For financial advisers, planners and wealth managers
Support your clients through multiple generations.
Up to 70% of inherited assets leave the original adviser within a year of a client's death. Upon and Willow solve this: a secure vault your client builds with you while they're alive, and a bereavement admin platform that supports their family - and keeps you in the room - during a sensitive time.
~70%
of inherited assets leaves the original adviser within a year
~60 tasks
a UK family usually face after losing a loved one
9–14 months
typical time to close an estate - and a window to earn the next generation's trust
The client journey
Ease the admin burden, before and after death.
Clients securely save their accounts, passwords and other details today. When they die, their beneficiaries gain access, and can automatically notify and start closing accounts.
Planning while life is good
Introduced at onboarding or annual review
A private place for your clients to gather the full picture of their estate. Pensions, property, crypto, online accounts, passwords, instructions and the small things they'd hate their family to miss. A deliberate act of care, framed by you.
- A digital safe that complements the will and saves families hours hunting lost accounts
- End-to-end encrypted on your client's device, not even Upon can read what's inside
- The vault key is split between beneficiaries, several must come together after death to open it
A clear path through 'death admin'
Activated by you when notified of the death
When a client dies, the family turn to you. The estate can be mapped in Willow, so you can give the family a personalised checklist of what to do next. In the background, Willow handles the calls and forms to start closing accounts.
- Meet beneficiaries in a moment that matters, as the trusted firm their loved one chose
- You lead the relationship. Willow is the quiet engine handling calls, forms and follow-ups
- For firms already doing this informally, Willow can save you hours of paperwork
You stay in control
Your client. Your relationship.
This is an extension of your service, not a third party stepping in. We don't market to your clients, and we never approach the family without you. Every touchpoint runs through you.
You initiate everything
Support for the family only begins when you say so, and every invite goes out under your firm's name.
White-label option
Co-branded or fully white-labelled. Your logo, your contact details, your support for the family.
No cross-sell
We will never market other financial services or third parties to your clients or their beneficiaries.
Pricing
Retention-driven ROI.
Both products are billed to your firm. Absorb the cost inside your existing charges, include it within a premium tier, or pass it through transparently.
Per client, while alive
£5.99/ month
Billed monthly to your firm
Pass through to clients, absorb into your fees, or include within a premium tier. Volume discounts available.
Per estate, at the time of death
£599one-off
Billed to your firm when activated
Covered by the firm, not the family. Supporting the next generation at this time builds enduring trust.
Common questions
What advisers usually ask us.
Are these two separate products?
Upon and Willow are two independent companies that work hand in hand. With your client's permission, what they recorded in life flows seamlessly to the family at the moment it's needed.
Can I use just one?
Yes. Each works on its own, but they're designed to feel continuous for your client and their family.
Are they a regulated purchase?
Neither product is a regulated financial service. Upon is a digital vault, Willow is software and death admin support. We can share our security whitepaper and a note on FCA-adjacent considerations on request.
How long does onboarding take?
We can get you set up in minutes. We also offer a free trial, please contact us to arrange.
Meet the founders
Built by people from the sector.
Institutional finance and UK death-care experience, combined with the know-how of building several production-grade platforms.
Liam Gray
Founder, Upon
Quant developer at a leading systematic machine-learning hedge fund before founding Upon. Designed Upon's end-to-end encryption architecture. Studied Computer Science at Cambridge.
- Quant Developer, Quadrature Capital
- Computer Science, University of Cambridge
- Software engineer for over 15 years
Edward Kerr
Founder, Willow
Spent four years on the board of Funeral Partners, the UK's third-largest funeral group, while at the private equity fund Montagu. Early career in investment banking. Studied Economics at UCL.
- Board, Funeral Partners
- Private Equity, Montagu
- Investment Banking, Morgan Stanley
Build a relationship that outlives a lifetime.
We'll walk you through how this looks for your clients and their families, from the inheritance conversation today, through to standing alongside the next generation when it matters most.