PrePlan™s established in New York State can be structured in several ways. Consult your tax or legal advisor, or your Gutterman's professional to decide what is most appropriate for you. New York PrePlan™ Features: • Your account is administered by the New York State Funeral Directors Association and supervised by the New York State Department of Health, Bureau of Funeral Directing. • An individual account is held in the purchaser's name, and insured by the FDIC. • Revocable contracts are fully refundable to purchaser with all accrued interest. • Irrevocable contracts can be written to comply with NY State regulations regarding SSI/Medicaid eligibility. • Irrevocable contracts can be transferred to any funeral provider in the USA. • PrePlan prices are guaranteed if the contract has been paid in full (excluding cash advance items). The PrePlan™ account earns a very competitive rate of interest which enables Gutterman's to guarantee the price of a funeral by using the interest to cover future increases in our costs. Prearrangements established in Florida do not earn interest, but offer the security of guaranteed prices and a hedge against inflation. If you are a resident of New York and Florida, we suggest you consult your tax or legal advisor or your Gutterman's professional, to decide where to establish your prearrangements. Features of Florida Prearrangements • Funds are trusted by Gutterman Warheit Memorial Chapel in approved U.S. Government & Treasury Bonds. • Contracts are closely monitored by the Florida Dept. of Banking and Finance and must follow strict guidelines regarding all aspects of selling and servicing their contracts. • Contracts may be cancelled at any time, and all principal funds are refundable to the purchaser. • Payment plans are available and can be tailored to fit the needs of individuals.				In the wake of a loss, family members are overwhelmed with grief and sadness. Yet precisely at this time of emotional upheaval they will be required to make countless important decisions. The responsibility of making funeral arrangements is a significant one. If you have not been clear about your final wishes, if your family has to guess what you "would have wanted," the process becomes even more difficult. Pre-arrangements, commonly known as a PrePlan™, can remove all the guesswork. A PrePlan™ allows you to make sensitive decisions and thoughtful choices about your funeral — and put them in writing — when you are relaxed and thinking clearly. In consultation with our professional directors, you will be able to review all your options and establish a permanent record of your preferences. The peace of mind that comes from making final decisions ahead of time is a great gift to your family. At Gutterman's, our directors and counselors are personally involved with each pre-arrangement. When allowing Gutterman's to discuss pre-planning, you will be speaking with professional people who provide funeral services tailored to your specific needs. We can arrange for a confidential PrePlan™ conference, at your convenience, with a member of our staff. There is no charge and no obligation for this meeting. There are slight differences between PrePlan™ accounts established in New York and those established in Florida. If you reside in New York and in Florida we suggest you consult your tax or legal advisor, or your Gutterman's professional, to determine what option is most advantageous for you. No matter where you establish your PrePlan™ account, it allows you to freeze the price of the funeral services you choose at today's prices. With funeral costs rising an average of 5% per year, pre-arrangements are a hedge against inflation and should be a cornerstone of your personal financial plan. Through pre-arrangements, your wishes will be fulfilled wherever you live. If you currently live in New York but prefer to be buried elsewhere, Gutterman's can take care of all the arrangements. We service your needs throughout New York, Florida, the U.S., Canada, Israel and worldwide. Life brings changes to every family, some anticipated some unanticipated. If you ever need to make changes in your arrangements, we respect your wishes at all times and will be happy to accommodate you. Simply call us.