Investment advisors
PNA Supports Your Funeral Home Clients
We bring structure, transparency, and governance so advisors can understand how pre-need fits into the broader financial picture.
Trusted Partnership
A More Complete View
The PNA platform provides a clear view of performance, with inflation benchmarks, giving advisors the data they need to advise clients.
When managed with transparency and oversight, a pre-need portfolio has the potential to contribute meaningfully to a client’s long-term financial goals.
PNA hired an independent sub-advisor to design an inflation-focused approach into its portfolio construction. Advisors gain structured, institutional insights to help your clients plan for future service obligations.
Real-time visibility into sales, account values, and investment performance gives funeral homes actionable information that can support better decisions.
From drag-and-drop contract creation and digital payments to automated account setup, these workflows can help free up funeral home resources.
Compliance considerations are built into platform’s workflows to support proper documentation and audit readiness.
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. 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 the Pre-Need Problem
Pre-need refers to funeral arrangements and funds collected in advance of need. Families prepay for funeral services, and those funds are held in trust until the time of need. For funeral homes, pre-need represents a significant and often poorly understood financial obligation. If the trust funds do not keep pace with the funeral home’s rising service costs over time, the funeral home absorbs the difference at the time of need. That gap, known as purchasing power erosion, is one of the most common and least visible financial risks facing funeral home operators today.
No. PNA manages the pre-need trust assets specifically which is a highly specialized and regulated segment that most RIAs are not structured to handle directly. Your broader advisory relationship with the funeral home remains entirely your own. Many advisors find that introducing PNA to their funeral home clients actually strengthens the relationship by bringing a level of institutional structure and transparency to an area that has historically been difficult to evaluate or monitor.
Most funeral home pre-need programs fall into one of three structures: life insurance funded, bank CD funded, or trust funded through a pooled arrangement. Each carries specific risks around transparency, portability, and inflation alignment that may not be immediately visible from standard financial statements. PNA offers a complimentary assessment of your client’s existing pre-need program at no cost and with no obligation, so you can get a clear picture of where the program stands and what risks may exist.