The Ultimate Guide to Pre-Planning Your Final Wishes

Allen Mortuaries Admin • August 15, 2025

Discover the ultimate guide to pre-planning your final wishes. Learn step-by-step how to make legal, financial, and funeral arrangements in advance.



1. Understanding Pre-Planning

What is Pre-Planning?


Pre-planning is the intentional process of deciding in advance what will happen after you pass away — from the legal, medical, and financial arrangements to the details of your funeral or memorial service.


Instead of leaving these decisions to grieving loved ones, you create a clear, documented plan that can be followed without second-guessing.


Benefits of Pre-Planning


  • Emotional Relief for Family
    Losing someone is emotionally overwhelming. Pre-planning eliminates the need for your family to make dozens of stressful decisions within days of your passing.
  • Financial Savings
    Many funeral homes offer pre-payment options that lock in today’s prices, protecting you from inflation.
  • Control & Personalization
    You decide how your life will be celebrated — from music and flowers to burial location and ceremony type.
  • Legal Clarity
    Written instructions reduce the risk of family disputes or misunderstandings about your wishes.


2. Key Areas of Pre-Planning


Legal & Administrative Planning


  • Will or Trust – Outlines asset distribution and names an executor. A trust can help avoid probate and offer more control.
  • Advance Healthcare Directive – States your medical care preferences if you can’t speak for yourself.
  • Durable Power of Attorney – Authorizes someone to handle your financial and legal matters if you’re incapacitated.
  • Digital Account Access Plan – Includes login info for important online accounts (banking, social media, subscriptions).


Funeral & Memorial Arrangements


  • Burial vs. Cremation – Decide based on personal, cultural, or religious preferences.
  • Service Location – Could be at a funeral home, place of worship, outdoors, or at home.
  • Traditions & Customs – Incorporate religious rites, cultural practices, or family traditions.
  • Service Elements – Choose music, readings, and speakers that reflect your values and personality.
  • Flowers or Donations – Decide whether to have floral arrangements or direct donations to a cause.


Disposition of Remains


  • Burial – Choose a cemetery, type of plot, and headstone design. Decide on casket material, vault, and marker inscription.
  • Cremation – Select an urn, decide on final placement (cemetery, columbarium, home, scattering), or hybrid options (part burial, part scattering).


Personalization


  • Obituary Draft – Writing it in advance ensures accuracy and reflects your personality.
  • Photos & Life Story – Organize images and milestones for slideshows or memorial tables.
  • Mementos – Consider displaying hobbies, awards, or treasured possessions.
  • Service Theme – Examples: traditional religious burial, a celebration of life, a formal military ceremony, or a quiet candlelit vigil.


Financial Planning


  • Pre-Paying Expenses – Many funeral homes offer pre-need contracts to lock in rates.
  • Life Insurance – Can help cover final expenses and leave additional support for family.
  • Payment Plans – Break down costs into manageable monthly payments.
  • Proof of Payment – Store receipts and contracts where your executor can easily find them.


3. Step-by-Step Pre-Planning Process


Step 1 – Clarify Your Priorities


  • Think about what matters most: honoring tradition, environmental responsibility, or keeping costs low.
  • Write a “Values Statement” summarizing your approach to end-of-life planning.


Step 2 – Research Options


  • Compare service packages from your funeral home of choice.
  • Ask about customizable service options and pre-payment options.
  • Visit cemeteries in person to compare locations, pricing, and maintenance.


Step 3 – Make Legal Arrangements


  • Work with an attorney to update your will/trust and health directives.
  • Choose a healthcare proxy who will advocate for your wishes.
  • Put funeral preferences into a legally recognized document if available in your state.


Step 4 – Choose Service Details


  • Select readings, music, and officiants that reflect your beliefs and personality.
  • Decide on visual elements like color themes, floral designs, or tribute displays.
  • Make backup choices in case certain items or people are unavailable.


Step 5 – Arrange Payment


  • If pre-paying, verify what’s included and what isn’t (e.g., future inflation costs, transportation fees).
  • Make sure the plan is portable if you move.
  • Decide on pre-payment plan (e.g., pay in full vs. monthly payments)


Step 6 – Document & Store Plans


  • Store documents in a fireproof safe or with your attorney.
  • Give a copy to your executor, healthcare proxy, and a close family member.
  • Avoid keeping your only copy in a bank safe deposit box (it may be inaccessible immediately after death).


4. Common Mistakes to Avoid


  • Not Communicating Your Plan – If nobody knows about it, it can’t be followed.
  • Failing to Update – Plans should reflect changes in relationships, location, or personal beliefs.
  • Overlooking Small Details – Like obituary photo choice, pallbearers, or song lyrics.


5. Special Considerations


  • Veterans – May qualify for burial flag, military honors at graveside, etc.
  • Religious Requirements – Some faiths have strict timeframes or rituals (e.g., Jewish burials often within 24 hours).


6. Checklists


Essential Documents Checklist

  • Will or trust.
  • Advance healthcare directive.
  • Durable power of attorney.
  • Funeral preference statement.
  • Life insurance policy.
  • Digital account list and passwords.


Funeral Arrangement Checklist

  • Type of service and location.
  • Burial or cremation decision.
  • Casket/urn choice.
  • Floral or charitable donation preference.
  • Service participants (officiant, speakers, musicians).
  • Visual elements (photos, videos, displays).


7. Conversation Starters


  • “I don’t want you to worry about making decisions when the time comes — let’s make them now together.”
  • “Here’s what I’d like for my service. It’s important to me that it reflects my life and values.”
  • “Have you thought about what you’d like for your own arrangements? We could do this planning together.”


8. Updating Your Plan


  • Review after major life events (marriage, divorce, children, relocation).
  • Revisit financial arrangements every few years to ensure funding is adequate.
  • Update contact info for key individuals involved in carrying out your wishes.


9. Final Words


Pre-planning is not just about death — it’s about love, protection, and peace of mind for those you care about most. By taking the time to make these decisions now, you ensure that your family will be supported and your life will be honored exactly as you envision.


If you’ve been considering pre-planning your final wishes, there’s no better time to start than now. At Allen-Hall Mortuary, our caring and knowledgeable team is here to answer your questions, walk you through your options, and help you create a plan that reflects your values and brings peace of mind to you and your loved ones. Call/Text 435-881-8874 today to schedule a confidential consultation and take the first step toward ensuring your wishes are honored exactly as you envision.

By Allen Mortuaries Admin March 5, 2025
Losing a loved one is an emotionally overwhelming experience, and handling their affairs can feel like an insurmountable task. This comprehensive guide will walk you through the necessary steps, providing clarity and support during a difficult time. Immediate Steps to Take After a Loved One Passes 1. Obtain a Legal Pronouncement of Death A legal pronouncement of death is required for obtaining a death certificate. If your loved one passed away in a hospital or nursing home, the staff will handle this. If they passed at home, call 911 so emergency responders can confirm the death. 2. Notify Family and Close Friends Begin by informing immediate family members, followed by close friends and relatives. Consider assigning someone to help you with these notifications to ease the burden. 3. Secure Any Dependents or Pets If the deceased had dependents or pets, ensure they are cared for immediately. Arrange temporary or permanent guardianship as needed. 4. Protect the Home and Belongings Lock the home and secure any valuables to prevent theft or unauthorized access. If necessary, inform a trusted neighbor or family member to check on the property. Gather Important Documents 5. Obtain the Death Certificate You will need multiple copies (usually 10-15) of the death certificate for legal and financial processes. The funeral home can typically assist with obtaining these. 6. Locate the Will and Estate Plan Find the deceased’s will, trust documents, or any estate planning paperwork. These documents will outline how their assets should be handled and who is responsible for managing them. 7. Identify Financial Documents Collect important financial documents such as: Bank account statements Investment accounts Retirement plans (401k, IRA, pensions) Life insurance policies Property deeds and mortgage information Tax returns Handle Funeral and Burial Arrangements 8. Check for Pre-Planned Funeral Arrangements Some individuals pre-plan their funeral and may have paid for services in advance. Look for documentation regarding their wishes or prepaid funeral plans. 9. Plan the Funeral or Memorial Service If no arrangements were pre-made, work with a funeral home to plan the service. Key considerations include: Burial or cremation preferences Location and date of service Notifying friends and family Arranging clergy or speakers Choosing flowers, music, and memorial materials 10. Publish an Obituary Consider writing and publishing an obituary in a local newspaper or online memorial website to inform the community. Manage Legal and Financial Affairs 11. Notify Social Security and Other Benefits Providers If the deceased was receiving Social Security benefits, contact the Social Security Administration to report their passing. If they had a pension or veteran’s benefits, notify the respective agencies as well. 12. Contact Banks and Financial Institutions Close or transfer bank accounts and notify credit card companies. Provide the death certificate and proof of executorship if required. 13. File for Life Insurance Claims If the deceased had life insurance, contact the provider to file a claim. You will likely need a death certificate and proof of beneficiary status. 14. Settle Debts and Cancel Unnecessary Accounts Pay off outstanding debts if the estate has enough funds. Cancel subscriptions, memberships, and utility services. Notify credit bureaus to prevent identity theft. 15. Transfer Property and Assets Work with an estate attorney to transfer property titles, distribute assets per the will, and ensure legal compliance with estate laws. Handle Emotional and Long-Term Considerations 16. Seek Grief Support Losing a loved one is challenging, and grief can be overwhelming. Consider support groups, counseling, or speaking with close friends and family members. 17. Organize Personal Belongings Take your time going through the deceased's personal belongings. You may choose to: Keep sentimental items Donate or sell possessions Create a memory box or tribute 18. Finalize Estate and Legal Matters Once debts are settled and assets distributed, finalize any remaining estate matters. This includes filing the final tax return and officially closing the estate. Final Thoughts Handling a loved one’s affairs after their passing is a complex and emotional process. By following this step-by-step guide, you can ensure that legal, financial, and personal matters are properly addressed. Don’t hesitate to seek professional help from an attorney, financial advisor, or grief counselor to support you during this time.  For more guidance on funeral planning and estate management, contact your local funeral home or legal professional. If you found this guide helpful, feel free to share it with others who may need assistance.
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By Allen Mortuaries Admin March 3, 2024
Dedicating a grave is not an every day occurence. In fact, most people have never dedicated a grave or will only do it once or twice in their lifetime. This short post is to help you know how to dedicate a grave should you ever have to perform this ordinance. Authorization for performing this ordinance is granted by a priesthood leader possessing the appropriate keys or operating under the guidance of someone holding those keys. The individual dedicating a grave is required to hold the Melchizedek Priesthood and receive authorization from the overseeing priesthood officer conducting the service. The process involves: Addressing Heavenly Father. Affirming that the action is carried out under the authority of the Melchizedek Priesthood. Dedication and consecration of the burial plot as the final resting place for the deceased. Offering a prayer requesting the sanctification and protection of the location until the Resurrection, where applicable. Seeking the Lord's comfort for the grieving family and expressing sentiments guided by the Spirit. Concluding the dedication in the name of Jesus Christ. Alternatively, at the family's preference, a graveside prayer may be substituted for a dedicatory prayer. In cases where a Church member's body undergoes cremation, the presiding officer is empowered to exercise judgment in deciding whether to dedicate the location where the ashes are preserved. Consideration is given to the family's wishes, local customs, and legal requirements. If dedication is chosen, the priesthood holder may tailor the instructions to align with those for dedicating a grave. 
By Allen Mortuaries Admin July 27, 2023
There are many reasons to pre-planning your final wishes – whether that’s a traditional funeral service or cremation. The following is a list of some of the benefits of planning ahead and why you should consider making your final wishes ahead of time.
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