Frances L. Jackson, of Waterloo, passed away on Wednesday, November 4, 2026, at Harmony of Waterloo, at the age of 88.

Born on October 1, 1938, in Lexington, Mississippi, Frances Louise Pernell was the daughter of Jack and Millie (Ammons) Pernell. She attended Ambrose Vocation High School in Lexington and accepted Christ at an early age at Epworth Church, where her faith began to take root and remain a steady presence throughout her life.

In time, Frances moved to Waterloo to live with her sister, Eloise Pugh. It was there that she was introduced to the love of her life, Henry Jackson. The two were married on October 25, 1958, in Preston, Minnesota, and together they built a life centered on love, family, and devotion. They made their home in Waterloo, where they raised their family and where Frances was a member of Koinonia FGB Church. Their marriage was a lasting and beautiful one, and they shared 59 wonderful years together before Henry’s passing in 2017.

Frances worked in domestic housekeeping for the Ramada Inn and Ellis Hotel in Waterloo, and she was also a devoted homemaker who cared deeply for her family and home. She was known as a quiet but loving woman, with a unique sense of humor and a playful streak that could surprise those around her. She enjoyed fishing, gardening, and tending to plants, and she especially loved her Pepsi. Those simple joys, along with her warmth and steady presence, made her deeply cherished by the people who knew her.

She was preceded in death by her beloved husband, Henry Jackson; her parents, Jack and Millie Pernell; and five brothers and four sisters.

Frances leaves to treasure her memory her daughter, Anora “NeNe” Martin of Minneapolis, Minnesota; her grandchildren, Anaiah Martin and JaNaiah (Henlee) Martin both of Minneapolis, Minnesota; her loving and concerned sister, Mabel Rule of Lexington, Mississippi; her sisters-in-law, Sheila Myles and Georgine Myles, both of Waterloo, Iowa; her “Loving-in-Law,” Bishop Helen M. Seenster of Waterloo, Iowa; and her very special nephew, Robert Lewis III, of whom she was especially fond of. She also leaves many nieces, nephews, cousins, extended family members, and friends who will remember her with love and gratitude.

A viewing will be held on Monday, November 9, 2026, from 10:00 to 11:00 a.m. at Parrott & Wood Chapel of Memories, 965 Home Plaza, Waterloo, Iowa 50701. A Homegoing Service will follow at 11:00 a.m. at the same location.

Frances will be remembered for her gentle spirit, her quiet humor, her love for her family, and the enduring faith that carried her through life. Her memory will remain a blessing to all who knew and loved her.