Obituaries

Dorothy Callander
B: 1927-09-15
D: 2017-12-16
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Callander, Dorothy
Marjorie Weiss
B: 1933-07-15
D: 2017-12-13
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Weiss, Marjorie
Howard Swatling
B: 1927-12-18
D: 2017-12-10
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Swatling, Howard
Domenick Carnevale
B: 1935-09-21
D: 2017-12-08
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Carnevale, Domenick
Rudolph Nikles
B: 1918-11-10
D: 2017-12-08
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Nikles, Rudolph
Dorothy Rehm
B: 1930-01-07
D: 2017-12-03
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Rehm, Dorothy
John Kruegler
B: 1927-10-08
D: 2017-12-01
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Kruegler, John
Charles Macy
B: 1923-03-20
D: 2017-12-01
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Macy, Charles
Charron VanDuren
B: 1955-12-04
D: 2017-11-26
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VanDuren, Charron
William Wulff
B: 1937-11-03
D: 2017-11-24
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Wulff, William
Debra Nichols
B: 1956-12-26
D: 2017-11-22
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Nichols, Debra
Phyllis Matthews
B: 1929-02-08
D: 2017-11-13
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Matthews, Phyllis
Lester Slade
D: 2017-11-12
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Slade, Lester
Kimberly Finn-Chura
B: 1966-02-02
D: 2017-11-12
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Finn-Chura, Kimberly
Pauline Lupo
B: 1936-06-28
D: 2017-11-09
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Lupo, Pauline
Thomas Herrick
B: 1964-05-08
D: 2017-11-05
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Herrick, Thomas
Andrew Lessard
B: 1963-11-30
D: 2017-11-03
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Lessard, Andrew
Gerard Chouinard
B: 1928-08-19
D: 2017-10-31
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Chouinard, Gerard
Donald Searle
B: 1943-08-26
D: 2017-10-30
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Searle, Donald
Mark Phillips
B: 1962-02-28
D: 2017-10-28
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Phillips, Mark
Shirley McCarthy
B: 1935-05-10
D: 2017-10-26
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McCarthy, Shirley

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133 Broad St.
WATERFORD, NY 12188
Phone: (518) 237-8296
Fax: (518) 235-8934

Pre-Payment Options

There are a growing number of options available to the public today when seeking to preplan and prepay their final wishes. We can tailor a plan that's right for you.

Pre-paying can protect you and your family from future inflationary trends while providing the piece of mind of knowing that they will be cared for after you are gone. Below you will find more detailed explanations of the plans that we have available. If you would like to request an appointment after you have reviewed this information, we would be pleased to have one of our staff go over any additional questions you might have.

As opposed to some other states, New York State requires that all monies be deposited into an interest bearing trust account established in your name. Our accounts are 100% FDIC insured, and you will receive a statement within 30 days to notify you that the account has been established. Thereafter, you will receive annual 1099 statements on the account as you would on any other interest bearing account. By doing this the principal plus the interest always remain wholly yours until the time of need.

The two types of pre-paid contracts that we establish are either a Revocable Trust or an Irrevocable Trust. A Revocable Trust is established in most cases. In this type of account:

  • You can withdraw the money from the account at any time and for any reason.
  • We guarantee our prices provided that the account is paid in full and the interest is left to accrue on the account.
  • At the time of need if there is a balance in the account greater than the cost of the funeral it will be refunded to the decedent's estate.
  • At the purchaser's request and if he or she is eligible it can be easily changed into an Irrevocable Trust.

An Irrevocable Trust is established for people who are eligible for Medicaid or Supplemental Security Income. In this type of account:

  • The funds in the account must be used for the purchaser's funeral expenses.
  • We guarantee our prices provided that the account is paid in full and the interest is left to accrue on the account.
  • At the time of need if there is a balance in the account greater than the cost of the funeral it must be refunded to the purchaser's county of residence.

**Please Note: That if you have already made your arrangements elsewhere and wish to transfer them to our funeral home, either type of account can be transferred at anytime for any reason. We would be glad to assist you.