REGIONAL OPERATORS
Visibility & Control for Multi-Locations
Multi-location firms need consistent processes, clear oversight, and unified reporting. PNA’s platform centralizes operations, compliance, and pre-need activity in one framework.
Helping You Manage Your Team
Operational Discipline
PNA’s platform delivers consistent workflows, centralized visibility, and real-time reporting so teams operate the same way across every location.
A modern, transparent, actively managed platform designed to address the financial, operational, and administrative challenges pre-need creates for funeral homes.
Analytics highlight how inflation may affect future services, helping funeral homes assess whether today’s pre-need program is keeping pace with tomorrow’s costs.
Real-time visibility into all things pre-need, whether sales metrics, account values, or investment performance.
PNA’s automated steps ensure each location follows the same compliant process—reducing variation and operational risk with greater efficiency.
Compliance is built-in, not an afterthought, 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
Yes. PNA’s platform is designed to support funeral home groups operating across multiple locations and states. Every location’s accounts are managed within a single platform, giving regional operators a consolidated view of their entire pre-need portfolio while maintaining individual account-level reporting for each contract and each location. State-specific investment guidelines and compliance requirements are handled automatically within the platform
When a regional operator acquires a new location, PNA works with your team to evaluate the acquired funeral home’s existing pre-need program and develop a transition plan. If the existing portfolio is held in CDs, deposit accounts, or a trust arrangement, PNA coordinates the transfer logistics with the prior provider. Life insurance funded contracts cannot be transferred due to carrier restrictions, but PNA can help you build a strategy for new contracts at that location going forward.
PNA’s 1.50%* fee covers everything needed to run a complete pre-need program across all your locations: investment management, trustee oversight, custody, technology, reporting, compliance workflows, onboarding, training, and marketing support. There are no additional fees for managing multiple locations, adding new locations, or scaling your program. The only services outside that scope are those requiring independent third-party professionals, such as legal advice and tax preparation.
*Please see important disclosure information.
Yes, at no cost and with no obligation. For regional operators, PNA’s assessment looks across all locations to evaluate how your consolidated pre-need portfolio is performing relative to inflation and your General Price List trends. The goal is to give you a clear picture of where your program stands today and where the gaps may be across your organization. The assessment is provided for educational purposes and does not constitute individualized investment advice.