Fight Inflation and Save Your Family Heartache by Pre-planning Your Burial

Funeral planning can happen any time. Pre-need planning is common. Pre-need funeral planning is the act of making funeral arrangements and covering their costs ahead of time. The benefits include: 

  • Making decisions about what happens with your body after you die
  • Choosing if and where you will be buried 
  • Choosing what sort of service will be held in your honor
  • Pre-paying for your funeral to save costs for your family
  • And more

Let’s take a deeper dive, shall we? 

Pre-plan what will happen with your remains- When you die, your body must be cared for and handled in the way that aligns with your personal preferences and beliefs. If you pre-plan your burial you have complete control over the care and handling of your remains. You can determine:

  • Burial or cremation
  • If you are embalmed
  • If there is a viewing
  • What sort of casket or container you’re buried in
  • And more

Choosing if and where you will be buried- Pre-planning gives you the opportunity to pick if and where you will be buried or if you prefer an alternative such as cremation, water or other burial, or an unconventional option such as donating your remains to science. 

Choose the sort of service- Pre-need planning can include planning your service and covering the costs. From picking the music, flowers, and other details to securing the location and locking in rates, your planning can make the funeral arrangements less burdensome on your family. You may even design and commission your headstone or other memorial to mark your place of rest.  

Locking in rates and costs and avoiding inflation- Your actions can help reduce the costs of your funeral after time goes by. By pre-planning and paying for your expenses, you can avoid higher costs down the line. Also, you can rest easier knowing your family won’t have to cover the costs of your funeral and burial or cremation. 

If you are the sort of person who likes having their ducks in a row and pays attention to detail, planning your own burial through a pre-need plan is an excellent way to make sure your wishes are thoroughly met and things represent who you were in life, even in your death. You can simply add your pre-need contract with your will, trust, and other important documents for your attorney or executor of your estate to use when the time comes. 

Insurance – Planning Ahead for Optimal Choices

By Roz Jones

Depending on your career track and options, you may have a retirement plan in place that you have contributed to. This is an excellent way to save for the future and help guarantee income after retirement. Sometimes your retirement income is all you need to live life in the manner you are used to and sometimes… not so much. 

There are lots of ways to increase your savings and make investments that will add to your income down the line. Your financial planner will have lots of information about ways to save that help you avoid taxes and maximize income. Make an appointment and see what’s right for you. 

Another great way to save for the future and provide income in the case of an extended illness and/or death is through insurance products. Life insurance and other insurance products can provide income when you need it most and help safeguard your family in the event of your death. Here’s how: 

Life insurance- Life insurance can protect your assets and your family’s way of life in the event of your death. If you should die, you can provide enough money to pay off a mortgage and income for your widow to get back on their feet and move forward. 

Did you know? Life insurance isn’t just about insuring a working spouse. You can insure your children, which keeps them eligible for coverage when they become adults – regardless of their health history. This is a very big deal should your child suffer a childhood illness that might otherwise become a pre-existing condition. Consider purchasing a life-insurance policy for your child to guarantee they get coverage when they become an adult. 

Asset insurance- Insuring your assets, like your car, is mandatory. Generally, so is homeowners insurance. Did you know you can also insure big ticket items? Properly insuring your personal items can be very important against theft and loss. If you are a renter, you should also insure your contents and have coverage for liability in case something happens under your roof. Though asset insurance won’t generate retirement income, it is important to insure yourself against all forms of loss so you don’t face expenses unnecessarily later in life. 

Annuities- Annuities are an insurance product that offer tax-deferred income after you retire. While life insurance pays out after you die, annuities collect income and pay out before you die. This can create another income stream that is outside of your work-related retirement plans. 

Insurance riders- A rider is a policy extension that adds benefits or modifies an insurance policy to enhance or expand the benefit. Riders can provide excellent income for medical events or other unexpected needs that pop up as we grow older. They sometimes can make all the difference in the quality and quantity of care or income if there is an accident or illness. 

Insurance is often an excellent way to supplement retirement income and safeguard against unexpected illness, injury, or death. Being aware of what is available and investing wisely can be a great compliment to your investment portfolio.

Talking to Aging Parents About End-of-Life Matters

By Roz Jones

There comes a time when family roles switch. Traditionally, parents are the leaders of the family and make the decisions and set the tone for how things are done under their roof. As parents age, this can shift if there are medical or other issues at hand. 

Sometimes families have to switch up roles and adult children must step in to help parents make end of life decisions. This can be uncomfortable if there hasn’t been much discussion leading up to the role reversal. Still, talking to aging parents about end-of-life matters is always a good thing. 

Why? 

Talking about end-of-life matters preserves dignity- If your parents lived life well, they likely made the best choices they could under the circumstances and deserve to live out their lives in a dignified way. When adults become frail, they appear to be more like toddlers than thriving and vital adults. It’s easy to forget that they were once independent and able to care for their own needs. Talking about end-of-life expectations can help them preserve their dignity by respecting where they want to live, what boundaries they have on their medical care and day-to-day living, and their wishes about their death experience and how their remains and estate are managed. 

Talking about end-of-life matters eliminates confusion- The earlier you can speak with aging parents about the legal protections available for themselves and their estate, the easier things will be in their absence. Being open about advance directives, wills, trusts, and other important topics makes things easier for you if you are managing their care or estate. Don’t wait until your aging parent is too frail or ill to engage in a mature conversation to find out what they have taken care of and what vulnerabilities there may be. The sooner the better.  


Talking about end-of-life matters brings families together- There’s something about facing mortality that humbles people and helps them keep the main thing the main thing. Talking with your aging parents creates an opportunity to say things that you don’t wan to leave unsaid and to say thank you for all they have done to raise you, love you, and be there for you when you needed them so much. Many people hold onto life because they have regrets or fears. You can help your parents feel peace and love by having important conversations that bring healing and comfort. 

Talking to your parents about aging and end-of-life plans isn’t morbid. It’s a mature and necessary part of life. The sooner you can sort out what your parents expect, how they are going to manage their expectations, and what role you will play in the plan, the easier you can be prepared and ready when the time comes. 

Supporting Someone You Love with a Chronic or Terminal Illness

By Roz Jones

There are times when we have to step up to the plate and do some very hard things. Few things are harder than supporting someone with a chronic or terminal illness. Though difficult, it’s an honor to be a support to someone as they walk out their final life experiences. 

Supporting someone you love with a chronic or terminal illness won’t have a playbook. There isn’t a step-by-step manual listing out where to walk, what to say, and how to be. You’re going to figure things out as you go but even though there aren’t any specific rules, there are some common practices that will make things a bit more comfortable. 

Get used to being uncomfortable- The sooner you can open up to the fact things are going to be uncomfortable, the sooner you can be open to managing whatever happens. Having a “whatever it takes” attitude and letting your loved one know you are there regardless of how uncomfortable things may be will help them focus on their own needs rather than worrying about yours. 

Ask- It’s that simple. Ask how you can help, when you can help, and if you can help. Your job is to offer and their job is to allow you in or set a safe boundary to keep you on the ready if they are not up for company or assistance. 

Listen- Lots of support comes from simply being there and listening. People are do-ers and in their doing, feel like they are making a difference. Sometimes there is nothing to be done but to sit in companionship and offer your support.  

Meet people wherever they are emotionally- You can expect a wide range of emotions as your loved one comes to terms with their situation. You may see every emotion on any given day. From denial and anger to resignation or peace. Try to meet your loved one where they are and engage with them in a peaceful and loving way. 

Learn from the journey- Though we don’t all know when our time will come to die; we can be assured it is coming. Going through an end-of-life experience with someone else can help you better prepare for your own experience. Learn from them and decide for yourself what matters to you when you think about your own end-of-life needs. How you want your medical care, financial care, and family to care for you.  


Supporting someone you love with a chronic illness will bring out the best you have to offer. It is an honor and a privilege to support someone as they navigate the final days of their lives. Don’t put too much pressure on performance. Be compassionate and caring and the rest will fall into place. 

Why Wait to Experience Your Bucket List?

The term bucket list refers to experiences someone would like to have before they pass away or kick the bucket. Glorified in movies, generally a bucket list is completed by terminally ill people who are painfully aware of the fragility and short period of time we are alive. Most folks wander in a haze of work and family, putting things they would love to do off for a magical time when they will have:

  • More money
  • More time
  • More freedom
  • More opportunities 

They are blissfully unaware of the realities that there is no guarantee that you will live outside of this very moment– in an instant it might be over. 

Why wait to experience your bucket list? There’s no time like right now to live as if you were dying because the fact is… we are all dying from the moment we are born. 

What’s on your bucket list? 

Your bucket list should include the things- both great and small– that matter to you and your personal interests. Here are some prompts to get you stared: 

  • Places you want to see
  • Experiences you want to have
  • People you want to meet
  • Foods you want to try
  • Activities you want to engage in
  • People you want to impact
  • Ways you want to make a difference

Wow, that’s a hefty list right there. 

What would it take to check things off your list? 

Your bucket list should be a mixture of things you could do easily if you took the time and made them a priority co-mingled with things you want to do that take effort, planning, and stretch you. What would it take to accomplish some of the things off your list? How about these ideas: 

  • Research an activity or interest 
  • Start a bucket list Pinterest board
  • Start a savings account or envelope for a bucket list experience
  • Join a group or club doing an activity on your list
  • Make a reservation and set a date for an adventure
  • Take action and simply dive in

It doesn’t take a whole lot more than intention to get started experiencing the things you want to be, do, see, and have before you die. 

Life is fleeting so it doesn’t make sense to put off until tomorrow all the fun you could be having today! Create and experience your bucket list early on and don’t wait for the future to enjoy life’s opportunities.