How to Talk to Your Family About Final Wishes

Having conversations about death and final wishes isn’t easy, but it’s one of the most important gifts you can give your family. When families discuss end-of-life preferences ahead of time, it eliminates guesswork during an already difficult period and ensures your loved one’s wishes are honored.

Whether you’re thinking about your own preferences or need to have this conversation with aging parents or relatives, we’ll guide you through approaching these discussions with sensitivity, clarity, and confidence.

Need Support? Talk to an Everis funeral specialist 24/7 for guidance on facilitating these conversations and exploring planning options.

Getting Started

Step 1: Choose the right time and setting

The environment and timing of end-of-life conversations significantly impact their success. Creating the right atmosphere helps everyone feel comfortable and open.

Ideal times to initiate the conversation:

• During quiet family moments (avoid holidays or celebrations)
• After attending a funeral or memorial service together
• When they naturally mention aging or health concerns
• During peaceful activities like walking or sharing a meal

Choose the right setting:

• Choose a private, comfortable space free from distractions
• Ensure no time pressure or interruptions
• Select a neutral location where everyone feels at ease
• Consider having the conversation during a calm, shared activity

Don’t bring it up:

• During periods of stress or family conflict
• In the midst of health emergencies or crises
• Immediately following a recent loss or tragedy
• When emotions are running high

Step 2: Start with your own wishes

Begin by reflecting on your own wishes to get in touch with what truly matters to you. When you start the conversation, this will naturally make the discussion collaborative, rather than confrontational. 

Share your own thoughts first:

• “I’ve been thinking about what I’d want when my time comes…”
• “I recently learned about different cremation options and wanted to discuss them…”
• “I want to make sure my wishes are clear so you don’t have to guess…”

Be specific about your preferences:

• Share your reasoning behind cremation or burial choices
• Describe your ideal memorial service style (religious, nature-based, celebration of life)
• Explain any special considerations that matter to you
• Discuss your thoughts on budget and financial planning

Step 3: Frame it positively

End-of-life planning should focus on providing clarity, peace of mind, and honoring what matters most. How you introduce the topic sets the tone for the entire conversation.

Start with positive language:

• “I want my final wishes to reflect the values that matter most to me…”
• “I’d like to make this easier for everyone by sharing my thoughts in advance…”
• “Let’s talk about how to honor what’s important to us for peace of mind…”

Avoid negative approaches:

• Dwelling on death or mortality
• Expressing fears about being “a burden”
• Focusing primarily on costs or financial concerns

Step 4: Make it a series of conversations

Don’t try to cover everything at once. Breaking the discussion into multiple conversations makes the process less overwhelming and more natural.

Suggested conversation flow:

First talk: Basic preferences (cremation vs burial, service style)

Second talk: Personal details (location, music, special requests)

Third talk: Practical matters (budget, documents, who to contact)

Ongoing: Update whenever life changes happen—moving, marriage, divorce, new grandchildren

The more you talk about these topics, the easier they become. Each conversation helps normalize end-of-life planning and ensures everyone stays on the same page.

Step 5: Cremation vs. burial preferences

This is often the first major decision and sets the foundation for everything else.

Start with gentle opening questions:

• “Have you ever given thought to what feels right to you—burial or cremation?”
• “Are there family traditions or religious beliefs that influence your preferences?”
• “What aspects of this decision matter most to you?”

Once they’re comfortable, ask about specifics:

• “How important are environmental considerations in your decision?”
• “Would you be interested in learning about eco-friendly options like carbon-neutral cremation?”
• “If you choose cremation, do you have thoughts about what should happen with the ashes?”

Interested in carbon-neutral cremation? Everis offers carbon-neutral cremation options including traditional flame cremation, aquamation and natural soil reduction. Talk to an Everis Guide to determine the option that’s right for you. 

Step 6: Memorial service wishes

Memorial services celebrate a person’s life while providing comfort and closure for those who are grieving. These gatherings can take many forms and should reflect the individual’s personality and values.

Start with gentle opening questions:

• “What kind of service feels meaningful to you—a formal funeral, celebration of life, or nature-based ceremony?”
• “How would you like people to remember and honor your life?”
• “Is there a particular location that holds special significance for you?”

Once they’re comfortable, ask about specifics:

• “Would you prefer an intimate gathering or something open to your broader community?”
• “Are there specific songs, readings, or traditions you’d want included?”
• “Who would you like to speak or share memories about you?”
• “Are there any personal touches or elements that would make the service uniquely yours?”

Step 7: Budget and financial planing

While discussing money can feel sensitive, addressing financial considerations is essential for realistic planning and preventing future stress.

Start with gentle opening questions:

• “Have you given any thought to the financial aspects of end-of-life planning?”
• “Would it be helpful to understand what different options typically cost?”
• “Do you have a general budget range in mind for these expenses?”

Once they’re comfortable, ask about specifics:

• “What matters most to you—keeping costs manageable or having specific services?”
• “Would pre-planning help with budgeting and securing today’s prices?”
• “Do you have life insurance or other resources that would cover these expenses?”
• “Are there family members who might want to contribute or be involved in planning?”

Making It Official

Step 8: Document everything

Once you’ve had these important conversations, creating written documentation ensures nothing is forgotten or misunderstood during emotional times.

Essential documentation:

• Letter of Instruction: Detailed outline of all specific wishes and preferences
• Important Documents: Gather birth certificates, Social Security cards, insurance policies
• Contact Information: List key people, account details, and professional advisors
• Personal Items: Instructions for meaningful possessions or heirlooms

Professional Planning Steps:

• Consult with an attorney about creating or updating wills and trusts
• Consider pre-planning services with a funeral provider
• Review and update beneficiary information on all accounts
• Ensure advance directives and healthcare proxies are current

Step 9: Share information with family

Once your plan is in place—make sure the right people know they exist and where to find them.

Give copies to:

• Your spouse or partner
• Adult children or closest family
• The person who will handle your estate
• Your emergency contact

Store documents safely but accessibly:

• Home safe or secure filing cabinet
• With your lawyer or financial advisor
• Secure cloud storage (password-protected)
• Give copies to multiple trusted people

Step 10: Review and Update

Preferences can change over time, so plan to revisit these conversations periodically.

When to review and update:

• Major life changes (marriage, divorce, moving)
• Changes in financial situation
• After attending other funerals or memorial services
• Every 3-5 years as a regular practice
• When new options become available in your area

Keep the conversation going:

• Check in annually: “Are your wishes still the same?”
• Share new information: “I learned about this new option…”
• Update documents promptly when preferences change
• Inform all relevant family members of any updates

Move forward with confidence

Having these conversations shows love and consideration for your family. Remember, there’s no perfect time to start, but starting is what matters. These discussions get easier with practice, and your family will appreciate your thoughtfulness in making these decisions together rather than leaving them to guess during a difficult time.

Ready to start the conversation? Connect with an Everis funeral specialist. Everis can provide information, answer questions, or help with planning conversations—no pressure, just honest support when you need it most. With full service carbon-neutral cremation at $4,150— everything included with no hidden fees—these conversations can focus on what matters most: honoring your loved one’s life and values.