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Eternal Planning: Your Final Chapter Decisions · Money In Motion with Klaas Financial

0:01
And our phone lines are open for you right now. If you have questions
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for our retirement planning professionals from Class Financial, I'll get to pick a phone
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dial in six oh eight three two one thirteen ten. That's six oh eight
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three two one thirteen ten. Gets you on the ear with our retirement planning
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professionals CJ. Closs and Malia Quavis. Of course they come to us from
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Class Financial. The website it's class financial dot com. How easy is that?
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Coss k l aas Financial dot com. When you're on the site,
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you can learn more about Class Financial their separate divisions. You can also sign
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dot com. The telephone number four Class Financial six oh eight four four two
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five six three seven. No charge for the financial get to Know You appointment
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tech co Loss Financial. It will be complementary to you. Again, they're
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number six oh eight four four two five six three seven. Without any further
0:48
ado this morning, well welcome on our retirement planning professionals CJ. Closs and
0:52
Malia Quavis. CJ. How you doing this morning? Doing great? How
0:55
are you Sean? I'm doing really well, Malia at the storms. Hopefully
1:00
do too much cause any issues for you earlier this week, No, I
1:03
think we were spared, but boy, that was a big one. It
1:07
was Yeah, there's I always talked there were there were some treasures and some
1:10
trash that ended up by following that stuff. So good to hear from both
1:15
of you. And we've got an important conversation this week when it comes to
1:19
funeral planning and people say, wait, entire planning, funeral planning. These
1:23
are important steps to be taking to have these plans in place. So we're
1:26
going to talk about that with you in just a moment. A couple of
1:29
things as mentioned, love getting calls, love getting questions. I get to
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do that is just pick up a phone dial six eight, three, two,
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one, thirteen ten. Another really cool feature of the show, it's
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the Class Quiz question leak your chance to win a fantastic prize. This week,
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our friends from Class financially provided a twenty five dollars gift card to Starbucks.
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We'll tell you a little bit later on the program how you could win
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that. I will tell you it pays for a number of ways and reasons
1:51
if you listen closely to the program, because oftentimes both the question and answer
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come up during the show. As a matter of fact, before we get
1:57
rolling on this week's conversation, let's take a look back at last week's show
2:00
and do the Claws Squoz question week at the question and answer there as well.
2:05
Yes, so every week we don't just talk about death and taxes,
2:08
although today we're talking about death. Okay, So last week we talked about
2:13
retirement readiness and things you might want to consider as you think about when you
2:19
might want to retire and having basically a plan. So a great conversation last
2:24
week, and our question revolved around how many Americans are actually turning sixty five
2:30
and twenty twenty four, so a lot of people are considering retirement readiness.
2:35
And so the question was is it two million or more than four million people
2:40
that are going to turn sixty five? And the correct answer was brought in
2:46
by Zoe. She said approximately four point one million, and that was the
2:50
correct answer, So shout out to her. Congratulations. Listen carefully for today's
2:54
questions. I got a chance to win a twenty five dollar gift card to
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Starbucks. Phone lines are open for you right now, So three two,
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one, thirteen, ten, that's six poh eight three two one thirteen ten.
3:02
Speaking of last week's program, don't freg You can always listen back to
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this in the previous week shows right at classfinancial dot com. Subscribe to the
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podcast right online delphinumers six oh eight four four two five six three seven for
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Coss Financial. No charge for that initial gets to know your appointment at Coss
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Financial. It will be complementary to you. So when you're helping people,
3:20
of course figure out retirement planning, I'm guessing that that you do touch on
3:23
funeral planning as well, don't you see j We do. Yeah. So
3:29
we actually devote several shows throughout each year about the importance of completing your estate
3:35
planning and the idea that everyone should have you know, a power of attorney
3:39
in place for your health and for your property, while also having you know,
3:43
living wills, a trust with a poor overwill, and so on and
3:46
so forth. But the next natural area of planning that comes out of that
3:51
should, in our opinion, be centered around funeral planning and what you need
3:54
to know to help your loved ones carry out the process for you. So
4:00
most people have heard of this idea of hey, do you have a will
4:02
or do you have powers of attorney? Because it's this idea, if I
4:05
become disabled, I need my power of attorney to act as my agent for
4:10
my health and for my property. And then if I die, I need
4:13
to name, you know, kind of beneficiaries of my various assets, whether
4:16
that be a beneficiary designation or just a will that states what happens to my
4:21
stuff or a trust that states what's happened to my stuff. So most people
4:25
have heard of this, but they often don't take it to the next step,
4:29
which is to say, hey, and by the way, when I
4:31
die, Because remember everybody mortality rate is standing right about one hundred percent.
4:36
So this isn't a this isn't an if, but it's a when. So
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when I die, you need to say how is that going to play out
4:46
in terms of the the burial process, the remembrance process, the flowers,
4:50
the food, the whole thing. Now, again, often people go,
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boy, you guys are exciting. As Malia just said, you talk about
4:57
death and taxes not all the time. Can we talk about much more exciting
5:00
things than funeral planning. But I can just say from personal experience with us,
5:05
both as a as a family member, inside of my own family and
5:10
then also as an advisor with clients. If you take the steps to plan
5:15
for your own inevitability through having proper estate plans and through prepaid funeral expenses,
5:24
you will be doing your family an incredible service. Incredible and if I can
5:30
be more poignant than that, you will be limiting conflict. I didn't say
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eliminating conflict. I said you will be limiting conflict. Conflict tends to arise
5:41
when there are unclear plans. Now disclaimer, we are not funeral directors or
5:46
mortuary consultants, but we do know the simple reason you should plan for your
5:50
funeral is that if you don't, your family will have to make the plans
5:55
in their darkest hour. So again, we're not the experts who are going
5:58
to actually tell you how to plan that funeral, just as much as to
6:00
do it. We also know this is a hard topic, but doesn't It
6:04
doesn't have to be morbid. It can be meaningful for you to make your
6:09
wishes known and when the time comes, it can be a great relief to
6:12
your family members that you did this for them. And according to a survey
6:15
by the Funeral and Memorial Information Council, while sixty nine percent of American adults
6:21
want or intend to arrange their own funerals. Only about seventeen per percent have
6:28
put plans in place. So, regardless of your age, health, or
6:31
financial circumstances, creating a plan for your own funeral is a smart decision.
6:36
Talking this morning with CJ. Klass and Molyia Quavis, our retirement planning professionals
6:41
from Class Financial, phone lines are open if you've got a question. Six
6:44
oh eight three two one thirteen ten. That's three two one thirteen ten.
6:46
Love to have you join us this morning. The website for Class Financial eighty
6:49
is class Financial dot com. That's coss klaas Financial dot com are telephone number
6:55
six oh eight four four two five six three seven. So as we talk
6:58
about you know you mentioned and the importance of it, and you're really doing
7:02
something good for your family and for those you know. Confuse. Used to
7:08
watch my kiddo used to watch this Thomas the Tank Engine program when he was
7:12
little. I think a lot of kidtles did. And I remember the railroad
7:15
boss used to say, it causes confusion. You don't want to cause confusion
7:19
and delay, And we talk about this stuff. Obviously, delay is not
7:23
a big thing with death. It's inevitable, but you don't want to leave
7:25
folks confused. Do you see j You don't, but I'm just impressed by
7:30
how many different cartoons the storylines that you remember. We'll move on from that,
7:36
So yes, the good news. Planning your own funeral is actually very
7:41
easy and won't take as much time as you would think. First, realize
7:45
all you're really doing is documenting exactly how you would like to be remembered.
7:48
The best part is once you've done it, you really don't have to do
7:51
it again unless you want to make minor tweaks. Taking a little time to
7:56
plan this ahead of time will pay huge dividends in the future. You'll save
8:00
your family from a lot of grief and they will know how much you cared
8:03
about them when this is done. But yeah, in this kind of first
8:07
step you need to think about You need to think about something like do I
8:11
want to be buried, cremated, or donate your body to science, because
8:16
these are all options. Now. If you choose to be buried, you
8:18
then have to select what you want done with the casket. If you wish
8:24
to be cremated, then you have to choose where the urn or the ashes
8:28
will be placed. If you want to donate your body to science, you'll
8:31
need to take the steps ahead of time to put this in place. And
8:35
believe it or not, there's quite a few options and pros and cons to
8:37
each, so decide which one you think suits you best. We will point
8:43
out that the rate of cremations compared to traditional burials continues to rise. I've
8:48
mentioned this on the show. I think it was a few years ago now,
8:52
but in my own family, on my wife's side of the family,
8:56
there is a funeral director who owned a funeral home for many, many years,
9:01
and their business transformed over a generation from eighty ninety percent traditional burials with
9:09
caskets to really flipping and being much more cremation focused. So according to the
9:16
National Funeral Director Association known as NFDAA in twenty twenty three Cremation and Burial.
9:22
Their twenty twenty three report, the rate of burial was projected to be thirty
9:28
four point five percent compared to a cremation rate of sixty point five percent.
9:33
So you can already see it's flipped. There's more people being cremated than buried.
9:37
By the year twenty forty five. If the rate can continues, it
9:43
would be expected to reach almost eighty percent of burials would be cremations instead of
9:50
a traditional burial. One thing that the funeral directors communicate to families is that
9:54
all the services normally thought of in relation to a burial, such as a
9:58
traditional funeral service which includes viewing, can still be held for the individual who
10:05
was cremated. An NFDA twenty twenty three Consumer Preferences survey details insights into the
10:11
factors driving the increased desire for cremations, and according to the survey, a
10:16
significant fifty four and a half percent of respondent cited cost effectiveness as the primary
10:22
reason for choosing cremation. Additionally, forty two and a half forty two and
10:28
a half percent expressed that cremation is easier, simpler, simpler, and just
10:31
more convenient. So here's here's the point. You need to decide what's going
10:37
to happen to your body after you pass away and how you want that to
10:39
be handled. Do you want to donate it to science? Do you want
10:41
to be buried in a casket? Do you want to be cremated? And
10:45
where do the earn and ashes go? This is kind of one of the
10:48
first steps as you head down the funeral planning process. But as you can
10:52
imagine, Mollia, we'll get into this, there's a lot more than that.
10:56
Where's a service going to be held? What's the funeral home? Where
10:58
will you be buried? If you're going to be buried? Uh? Are
11:01
you going to prepay for food and flowers and services? But again, believe
11:05
it or not, there's people who do this for a living. We actually
11:07
work with two of them in the local community and they have it pretty organized
11:13
and so you just kind of answer some questions, maybe supply some information and
11:18
it's a one time event that you get prepaid. Talking this morning with CJ.
11:20
Closs and Malia Quavis, they are our retirement planning professionals from Class Financial.
11:24
You've got a question, We've got a phone line for you right now.
11:26
I'd love to have you join us. Six oh eight three two one
11:28
thirteen ten. That's six oh eight three two one thirteen ten. The website
11:31
for Class Financial it is classfinancial dot com. That's Klaas Financial dot com.
11:37
They're telephone number six oh eight four four two five six three seven. No
11:41
charge for that initial get to know your apployment at Colss Financial, it will
11:45
be complimentary to you again, they're number six oh eight four four two five
11:48
six three seven. So Malia, as we talk then about the funeral market
11:52
and kind of the value, I thought, I think I saw in the
11:56
notes about twenty billion dollars annually. And I've got a guest then, as
12:01
consumers, I guess we'd call ourselves got to be aware of those cost costs.
12:05
And A CJ mentioned choices for funeral and plan on that accordingly, don't
12:09
we exactly. So it is a big industry and a necessary industry. So
12:16
you know, alongside talking about retirement readiness last week, talking about funerals this
12:20
week, kind of looking at that trend. There's over two point four million
12:24
funerals that actually take place in the US every year. So I think it's
12:28
important to be familiar with recent trends. It doesn't mean you have to follow
12:33
the trend. In fact, I'm probably the one that never follows the trends
12:37
out there at the right time perhaps, but you might be interested in hearing
12:41
what those current trends are. And one of the significant preferences that we saw
12:46
in our research, and it was highlighted last year was that sixty percent of
12:50
the population is interested in exploring the green funeral options out there because you know,
12:56
there's some reasons to do that, potential environment benefits, sometimes for cost
13:01
savings and for other reasons. And there's organizations like Green Burial Council they promote
13:07
green burial options including natural burial, the use of biodegradable urns, and other
13:15
options. There's other organizations such as Betterplaceforests dot Com. So something to definitely
13:22
look into because we are seeing a lot of people look that direction. Another
13:26
trend we see is COVID nineteen. Since the pandemic, we're seeing the virtual
13:31
virtual funeral services continue and so sometimes it's out of necessity, but most funeral
13:39
homes now do offer some streaming services. And what's really nice with that is
13:45
because you know, oftentimes elderly people, cousins, brothers, sisters, they
13:50
want to be able to attend, but maybe physically they can't, So having
13:54
those streaming services available, I've seen a lot of families doing it for graduations
13:58
now as well. That can really help people, especially if they happen to
14:01
be having health issues at the same time. So that's a positive trend I
14:07
think for a lot of people. But the second step in funeral planning is
14:11
obviously deciding how to budget for this. And just like we talk every single
14:18
week about how we need a budget for retirement, this is a cost and
14:22
it's a real cost. So speaking about what you might pay, on average,
14:26
a typical burial service will cost anywhere between seven and ten thousand dollars.
14:33
Median cost is about seventy eight hundred. At the same time, a cremation
14:39
cost cost will be around fifteen hundred to five thousand, and again, as
14:45
CJ mentioned, there's always so many options. We've seen cremations cost as much
14:50
as burial services. So if you are going to include all the bells and
14:54
whistles that you want, which is great, there might be a higher price
14:58
tag than what I'm quoting. And finally, if you consider donating your body
15:01
to science, that will usually cost nothing, so that's something to look into
15:05
as well if you're inclined to do that. We like to give a shout
15:09
out to prices in Wisconsin because a lot of our listeners come from there.
15:15
Average price in Wisconsin for burial is around eight thousand, nine hundred dollars and
15:22
for a full service creation around sixty seven hundred. So you're going to need
15:26
to factor into this funeral service if there's gonna be a hearse involved a funeral
15:33
home service fee, a casket, a headstone, a burial plot. Do
15:37
you want to viewing staff fees for any of those services? And as CEJ
15:43
mentioned, we really really, you know, we're not necessarily saying people have
15:46
to pre pay, but to pre plan really does help, because what we've
15:50
seen is that many families tend to overspend on funerals due to the emotional impact.
15:58
It's a lot just to go through mental let alone having to make financial
16:02
decisions. And so we sit with clients and we usually hear our male clients
16:07
say just throw me in a box, and the wife is sitting there going
16:11
no, I would never do that. Well, part of it's, you
16:15
know, a cost factor perhaps, So really having those plans in place beforehand
16:21
helps everybody. You should also know your rights, and this is an important
16:26
feature of Federal Trade Commission. They introduce the funeral rule way back in nineteen
16:32
eighty four that gives you the right to buy only by the goods and services
16:36
you want. Therefore, even when you go to a funeral parlor, they
16:41
will get there required to give you an itemized statement of all goods and services.
16:47
So that's so important because we don't want to see you feed in areas
16:51
that maybe you didn't even want. As we talked this morning with CJ.
16:55
Colss and Maliaquavis. As Malia mentioned there are some costs here, you may
16:57
be wondering how to pay for those costs. The options out there, We're
17:00
going to get those from Malia in just a moment right now, though,
17:03
if you've got a question, got time to get you on their six oh
17:04
eight three two one thirteen ten. The website for Class Financial it is coss
17:08
Financial dot com. That's k l a A S Financial dot com. Telph
17:11
number six oh eight four four two five six three seven. No charge for
17:15
that initial get to know you appointment at Loss Financial. It will be complimentary
17:19
to you again the number six O eight four four two five six three seven.
17:22
We'll continue our conversation with CJ and Mollien. We'll talk about paying for
17:26
use those expenses. We'll get the details on some of the options there and
17:30
do the Class quiz question a week and take your call next. Does Money
17:33
in Motion with Coss Financial continues here on thirteen ten Wi b A talking with
17:41
our retirement planning professionals CJ. Coss and Malia Quavis. Of course they come
17:45
to us from Class Financial the web side Coloss Financial dot com that's Coss k
17:48
l a As Financial dot com and their telephone number six oh eight four four
17:53
two five six three seven. No charge for that initial get to know you
17:57
appointment at Loss Financial. It will be complimentary to you again. They're number
18:00
six oh eight four four two five six three seven. Talking this week about
18:06
funeral planning and the importance of really doing your family and loved ones and friends
18:11
of favor by having these these things in place. If you listen to this
18:14
program for any amount of time, you know Malia and CJ are both planners.
18:18
Planning is a big important and for good reason. They see at firsthand
18:21
of what happens when folks don't plan properly. And Malia, in that last
18:23
segment we were talking about the average costs for a funeral in Wisconsin and of
18:29
course across the country, those can be big numbers for folks. They say,
18:33
well, how should I then pay for those costs? Yeah, so
18:37
normally the first thing that comes to mind is is well I have life insurance
18:41
and that's going to pay for it. And honestly, we typically see that's
18:45
a very popular option because it affords some immediate protection. So many people carry
18:52
older life insurance policies into retirement exactly for that purpose. Now, the funeral
19:00
funeral director does not really care where the money comes from, or maybe clear
19:03
on that they don't care if it's coming out of a bank, out of
19:06
a life insurance policy, from your investments. That's not really what's important here.
19:11
What's important is is do your loved ones have immediate access to be able
19:15
to pay for this because life insurance doesn't just show up the next day in
19:19
your mailbox. Okay, so you really want to plan ahead, make sure
19:23
you have people that can access funds to pay for really what is unplanned,
19:30
even though we know it's going to happen. So the life insurance, you
19:34
know, sometimes we see this on TV. There's burial insurance for seniors or
19:40
final expense life policies. Those are a little different. Sometimes those policies are
19:45
particularly helpful for people over eighty who might not be able to qualify for a
19:48
traditional life insurance policy. So life insurance definitely is probably number one and how
19:56
these costs will eventually be paid for. Another option is setting aside money for
20:02
your funeral. We call these sinking accounts or sinking funds that our clients have
20:07
put away at a bank a certain amount that they know will cover the expense
20:11
at the time they pass away. So you know, the obvious drawback to
20:15
that option is that if you're funding it monthly and you pass away before you
20:18
saved enough, your family's going to have to come up with a difference,
20:22
right, So you want to set asite enough that you feel will cover what
20:25
you need. You know, something you can do with a specific funeral home
20:30
is established a pre need contract. So basically you design your funeral service with
20:36
them and they tell you how much it's going to cost. They will often
20:38
want to sell you some life insurance to back that as well. So many
20:42
people do do that and they do make payments toward that. And again we're
20:48
not opposed, but we are not critical about just pre planning and not necessarily
20:53
pre pain. That is each person's decision. And then, finally, as
20:57
I mentioned funds funds for your state, wherever it comes from, you're going
21:02
to need to rely on your family liquid aiding some of your investments to pay
21:06
for this. The final expenses could be an ambulance trip, et cetera,
21:10
et cetera. So we want to make sure it's as easy as possible for
21:14
family members to be able to pay for what is inevitable and just make a
21:18
plan on how you you want to do that. Great tips this morning Melia
21:22
Quavis and CJ. Closs. They are our retirement planning professionals from Class Financial
21:26
talking this week about funeral planning. We're going to talk about some of the
21:30
other things to think about when it comes to the funeral funeral planning process.
21:33
This morning and Money in Motion with COSS Financial. Their website colssfinancial dot com.
21:37
That's coss k l aas Financial dot com. Great website, Class Financial
21:42
dot Com. Telephone number six so eight four four two five six three seven.
21:45
No charge for that initial get to know your appointment Ach Loss Financial.
21:48
It will be complementary to you. They're number six O eight four four two
21:52
five six three seven. We'll talk about some of the other tips for funeral
21:56
planning process, what you need to know Wilso the Class quiz week. We
22:00
will do that next as Money in Motion with Class Financial continues here on thirteen
22:03
ten WIBA talking with our retirement planning professionals CJ. Closs and Malia Quavis.
22:11
Things can happen in the blink of an eye, so you want to be
22:15
prepared. As we talk about, of course regularly retirement planning and those type
22:18
of things, it's never too early to get that stuff going. You never
22:22
know, And of course we talk about funeral planning as well. It's important
22:26
to start that conversation, start that planning as soon as you can. And
22:30
as we talk with Cjmlie, if you've been to the website recently, you
22:32
can learn more about Class Financial the team. You can also learn about their
22:34
separate divisions and sign up for the weekly Market Pulse newsletter all at classfinancial dot
22:38
com. Tell number six oh eight four four two five six three seven.
22:42
No charge for the initial get to know you appointment at Lass Financial. It
22:45
will be complementary to you. Again, they're number six oh eight four four
22:48
two five six three seven. So CJ. As we kind of round this
22:52
program out in this week's show out, what are some of the other tips
22:56
you can suggest to help us kind of complete that funeral planning process. So
23:00
I want to start by just emphasizing what Malia just mentioned there, I do
23:04
think thinking about the way you're going to fund the funeral, whether you're just
23:08
planning and then funding later, or whether you're funding ahead of time, it
23:12
is an important consideration, especially if there's the potential for you to run out
23:17
of money before you run out of life. Then this idea of oh,
23:21
how can I prepay to make sure that if I end up in a nursing
23:23
home, you know, I still have my funeral services paid for. So
23:27
many things that consider there. Talk to your financial advisor, your accountant,
23:32
or even a funeral director or what they call an advanced planning specialist at a
23:36
funeral at a local funeral home, and they can help you with that.
23:41
But to kind of answer your question, Sean, we would suggest you write
23:44
down your wishes and gather some of the following items and place them in a
23:48
folder. Whether it's a physical folder or a digital folder, that doesn't matter.
23:53
And perhaps, as I just mentioned, visit your local funeral director so
23:57
they have your wishes recorded. But either way, make sure that these items
24:02
I'm about to tell you about are kept in a safe place that your family
24:04
knows about so that they can follow your instructions when the time comes. So
24:11
first things first, consider having some photos maybe of you, your spouse when
24:15
you're a child. Just pick it doesn't need to be a ton, by
24:18
the way, pick you know, a few dozen photos and put them in
24:22
a box somewhere your life story. Nobody knows your story better than you.
24:26
Don't leave it to your family to get all the facts right as we age,
24:30
even our spouses won't always remember what year we graduated from high school,
24:34
or our job titles or other details of our life. So truly, it's
24:38
like it's kind of like prepping for your tax return. You don't do it
24:42
all, you know, in February or March, at least, anybody who
24:47
wants to stay sane doesn't do it that way. You take this information and
24:51
just set it aside throughout the year and do a folder, and then when
24:53
the time comes you need to follow your taxes, you just kind of pick
24:56
up the folder and give it to your accountant. So, in a similar
25:00
way, planning for your eventual death doesn't need to be a oh boy,
25:03
I've got to spend this entire weekend doing this massive project. It can be
25:07
just this idea of like, nope, I'm going to begin planning, and
25:11
over the course of the next number of years, I'm going to set aside
25:15
this kind of information, including my life's story. I will just write portions
25:21
of it as it plays out. Your next item would be your burial plans.
25:25
Again, talk about where your final resting place might be, and then
25:29
buy the plot now so that your family won't have to guess if you wish
25:33
to be buried, or how you want to be buried, so on and
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so forth. Consider your service preferences, music, flowers, reading of scripture,
25:42
eulogy, or none of the above. Maybe you don't want much for
25:47
services. If you talk to a to a funeral home, they'll admit where
25:52
people well two things. They will admit that the greatest cost of your death
26:00
will be related to the services that you hold bar none right. If you
26:03
want calling hours as they have it, if you want viewing hours, if
26:10
you want a full funeral service. This is where the costs go up,
26:14
because now you have to rent the place where this is going to happen,
26:18
you have to have staff on site. The costs really go up. However,
26:22
the funeral home would also tell you the following, this isn't about you.
26:26
I often have to Malia mention that men will often say, Jah,
26:30
just throw me out in the woods, you know, cremate me and throw
26:33
me in water somewhere or something like that, and I go, hold on,
26:37
this was never about just you. It's about the memory of you.
26:41
So really, this is about other people getting to come together to grieve and
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to have closure. If you've ever heard of somebody who died and then just
26:51
got cremated and there was no service, you'll often speak to family members and
26:55
they'll say, it doesn't even feel real because I never participate. I never
27:00
saw. There was never final conversation, there was no service, there was
27:03
nothing. What you're doing by not having any services is you're eliminating the grieving
27:08
process, and that has some real internal problems. So I would just highly
27:15
encourage you to be cautious of just thinking, Ah, it doesn't matter,
27:18
We'll just you know, cremate it and I'm going to be thrown into the
27:19
woods somewhere. It was never about you in the first place. You're gone.
27:26
It's about giving people the opportunity to celebrate the life that you lived,
27:30
to find closure of your death. The next item would be contact lists.
27:34
Consider having a contact list that your family knows where that that resides, whether
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it be a physical or electronic contact list, so that they can easily just
27:41
invite your friends and family members and then just consider again lining out as many
27:47
of those details is possible. You know, similar to like a wedding planner,
27:52
a funeral planner has so many options that you just want to try to
27:56
get those details lined out ahead of time. Music, how it's going to
28:00
be paid for, the photos, the life story, so on and so
28:03
forth. So listen, I know most of your your your eyes are rolling
28:07
in the back of your heads, going, oh man, did I really
28:11
want to talk about funeral planning? Listen. I just cannot suggest it enough.
28:17
If you, If if this matters to you, about limiting conflict within
28:21
your family and making it a life giving instead of a life sucking process,
28:26
your pre planning will pay huge diffidends to your family. Really good guidance this
28:30
morning from CJ. Closs and Malia Quavis. They are our retirement planning professionals
28:34
from Class Financial. The website is class financial dot com. That's Coss k
28:38
l A A S Financial dot com. Their telephone number six oh eight four
28:42
four two five six three seven No charge for that initial get to know you
28:45
appointment at COSS Financial eight will be complimentary to you again their number six oh
28:49
eight four four two five six three seven. Want to hold on to that
28:52
telephone number as well. Now it's time for the COLSS Quiz Question a week.
28:56
It works like this. In just a moment, I'll ask you the
28:57
class quiz question week. You will then have thirty minutes from the today's program
29:00
to call the Class Financial office right here in Madison at six oh eight four
29:04
four two five six three seven. If you are the first car correct answer,
29:08
he will win this week's prize, which is a twenty five dollars gift
29:11
card to Starbucks. This week's class quiz question the week is this in the
29:17
US, what percentage of Americans choose cremation over burial in twenty twenty three?
29:23
Was it forty percent or over sixty percent that choose cremation? Telphone number six
29:29
O eight four four two five six three seven. Again, that's Class Financial's
29:33
office right here in Madison. First call with correct ance win that twenty five
29:36
dollars gift card to Starbucks. CJ. Maleia, It's always great chatting with
29:40
you guys. Enjoy this fantastic day and have a fantastic weekend. Thanks Joe,
29:45
Thanks Sean, thank you guys. News comes your way. Next here
29:48
on thirteen ten, Wiva