Consultants
Data-Driven Clarity, Industry Context
PNA supports consultants with tools to assess pre-need portfolios and benchmark performance. These insights can inform valuations and highlight opportunities to adjust pre-need structures in ways that better align with client objectives.
STRATEGIC ALLIANCE
We Understand Client Service
Designed to help you expand your offering with technical support and analytical tools that bring clarity to your clients’ pre-need programs.
Insight-driven tools and a modern platform that can help you deliver stronger financial outcomes.
Our proprietary tools evaluate portfolio characteristics and assign an index score that benchmarks programs across similar operators.
Our professionals can supplement your team to bring the right level of technical resources to a challenging problem.
Compliance is built-in—reducing risk and improving accuracy.
A Small Loss Can Make a Big Difference
When pre-need accounts don’t keep pace with rising service costs, the impact on valuation can grow over time. PNA gives you clearer visibility into that relationship.
The illustration shows how a modest gap between pre-need contract values and your General Price List (GPL) can translate into annual loss to GPL and, over time, reduced business valuation of $371,000.
Case Study:
- 50 new contracts per year at $8,500 per contract ($425,000)
- Average loss to GPL at-need 12.5% ($8,500 X 12.5% = $1,062)
- Annual loss at-need (50 contracts X $1,062 average loss) = $53,000
- Potential valuation impact @ 7 times earnings multiple ( 7 X $53,000 annual loss) = $371,000
Annual Pre-Need Contracts
Current Rate of Loss to GPL
Annual Loss to GPL
Decrease in Valuation
This hypothetical illustration is provided solely for educational purposes and is based on assumed facts. It is intended to demonstrate how differences between pre-need contract values and future service costs may affect profitability and business valuation. An individual’s experience may vary based on his or her individual circumstances. An individual’s experience may vary based on his or her individual circumstances. There can be no assurance that PNA will be able to achieve similar results in comparable situations. Further, not all clients will necessarily receive the same advice or level of service as those outlined, as PNA provides customized services based upon the nature of each client’s needs. No portion of this webpage is to be interpreted as a testimonial or endorsement of PNA’s investment advisory services, and it is not known whether the hypothetical clients referenced approve of PNA or its services.
Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by PNA) will be profitable or equal any historical performance level. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of PNA’s services will vary based upon the client’s individual investment, financial, and tax circumstances. The effectiveness and potential success of an investment plan depend on a variety of factors, including but not limited to the manner and timing of implementation, coordination with the client and the client’s other engaged professionals, and market conditions. Past performance does not guarantee future results.
benefits
A Modern Pre-Need Platform
Independent oversight and clear reporting show how your pre-need accounts are managed and help keep control with your funeral home.
Leaders Ready to Change Pre-Need Outcomes
Equipping firms to replace legacy structures with a transparent Framework.
FAQ
Learn More About How PNA Can Help
No. PNA provides analytic tools, portfolio assessment resources, and benchmarking data to funeral home consultants at no charge. We view consultants as partners and want to make sure you have what you need to serve your clients well.
A well-structured pre-need program can be a meaningful factor in how a funeral home is valued and positioned. PNA’s analytics give consultants a clear view of how a funeral home’s pre-need portfolio is performing relative to inflation and General Price List trends, whether the program is structured around fiduciary best practices, and where gaps or risks may exist. That information can support strategic planning, ownership transitions, and acquisition due diligence in a way that generic financial data cannot.
Most studies are completed within several weeks. Timing depends on the size and complexity of the portfolio and how quickly the necessary data can be assembled. PNA works efficiently to minimize the time burden on both the consultant and the funeral home.
No. The majority of the analysis is performed using information the funeral home already maintains, such as existing account statements, contract listings, and GPL data. PNA identifies exactly what is needed and handles the analytical work. The funeral home’s involvement is minimal.