The advantages of planning ahead

Planning your funeral in advance is a sensible way of ensuring your wishes are adhered to as well as sparing your family or loved ones unnecessary worry about arrangements in their time of grief.

There is no age limit. Young or old, the best time to plan is now. Planning leaves nothing to chance and gives you one less thing to worry about.

It is also important to realise that once your plan is made, you can make adjustments as your circumstances change. At Waimea Richmond we are there to help with your questions and concerns. Waimea Richmond Funeral Services was established in 1992 and continues to support the Richmond district and surrounding areas.

Waimea Richmond has access to a number of well-established and reputable prepaid plans.

Two main options – Pre-planning or Pre-paying

Pre-planned funerals: You may like, at this stage, to pre-plan your funeral without paying for it. You can choose the type of service you want. You make your wishes known to us in confidence and we record them. There is no charge for this service.

Pre-payment: At this stage you receive all the benefits of prepayment, exemption from asset testing and the fact that your funds are safe.

Pre-paid funeral funds are lodged in a specific trust, independent of Waimea Richmond Funeral Services and are fully secured with the bank. Funds deposited in the trust fund are secure and can be released only by the presentation of a death certificate.

Help protect your pension or income

Prepaid funerals are now excluded from Government asset testing for long-term residential care, so the amount you pay towards the funeral plan does not get assessed as part of your total assets. This means that there is no financial penalty for your careful planning. If you have to go in to rest home care any money you put in to the trust (up to $10,000) will not be used to pay for that care. The moneys are prepaid into a trust under the person’s name, and interest accrues/compounds back into that person’s trust fund.

Reduce the burden on your family

Because you have made many of the major decisions in the pre-planning process and because you have prepaid for the funeral, the financial and emotional burden on your family and loved ones is reduced.

Security of your investment

Prepaid funeral costs are lodged in a specific trust, independent of Waimea Richmond Funeral Services and are fully secured with the National Bank. Waimea Richmond acts as custodian of the trust and has no financial interest in the trust. In the unlikely event of anything happening to Waimea Richmond Funeral Services the Funeral Directors Association of New Zealand will become custodians.


Prepayment ensures that your express wishes are carried out. You can choose the type of funeral service you want, including readings, funeral celebrant, music, casket, slideshows, video, etc. You make these choices in your own time, free from the anxiety and stress that surrounds death.


Waimea Richmond Funeral Services can help you carefully document your wishes and you will receive a copy of your plan. However, it is important to realise that you are free to change the arrangements at a later time if you wish. If the funeral is to be in another town we can arrange for the funeral to be carried out by another FDANZ member.

Payment options

Waimea Richmond makes prepaying easy with a variety of payment options. You can pay for funeral expenses only. You can pay small regular or irregular instalments or you can pay by lump sum. Talk to Waimea Richmond about your options.