.
• Province-correct throughout: all thirteen provinces and territories, including Quebec's liquidator, protection mandate and notarial will.
• A printable Emergency Binder per family, in one click, that the family can hand to whoever has to act.

Where the data lives

Records are stored and processed in Canada, in Google Cloud's Montréal region. Sensitive free-text is encrypted at rest with AES-256-GCM at the field level, and passwords are stored only as salted PBKDF2-SHA256 hashes. A full data-residency and security attestation is available inside the professional dashboard, printable, for your own due diligence. Meravor holds no third-party security certification, and we will not imply one.

How to start

Professional plans are arranged directly, so the plan matches how your practice actually works. There is no signup form to guess your way through and no quote to negotiate. The prices above are the prices.

Questions advisors ask

Which professionals is this for?
Financial and wealth advisors, insurance and benefits advisors, accountants, estate lawyers, and other approved professional categories. If you are not sure whether your practice qualifies, ask us.

What happens to a client's record if they leave your practice?
Nothing. The family owns the account and always has. Sponsorship covers the cost; it does not confer ownership, and ending it does not delete anything.

Can we see everything in a client's record?
No, and not by default. A professional sees the planning view. Every sensitive tier is granted explicitly by the family, one at a time, and can be withdrawn the same way.

Is this a will, or advice?
Neither. Meravor is a record of where things are and who to call. It is not a will, it does not replace one, it is not estate administration, and it is not legal, tax, financial or insurance advice.

Does it store our clients' documents?
No. Meravor records where things are kept. It does not hold the documents themselves.

Does it work in Quebec?
Yes, in French and in English. Quebec terminology is used throughout: liquidator rather than executor, protection mandate, notarial wills, Directeur de l'état civil, Retraite Québec.

This page is general information about the service, not legal, tax, financial or insurance advice. Meravor is not a law firm. Meravor is operated by PureFox Holdings Ltd., a company registered in Alberta, Canada, at PO Box 88044, RPO Walden, Calgary, AB  T2X 4V6. Email reaches us directly at help@meravor.ca, and we answer within one business day.