Required deposit percentage
Each contract's required deposit is calculated per the statutory percentage (e.g., 100% of trust-funded contracts in Florida) and verified against actual trust deposits.
The most rigorous preneed trust compliance pack an independent funeral home can file.
Preneed Trust Compliance Engine assembles a documentation-complete annual trust compliance pack — every contract reconciled, every deposit verified, the state-mandated report and CPA-ready audit workpapers — checked against the letter of your state's preneed statute before a specialist releases it.
Every state's preneed trust statutePer-contract required-vs-actual funding reconciliationTrust-account · custodian · insurance-assignment statement ingestionSpecialist release on every pack5-business-day SLA
Why packs fail
A single underfunded contract can trigger a state audit, license revocation, or kill a sale.
A funeral home's preneed trust compliance is only as strong as the reconciliation behind it. Miss a single contract's required deposit, fail to match a trust-account statement to the ledger, or mis-time the annual report — and the state can audit, fine, or revoke your license. In M&A due diligence, an underfunded trust is a deal-breaker.
Most independent funeral homes run this by hand, from memory, once a year. The statute has not been read end-to-end since the last time it mattered. That is exactly where compliance gaps hide.
Preneed Trust Compliance Engine exists to close that gap with a single, exhaustive standard applied identically to every file.
$21M
Wisconsin Funeral Trust shortfall affecting ~10,500 consumers
The benchmark
Measured against the letter of your state's preneed statute — subsection by subsection.
We do not summarize the law and hope. Every pack is scored against a versioned rule pack tied to the exact text of your state's preneed trust statute. These are the provisions each pack is held to.
Annual trust report
The state-mandated annual report is drafted with all required schedules, including contract listing, trust balance, and reconciliation of deposits.
CPA-ready audit workpapers
Workpapers are prepared in accordance with AICPA standards, including trial balance, contract detail, and trust-account reconciliations, ready for independent CPA attestation.
Per-contract reconciliation
Every preneed contract is individually reconciled against trust-account statements, custodian statements, and insurance-assignment documents.
Underfunding flagging
Any contract where actual deposits fall short of required funding is flagged with a deficiency notice and a recommended cure timeline.
Filing deadline compliance
The pack is timed to ensure the annual report and CPA workpapers are delivered at least 30 days before the state filing deadline.
How a pack is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Compliance Gap Scan
Upload your contract ledger, trust statements, and prior-year report. We return a free completeness read: which contracts are reconciled, which deposits are missing, and what your state requires.
02
Statement ingestion & reconciliation
As your authorized clerical agent, we ingest trust-account, custodian, and insurance-assignment statements and reconcile each contract's required-vs-actual funding.
03
Grounded drafting
The annual trust report and CPA workpapers are drafted from your validated data and the state-specific rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
Every contract's required deposit is verified against the statutory percentage; the trust balance is reconciled to the penny; any underfunding is flagged; the filing deadline is checked. Any failure blocks release.
05
Specialist release
A compliance specialist reviews the exception queue and signs the release. High-value or multi-state operators route to attorney review first.
06
Delivery
You receive the pack: reconciled contract ledger, annual trust report, CPA-ready workpapers, deficiency notices, and a filing calendar — ready for your CPA's attestation and state submission.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No pack ships without a human signature.
5 days
Standard SLA
From complete intake to released pack.
<1%
Critical-defect target
Tracked against a gold-standard pack library.
50
State statutes covered
Every state's preneed trust rules, updated annually.
Why Preneed Trust Compliance Engine
Built to be the most thorough option a funeral home has.
Documentation-complete, by design
The deliverable is completeness itself — every contract reconciled, every deposit verified, every state requirement met or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A reconciliation error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run reconciliations as your clerical agent. We never give legal advice, contact your customers, or file reports on your behalf without your approval.
Engagement
Flat fee, per annual pack. No hourly billing, ever.
Simple, predictable, and aligned with a compliance standard — not a percentage of trust assets.
- A free Compliance Gap Scan before you commit — see exactly what is missing.
- One flat fee per annual Trust Compliance Pack; disclosed pass-through CPA review costs if applicable.
- Optional multi-state add-on for operators with locations in multiple states.
- Optional continuous monitoring add-on for quarterly underfunding alerts between annual filings.
FAQ
Questions, answered precisely.
Is Preneed Trust Compliance Engine a law firm?
No. Preneed Trust Compliance Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. CPA review is available and recommended where state statute requires an independent CPA attestation.
Do you contact my customers or file reports on my behalf?
Never. Preneed Trust Compliance Engine does not contact your customers or file reports with the state. You remain the responsible party for all filings. We prepare the documentation; you review and submit.
What makes a pack 'complete'?
Completeness is defined by your state's preneed statute: every contract reconciled, required deposits verified, annual report drafted with all schedules, CPA workpapers prepared, and any underfunding flagged. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released pack. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per annual pack, plus disclosed pass-through CPA review costs if applicable. No hourly billing and no percentage of trust assets.
See what's missing before the state does.
Start with a free Compliance Gap Scan. Send your contract ledger and trust statements and we'll return a completeness read against your state's preneed statute.
Documentation-completeness service · not legal advice · you file every report.