New Jersey Prepaid Funeral Trust Fund

The New Jersey State Funeral Directors Association, Inc. (NJSFDA) and the New Jersey Prepaid Funeral Trust Fund™ (NJPFTF) are committed to transparency and full compliance with all state and federal laws and regulations, as well as to the highest ethical standards in its operations.  

Participation in the NJPFTF™ is limited to funeral directors who are members in good standing of the NJSFDA and who have agreed to abide by the high consumer protection standards set by the fund’s Board of Trustees.

Trustworthy Management

The NJPFTF is managed and governed by a knowledgeable and professional staff and a volunteer Board of Trustees made up of NJSFDA member funeral directors.

The Board of Trustees includes:

  • Samuel Arnold, Chair
  • John K. Baltz
  • Frank Galante
  • Mary Ann Gosselin, CFSP
  • Franklin P. Jackson 5th, CFSP


  • George R. Kelder Jr., CFSP, NJSFDA CEO/Executive Director
  • Barbara Guinta, NJSFDA Chief Operating and Financial Officer

All funds are deposited in a state or federally chartered bank, with each New Jersey Prepaid Funeral Trust Fund™ (NJPFTF) account fully insured by the Federal Deposit Insurance Corporation (FDIC) in the name of the purchaser up to the maximum amount allowable by law (up to $250,000).

All funds are invested in jumbo certificates of deposit that allow the trust to offer competitive interest rates and growth from the day of deposit. The trust fund meets all federal and state regulations for prearrangements, and also meets the requirements for SSI, Medicaid, Work First New Jersey and Work First New Jersey General Assistance resource exclusions.