Burial & Cremation Planning

How to Plan a Funeral: A Step-by-Step Guide for 2025

Get the step-by-step roadmap that takes the guesswork out of funeral planning, even when you're overwhelmed

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Matt Harper
Funeral Planning Expert
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June 21, 2025
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12 min read
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First of all, here's the guide

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Follow a step-by-step framework that shows you exactly what needs to be decided when, so you can focus on what matters most.

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The Bottom Line

After working as an assistant funeral director for several years, I've sat with hundreds of families during their worst moments. The question I hear most? "What do I do first?" It's always asked with that same mix of panic and exhaustion.

Here's what I learned: funeral planning isn't as overwhelming as it seems when you know what actually needs to happen when. Most families think they need to decide everything immediately—but that's just not true. You've got time for the decisions that matter.

Quick Overview:

Right Now (0-24 hours) This Week (1-7 days) When You're Ready
Verify death, call funeral home, choose burial vs cremation Plan service details, write obituary, handle paperwork Memorial items, thank you notes, grief support

What You Need to Do in the First 24 Hours

The first day feels impossible, but you only need to handle a few urgent things. Everything else can wait, no matter what anyone tells you.

Your immediate to-do list:

  • Get an official declaration of death (if at home, call 911 or hospice)
  • Contact a funeral home to arrange body transportation
  • Decide between burial or cremation (this affects next steps)
  • Start gathering important documents if you can
  • Let immediate family know

That's it. You don't need to choose flowers, write an obituary, or plan a whole service right away. Those decisions can wait until you've had a chance to breathe and think clearly.


Understanding Your Service Options

From my experience helping families, most people don't realize how many different ways you can honor someone. The "traditional funeral" isn't your only option—and it's often not the best fit.

Here's what's actually available:

Service Type What's Included Typical Cost Range
Traditional Funeral Viewing, ceremony, burial/cremation $8,300 - $15,000+
Memorial Service Ceremony only (no body present) $3,000 - $8,000
Celebration of Life Informal gathering, often at home/venue $1,000 - $5,000
Direct Burial/Cremation No service, just body disposition $1,000 - $3,500

The key is matching what you choose to what the person actually wanted—not what you think you "should" do.


Worried About How Your Family Will Pay for All This?

Most funerals cost $8,000-$15,000, and that financial stress is the last thing your family needs during grief. Final expense insurance can cover these costs for as little as $20-40/month, giving you peace of mind today.

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What Funerals Actually Cost (And Where Your Money Goes)

Let me be straight with you about costs—most families are shocked by funeral prices, and that shock makes everything harder when you're already struggling.

Here's the realistic breakdown:

Expense Category Typical Cost Money-Saving Tips
Funeral Home Services $2,000 - $5,000 Ask for itemized pricing, shop around
Casket/Cremation Container $800 - $8,000+ Buy online, consider rental for viewing
Cemetery/Burial Plot $1,000 - $7,000+ Public cemeteries cost less than private
Extras (flowers, headstone, etc.) $500 - $3,000+ These add up fast—set a budget first

**Pro tip from the funeral home:** The Federal Funeral Rule requires funeral homes to give you itemized prices over the phone. Use this to compare before you walk in the door.


Choosing a Funeral Home (And What to Ask)

Not all funeral homes are the same—and you're not stuck with the first one you call. Here's what matters when you're choosing:

Essential questions to ask:

  • Can you email me an itemized price list before we meet?
  • What's included in your basic service fee?
  • Do you allow families to provide their own casket/urn?
  • What are your payment options and policies?
  • How quickly can you retrieve the body and start arrangements?
  • Can you handle all the death certificate paperwork?

**Red flags:** Pressure to decide immediately, refusing to discuss prices over the phone, or pushback when you ask about bringing your own casket.


Legal Stuff You Need to Handle

The paperwork side isn't fun, but it's straightforward if you know what to expect.

Documents you'll need to find:

  • Birth certificate
  • Social Security card
  • Marriage certificate (if applicable)
  • Military discharge papers (for veteran benefits)
  • Insurance policies
  • Any pre-planned funeral arrangements

**About death certificates:** You'll need multiple copies (usually 10-12). The funeral home can order these for you, or you can get them directly from the vital records office for less money.


Common Mistakes That Make Everything Harder

Having worked with so many families, I've seen the same mistakes happen again and again. Here's how to avoid them:

Common Mistake Why It Happens How to Avoid It
Choosing the most expensive options Guilt and pressure from funeral home Set a budget before you visit
Not shopping around Assumption you must use nearest funeral home Get prices from 2-3 places
Trying to plan everything alone Feeling responsible for everything Delegate tasks to family/friends
Ignoring the deceased's wishes Family pressure or tradition Ask "What would they have wanted?"

When Family Members Disagree

This is probably the hardest part of funeral planning—when family members have different ideas about what should happen. I've seen families split apart over these decisions, and it's heartbreaking.

Strategies that actually work:

  • Start with what you know the person wanted (if anything was discussed)
  • Focus on honoring them, not pleasing everyone
  • Assign specific tasks to give everyone a way to help
  • Set a spending limit everyone agrees on before making decisions
  • Remember that perfect is the enemy of good

**When push comes to shove:** The person legally responsible for arrangements (usually next of kin) gets to make the final decisions. But it's worth trying to find common ground first.


Need Help Making Decisions as a Family?

Our "Family Decision Framework" includes conversation scripts and conflict resolution strategies specifically for funeral planning situations.

Download Your Free Framework

Planning the Service Details

Once you've handled the big decisions, you can focus on creating a service that feels right for your person.

Key elements to consider:

  • **Location:** Funeral home, church, graveside, or somewhere meaningful
  • **Timing:** Consider travel time for out-of-town family
  • **Music:** Their favorites, religious hymns, or something in between
  • **Speakers:** Who they'd want to hear from (keep it to 3-4 people max)
  • **Personal touches:** Photos, mementos, their favorite flowers
  • **Reception:** Simple refreshments or full meal, depending on your crowd

**Remember:** You can always have multiple gatherings. A small graveside service for immediate family and a larger celebration of life later gives everyone a chance to participate.


What About Pre-Planning?

If you're reading this for yourself or thinking ahead, here's what's worth planning in advance:

Definitely Plan Ahead Can Wait Until Later
Burial vs. cremation preference Specific flower arrangements
Preferred funeral home or cemetery Exact service details
Basic budget or insurance to cover costs Guest list and invitations
Who you want to handle arrangements Menu for reception

The Reality Check

Here's what I want you to know after helping hundreds of families through this: there's no such thing as a perfect funeral. There's only what feels right for your family and what honors the person you've lost.

Some services are beautiful and go exactly as planned. Others are chaotic but full of love. Both can be exactly what they need to be. The goal isn't perfection—it's saying goodbye in a way that brings some peace.

Don't let anyone pressure you into decisions that don't feel right. Trust your instincts about what your person would have wanted. And remember that how you honor someone isn't measured by how much you spend or how fancy the service is.


Matt Harper spent several years as an assistant funeral director before transitioning to writing about end-of-life planning. He's worked with hundreds of families to create simple, honest guides for people who just want straight answers during difficult times. When he's not writing, Matt's usually trail running, drinking too much coffee, or helping his parents sort through their mail.

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