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When you visit graveyard, You should say: “Al-salaamu ‘alaykum ahl al-diyaar min al-mu’mineen wa’l-muslimeen, wa innaa in sha Allaah bikum laahiqoon. Yarham Allaah al-mustaqdimeena mina wa minkum wa’l-musta’khireen. Nas’al Allaah lana wa lakum al-‘aafiyah. Allaahumma la tahrimna ajrahum wa la taftinna ba’dahum waghfir lana wa lahum (Peace be upon you, O dwellers of these abodes, […]

You can make Du’ah for a deceased whenever you want as you do for yourself.

After a person dies, he has no money as it all goes to those inheriting him except for the will if he had left one. Whatever a person gives for charity from his own money, this will benefit the deceased.

Nothing until he is buried. After that, he is questioned by the two angles and decided whether he will be blessed and favored in his grave or punished.