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Rogelio Gonzalez, CRPC®, CSRIC™
Financial Planner
Prudential Advisors
Pacific Northwest Financial Group
1700 SE Mile Hill Drive, Suite 264
Port Orchard, WA 98366
Phone: 360-919-4271
Email: rogelio.gonzalez@prudential.com
Website: www.prudential.com/advisor/rogelio-gonzalez
May/June 2026
Saving on Funeral Costs and Final Expenses
Like everything else, funeral and burial costs have risen over the years. Even a basic service and burial can become more costly than expected. Pre-planning can help your loved ones avoid difficult decisions about your final wishes and can also lower some expenses.
The Funeral Rule
The Federal Trade Commission (FTC) requires funeral homes to disclose prices for their products and services and provide customers with an itemized list. The funeral rule allows you to compare funeral home prices and choose only the services you want. Knowing the costs helps you make an informed decision without feeling pressured to select more expensive options you might not need.Purchase Burial Insurance
Also called final expense insurance, burial insurance helps pay for funeral arrangements, burial or cremation, medical bills, outstanding debts, and legal issues. When buying a policy, you usually choose the coverage amount and name a beneficiary who will use the proceeds to cover your funeral and other related costs. Coverage is typically available for individuals aged 50 to 85 (75 in some states).Pre-need Insurance
Pre-need insurance is a contract with a specific funeral service provider. You select the products and services you want. The insurance payout goes directly to the funeral service provider instead of to designated beneficiaries. Your insurance professional can explain burial insurance in more detail.Cutting Funeral Costs
There are several ways to reduce funeral expenses.- Cremation costs less because it eliminates the need for embalming, a casket, and a cemetery plot.
- A simple wake and service managed by family members instead of the funeral director can save money.
- Arranging for direct burial eliminates embalming costs and the cost of facilities for a wake and service.
A Different Option
You might consider donating your body to a medical facility or research center. There is no cost to donors, and your donation helps researchers learn more about the body and certain diseases.1071882
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Rogelio Gonzalez is a Financial Planner with and offers securities and investment advisory services offered through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
"Prudential Advisors" is a brand name for the propriety retail sales channgel of The Prudential Insurance Company of America ("PICA") and its insurance company and other affiliates (collectively "Prudential"). Prudential Advisors financial professionals are licensed insurance agents of Prudential.
Pursuant to a strategic relationship among Prudential, LPLE, and LPL Financial, Prudential Advisors financial professionals provide securities brokerage services and/or investment advice on securities solely as registered persons of LPLE, an affiliate of LPL Financial. These financial professionals are permitted to brand under "Prudential Advisors".
LPLE and LPL Financial are not affiliated with Prudential or Pacific Northwest Financial Group.
Prudential, Prudential Advisors, and the Pacific Northwest Financial Group are not registered as a broker-dealer or investment advisor.
Pacific Northwest Financial Group and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.