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Nate Obringer, CFP®, RICP®
Financial Planner
Prudential Advisors
9800B McKnight Road, Suite 223
Pittsburgh, PA 15237
Phone: 412-318-4129
Fax: 877-840-2322
Email: nate.obringer@prudential.com
May/June 2024
Should You Prepay Funeral Costs?
There is no right or wrong answer, but you’ll want to review the pros and cons of prepaying funeral expenses.
The Pros:
- When you prepay, you lock in today’s prices. Even if costs increase, the money you’ve given the funeral home is guaranteed to cover the goods and services you’ve selected.
- Your personal arrangement with the funeral home guarantees you’ll have the funeral you want.
- Your loved ones won’t have to make decisions about the details of your funeral.
The Cons:
- The money you use to prepay expenses is controlled by the funeral home director, not by you.
- The funeral home you have chosen could go out of business or change ownership.
- You usually can’t transfer your prepaid plan to another funeral home if you move or die in another location.
If you decide to prepay funeral expenses, make sure you have a written document outlining the products and services you’re entitled to receive. Keep it with your will, and tell loved ones about the arrangement.
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Nate Obringer is a Financial Planner with, and offers securities and investment advisory services through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
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