RequirementPerpetus.ai
MonthlyTrust deposits
Every consumer payment triggers a required deposit: 70% of services, 100% of cash-advance items, the greater of 30% / 110% of wholesale on merchandise. Due 30 days after the close of the month received. F.S. §497.458
Pre-assembled: deposit instruction with per-contract math, run nightly. Shortfalls surface as exceptions weeks before the deadline, never after it.
QuarterlyTrustee FMV report
The trustee values trust assets and delivers a fair-market-value report to you at least quarterly. F.S. §497.458(3)
Pre-assembled: the report is reconciled to your contract ledger on arrival; any variance between trustee records and your book is flagged the same day.
QuarterlyState remittances
Two per-contract remittances to two separate state trust funds, filed together within 60 days after quarter end: $6 to the Regulatory Trust Fund and $1 to the Consumer Protection Trust Fund for every contract written — $7 per contract. The $1 is the reduced floor currently in effect under §497.456(12)'s annual review (the fund balance has exceeded $1 million since 2023) and can revert to the higher $2.50/$5 tiers. A filing is required even in a zero-sales quarter. F.S. §497.453(6), §497.456 · Rules 69K-5.0024, 69K-10.003
Pre-assembled: contract census and the per-contract math pre-filled from the book of record, 30-day cancellations already excluded — review and submit.
Annually — April 1Preneed license renewal
The renewal packet — financial statements, per-trust sales statements, notarized certification, a net-worth test scaled to your outstanding contracts — is due to the Division by April 1. The license year turns over July 1; an unrenewed license expires and preneed selling stops. Late filings accrue $50 per day. F.S. §497.453(5) · Rule 69K-5.0026
Pre-assembled: the packet builds itself all year from documents already in the system, and the net-worth test runs continuously — it warns long before it becomes a renewal problem.
Annually — April 1Trustee’s annual report to the State
Your trust institution files its own annual report on the trust with the Division — trustee and licensee identity, the trust account, the beginning and ending balance, and the year’s receipts and disbursements. Your monthly statements should reconcile to it, line for line. F.S. §497.458(1) · Form DFS-N1-2183
Pre-assembled: every monthly reconciliation already rolls up to this filing, so the trustee’s year-end report and your book agree by April 1 — any variance was caught the month it appeared, not the following spring.
Biennially — Nov 30, even yearsEstablishment license
The funeral home’s own license renews by November 30 of even-numbered years, and the state inspects every establishment annually — with or without notice. A funeral director in charge must be designated at all times; changes are reported within 20 days. F.S. §497.380 · Rule 69K-21
Pre-assembled: renewal reminders begin months out, and the records an inspector asks for — contracts, case reports, displayed licenses — stay inspection-ready year-round.
Biennially — Aug 31, odd yearsDirector & embalmer licenses
Every funeral director’s and embalmer’s license in Florida renews on the same date — August 31 of odd-numbered years — with 12 hours of continuing education per cycle, including one hour on communicable disease. A lapsed license goes delinquent, then null. F.S. §497.378 · Rule 69K-17.0034
Pre-assembled: a staff license roster checked against the state database, with each licensee’s CE hours tracked quarters ahead — not discovered in August.
On noticeExamination & inspection readiness
Regulators may examine records with limited warning. Readiness is a standing obligation, not an event.
Pre-assembled: a continuously maintained audit binder — every contract, payment, deposit, and statement reconciled and exportable the day the letter arrives.
