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There are a growing number of options available to the public today when seeking to preplan and prepay their final wishes. We can tailor a plan that's right for you.
Pre-paying can protect you and your family from future inflationary trends while providing the piece of mind of knowing that they will be cared for after you are gone. Below you will find more detailed explanations of the plans that we have available. If you would like to request an appointment after you have reviewed this information, we would be pleased to have one of our staff go over any additional questions you might have.
Q: What is Pre-Planning?
A: Many of us place great emphasis on planning for milestones of our lives such as college, weddings, purchasing a home and retirement. Shouldn’t it be natural to put as much care and time into planning for our funerals? Unfortunately, these important decisions are often left up to someone else, along with any financial obligations that accompany those final expenses. By sitting down with Bob, before the need arises, you and your family will feel the peace of mind in knowing funds have been set aside and thoughtful decisions have been made. In most cases you and your family will also find this to be less stressful and emotional, and allows you to really look at all the options available and choose those that are most fitting. Pre-arranging will relieve your family of the burden in having to guess what you would have wanted and avoid emotional spending. Having the forethought to pre-arrange is one of the greatest gifts for those you may leave behind.
Q: How does one get started?
A: The first and possibly the most difficult step is to call. When you sit down with Bob he will discuss all of your options relating to funeral or memorial services. Together you can determine the services and budget that best fit you and your family’s needs, including how to property pay for the funeral. Many times families feel they can do this themselves, however without setting it up properly, many times those funds don't get used the way it was intended. The funds can be held in several forms such as an insurance policy or annuity, or through the bank in a Certificate of Deposit (CD). When the death occurs, and only then, do the funds become available to the funeral home to apply to the balance of the services you and your family have arranged.
Q: Who Should Pre-Arrange?
A: You are never too young or too old to plan ahead. If you or anyone you know has questions, please feel free to contact Bob and he will be happy to answer any questions you might have. Just for calling, you will be receive a free planning ahead guide.
Q: I am applying for Medical Assistance (MA) - can I still do this?
A: YES! While we do not evaluate individual’s eligibility, we do work very closely with the county to help those who qualify for Medical Assistance. In most cases you are able to set aside funds for your services in a way that they are considered a untouchable or non-asset. When pre-arrangements are set up as an irrevocable fund, the funds when set up properly are not be subject to the spend-down process nor will they be considered part of your total available assets.
Q: What is the best way to contact you if I have questions?
A: There are two ways you can contact us. First, if you go to the top of this page under contact us, you can enter your information in the form and we will call you back as soon as possible. Or if you want to speak to me directly, please call: 651-260-2903. Please leave a message if I don't answer, I will be happy to call you back at my earliest convenience.
