Blog | Sytsema Funeral & Cremation Services

My Financial Advisor Doesn’t Think it’s a Good Idea to Preplan my Funeral

The butcher, the baker, the candle stick maker. Does anyone go to the butcher for a candle? Would anyone even think of asking the funeral director for investment advice? The financial advisor, while very knowledgeable about money and investments, has little experience in helping a family honor the life of someone they love. Yesterday you could hold the hand of your loved one, today you must figure out how to say good-bye. Tomorrow you will begin the difficult task of living without the one you love. In the midst of all of this you will need to plan and pay for a funeral service. Helping families navigate those difficult days or to plan for this inevitable event is the job of the funeral director.

Accessing the dollars to pay for a funeral is where the financial planner can help. A financial planner who is familiar with a family’s financial resources can help them decide how and when to pay for a funeral. In a perfect world the investor, that’s you, would not die on a day the market was down, or just as his stocks were on the rise. He would die when it is a good time to take the cost of his funeral out of his investments. His heirs would not be burdened with tax consequences. Truth be told, life just does not always work out perfectly. We do not decide when we die.

This is what you can do. Plan the funeral with your funeral director. Talk to her about service options that will help your family cope with your loss. Talk to her about how much you are comfortable spending. Become educated about the advance payment options that are offered through the funeral home.

Ask if you can pay for your funeral in monthly payments over a few years. Ask what happens if you die before you complete all payments. Many funeral homes fund funerals with insurance products designed just to pay for funerals. That can mean the funeral will be paid for by the insurance company should death occur before your payments are completed.

Ask what happens if the cost of your funeral increases between now and when you die. Is there protection available for funeral inflation?

Talk to your spouse. If you die first, who will pay for the funeral? Where will the money come from? Will there be tax consequences? Would it be easier for the one who will be responsible if the funeral plan were funded? Decide what will work best for your family.

Now, go to your financial advisor. Ask him if you should pay for your funeral in one single payment now, or should you take advantage of one of the payment plans? Share all the information you receive from the funeral home. Get financial advice, not permission, from the one who looks through the lens of the dollars, the financial advisor. Get your funeral planning advice from the one who helps families cope with death, the funeral director. Make your decisions for the ones you love, with the ones you love, your family.

Do You Have to Be a Funeral Director to Work at a Funeral Home?

When we talk about working with a funeral home to plan a loved one’s funeral, one person who plays a central role in creating an event that celebrates that loved one’s life is the funeral director. A funeral director is essentially your go-to person at the funeral home, there to provide care and support during an incredibly challenging time. They oversee and direct all funeral services, from viewings and visitations to burials and cremations. But there’s even a lot of work that funeral directors do behind the scenes that families don’t see, such as organizing transportation for your loved one to and from the funeral home, coordinating receptions, and ensuring that all necessary paperwork is filed properly and in a timely manner.

There’s no doubt that a funeral director plays an essential role in every funeral, but luckily, they don’t have to do it alone. Especially in larger funeral homes, there can be plenty of people to assist the funeral director and care for families during this emotional time.

Who works at a funeral home?

One essential part of a funeral home is an embalmer. In the United States, 50 percent of people are embalmed. Embalming is often necessary for funerals and viewings so that the loved one will look more like how families and friends remember them. Although many funeral directors are also embalmers, it’s very common for larger funeral homes to have several embalmers on staff. Not only do embalmers have to have a special license, but they also must have a degree in mortuary science and have undergone an apprenticeship under an experienced embalmer.

An embalmer may also work as a mortuary cosmetologist, also known as a desairologist. In this position, they work on the hair and makeup of a decedent, an essential part of preparing a loved one for their viewing or open-casket funeral. However, not all embalmers are desairologists, and it’s not uncommon for larger funeral homes to work with additional mortuary cosmetologists.

Although funeral directors oversee all ceremonies, those events couldn’t happen without the work of funeral attendants. Attendants work under funeral directors to ensure that everything runs smoothly so families needn’t worry and can simply grieve in peace. They assist in setting up funeral rooms, transporting caskets, and doing anything a funeral director may need of them.

Not every funeral home has the same type of staff, but advanced planning advisors are often a crucial part of the team. When you pre-plan your funeral, you’re reducing the stress of your family having to wonder if they’re giving you the funeral you truly want. Without pre-planning, an already difficult time becomes even more challenging. Advanced planning advisors work with people who want to save their families from that distress. When you work with an advanced planning advisor, you’re giving your family a blueprint of what you want your funeral to look like. When the time comes, the advanced planning advisor will work with the funeral director and other staff members to put that plan into action.

Just like a funeral home may have someone on staff to help before a funeral even needs to happen, it may also have someone who works with families after the funeral ends. Because funeral homes are such an essential part of a community, many funeral home staff members consider being an active member of their community to be part of their job description. But for some people, their job is solely about caring for the community. Some funeral homes provide aftercare, which means that staff members help families during their time of grief. Since that mourning period doesn’t end with the funeral, neither does the care these funeral homes give. These workers may be grief counselors, or they may go by a different title, but in their role, they make sure that families don’t have to go through mourning alone.

But many other people play essential roles in creating funerals that celebrate an individual’s life. Administrators and administrative assistants keep a funeral director on track, ensuring they have everything they need to take care of any families who come to their funeral home. They work to create a friendly but professional atmosphere, giving comfort to the families and their guests.

Although the funeral director may be the face that you associate with a funeral home, they’re surrounded by people who care about their community and want to be part of making a funeral a cherished event that celebrates the life of someone who meant so much to so many people. Working in a funeral home takes a kind demeanor and temperament. From administrative assistants to embalmers, funeral home staff members are unique individuals who will care for people during one of the most challenging times in their life. After years of training, these community-minded individuals love the opportunity to be of service to people in need.

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Cremation After the Funeral Service

Cremation rates have been on the rise in the United States for many years, and it’s becoming more and more common for funeral homes to be holding funerals for loved ones who will be cremated. But how does funeral planning work when your loved one will be cremated?

Can my loved one be cremated after a funeral service?

A common misconception exists that says that you can’t have a funeral service if your loved one is going to be cremated. However, this belief is false. Cremation does not preclude a funeral service. Your plans for your loved one’s service do not have to change due to cremation. You can still have a traditional funeral, if you so choose, where your loved one is present prior to their cremation.

When making plans for your loved one’s funeral, talk to your funeral director about wanting the funeral before their cremation takes place. You may have either an open or closed casket funeral, and you may not even need to purchase a casket. Many funeral homes offer families the ability to rent a casket for the length of the funeral because your loved one will not then be buried in the casket. You may also hold additional services before the cremation, such as a viewing or visitation.

Similar to how a burial may happen directly after the funeral, your funeral director can work with a crematory to ensure that cremation occurs right after the funeral service. The funeral home may have their own crematory on-site, making this planning process simpler, or they may work with a respected third-party cremation provider. In the case of working with a different provider, the funeral director will also organize transportation for your loved one to their cremation.

Even if you held a funeral before your loved one’s cremation, you might still want additional services. You may opt for a committal service, which is when your loved one’s cremated remains are either buried or interred in a columbarium. Or you may want a scattering ceremony, where your loved one’s ashes are spread in a location that meant a great deal to them in life. These services are often smaller than a funeral. They allow for close family and friends to say a last goodbye to a loved one as they’re placed in their final resting place.

What if my loved one is cremated before the funeral service?

Some people opt for direct cremation before a funeral service, but that doesn’t mean that you can’t have a service at all. Although you can’t have a funeral with a casket present or a viewing, you can still have a memorial service after the cremation.

Because a funeral with a decedent present usually has to happen within a certain amount of time, having a memorial service after cremation affords families more time to plan. Memorial services can happen on the same day as a cremation, but they don’t have to be. Some people prefer to take more time to plan the service, and it’s not uncommon for a memorial service to happen weeks or even months after cremation.

A memorial service can function similarly to a funeral service. You can still have all the aspects of a funeral you may want, such as a eulogy, but the only difference will be that your loved one may be present in an urn, as opposed to being there in a casket. Your family can then choose how they’d like to store or scatter the cremated remains.

Whether you’d like a funeral before cremation or a memorial service after cremation, a funeral home can help. Talk to your funeral director about what you picture for your loved one’s services, and they’ll be able to guide you toward a decision that’s right for you and your family. In either case, you’ll be planning a ceremony that honors the life of your loved one, regardless of what their final disposition may be.

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What is an Ossuary?

Ossuaries are making a comeback as an alternative final resting place for cremated remains.

In ancient times as far back as c. 40 B.C.E. Ossuaries were popular among the Jewish population. An ossuary is a chest, box, building, well, cave or site made to serve as the final resting place of human skeletal remains. Historically ossuaries have been used in areas where burial space was scarce or in situations where large numbers of people died in a short time such as a plague or battle. The deceased would first be buried in a temporary gravesite and then after some years the skeletal remains would be removed and placed in an ossuary. An ossuary is a communal space where the bones of many people are entombed together often arranged in elaborate patterns. They were always sites of reverence and respect.

There are many historic ossuaries around the world that can be visited today. One of the most recent to be constructed is the Phnom Penh Memorial Stupa in Cambodia. Between 1975 and 1979 the Khmer Rouge killed 1.7 million people. Many of those people were buried in unceremonious mass graves. The Phnom Penh memorial stupa holds the remains of an estimated 10,000 people who were removed from the mass graves and moved to the memorial to provide a dignified final resting place.

Today’s ossuaries are very different in that they do not require exhumation and reburial of bones. Ossuaries today consist of an above ground tomb/marker and an underground vault. Cremated remains, usually contained in a soft material bag inscribed with the name, birth date, and death date of the deceased are dropped into the vault where they rest in community with others. These ossuaries are similar to the ancient in that more than one individual is entombed. They are communal and they hold bone albeit bone fragments produced as the result of the cremation process.

Ossuaries are found in a growing number of cemeteries. They provide a dignified final resting place for those who prefer to be cremated but are not comfortable with the impermanence of scattering. The ossuary space has a low environmental impact, costs less than burial, and gives the family the added benefit of knowing the one they loved rests in a place that will remain intact. Ossuaries provide a dignified final resting place for those who prefer cremation.

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What is a Columbarium Niche?

A columbarium niche is a final resting place for ashes after cremation. Niches are above ground and are most often built into a wall. The wall is made up of individual compartments that hold an urn containing the ashes of one individual. Columbarium niches are available at many cemeteries and some churches. The niches or compartments may be glass-enclosed, allowing the urn or container to be seen. An alternative design uses sealed stone cubicles very similar to a mausoleum. Sometimes the wall contains open niches. The columbarium wall may be contained in a building or may be free-standing outdoors.

The size of the Niche is usually a standard 9x9x9. This means the choice of urn is limited to something that will fit in the niche. Depending on the design of the columbarium, the choice of urn may be further restricted. There are some columbarium that are stunningly beautiful with glass niches backlit to enhance the display of ceramic urns.

Although cremated remains, or ashes, may be scattered in a location that was special to the deceased, there are laws. Each state regulates where ashes may be scattered. Sometimes scattering is not practical. Often scattering does not satisfy the need of family members to have a fixed location where they can go to remember. A columbarium niche provides a permanent resting place for cremated remains. The cost varies with location but generally speaking it is less than that of burial.

The choice to be cremated does not in any way dictate the type of funeral service that may be held. A full funeral service including visitation with the body present can be held prior to the body being cremated. The service may be faith based or a celebration of life or it may include both. The choice to cremate does require that an individual seriously consider the needs of their family when choosing among the many options regarding a final resting place for the cremated remains.