Plan ahead for your funeral

The comfort of planning: Grandma Rose’s favorite hiking trail

Grandma Rose has always been an avid hiker and a true lover of nature. For the past 20 years, she has spent almost every Saturday hiking along the winding, wooded trails near her home.

Grandma Rose always packs a lunch to take along with her on her hike. Once she reaches the sparkling Mirror Creek about two miles into the woods, she takes a break to eat her sandwich and soak up the glorious sights and sounds of nature. Grandma Rose believes this is the most peaceful place in the world. This is where she would spend the rest of eternity if she had the choice.

As a matter of fact, Rose knows that she wants to be cremated, and she wants her ashes scattered at this very spot. She also knows that she wants to leave her beloved hiking gear to her granddaughter Maddie, who loves to hike almost much as she does.

Although Rose has mentioned her wishes to her son and daughters, she doesn’t want them to struggle to remember what she wanted when the time comes. She also doesn’t want to risk her children arguing over what she would’ve wanted or worrying about how they’re possibly going to pay for an expensive funeral.

That’s why she went ahead and made cremation prearrangements with her local funeral home. Rose’s family knows that when she passes, all they have to do is call the funeral home to set these arrangements in motion. This thought gives Grandma Rose and her entire family a sense of comfort and peace of mind. Without a worry in the world, Grandma Rose can relax and enjoy nature as she rests by Mirror Creek each Saturday.

Clark Legacy Center provides first-rate funeral planning services for the Lexington area to give families the ultimate peace of mind. Pre-planning your funeral ensures that your loved ones aren’t left to make difficult decisions during a painful time—and it also guarantees that your wishes are followed down to the smallest detail. Click below to learn more about our unsurpassed pre-planning services.


A Gift for Yourself and Your Family

Although it’s never pleasant to think about your own funeral, planning ahead is a wise choice. Pre-planning isn’t just something you should do for yourself—it’s something you should do for your loved ones.

Pre-planning ensures that your family won’t be left to plan your funeral. What if they aren’t sure what you would have wanted? Do they know if you wanted to be buried or cremated? What if they end up arguing with each other over the details?

Don’t put your loved ones in this painful position. By deciding on the details of your wishes now, you will save your family a lot of stress and heartache later. Additionally, when you pre-plan you’ll take comfort knowing that your wishes will be followed down to the smallest detail.

Here are just a few of the countless benefits pre-planning provides:
  • Make sure your family isn’t left with the stress of hastily planning a last-minute funeral.
  • Ensure that your final wishes are followed precisely.
  • Remove financial burden from your loved ones. Pre-planning allows you to lock in services and merchandise at today’s prices and avoid the rising costs of inflation.
  • Guarantee that your final arrangements will be handled even if you have no surviving family members left.

Pre-planning may seem like a daunting process, but Clark Legacy Center’s caring professionals can quickly and easily record your wishes. With four generations of funeral directors in the family, the Clark family has been serving central Kentucky with superior funeral services for half a century. We are here to lend you our expertise and walk you through the pre-planning process.

We’ll help you create a pre-need plan tailored to fit your needs and your budget. Call (859) 271-1111 to learn more about our unparalleled pre-planning services.

Pre-planning Tips

Planning ahead will ensure that your loved ones aren’t left squabbling over your belongings when the time comes. If you want to make sure things remains civil between your loved ones, you might want to consider the following pre-planning tips:

  • Take photos of everything you own and create an album or scrapbook that describes who should receive what after you’re gone.
  • Place color-coded stickers on the bottom of all your belongings to indicate which family member should receive each item.
  • Lock all of your important documents, including your will, mortgage papers, etc., in a secure fire safe or safety deposit box. Be sure to tell one or two of your loved ones where this information is stored and how they can access it when the time comes.
  • Meet with an attorney and draw up a will. This will ensure that your loved ones receive the belongings you want them to have without running into state court issues.
  • Take inventory of all of your assets. This includes everything from your investments, retirement savings and insurance policies to your home and personal belongings. Make it clear who should inherit each asset, and be sure to name a beneficiary on each fund in your financial portfolio.
  • Have a talk with your loved ones. Be clear about your intentions and don’t keep secrets about what you plan to leave each person. That way, everyone will understand what they’re entitled to and no one will have false expectations.


for peace of mind

Although pre-planning your funeral is extremely helpful to your family, you can remove financial stress from your loved ones by pre-paying. Pre-paying allows you to lock in your chosen funeral or cremation services at today’s prices. This will prevent your family from paying higher funeral costs due to inflation.

When you pre-plan and pre-pay with Clark Legacy Center, you will be certain that your arrangements will cost no more than they would cost today—whether your time comes a year from now or 30 years from now.

Pre-paying also offers the following benefits:
  • Ensures money will be available for your funeral service when the time comes
  • Offers you peace of mind that your funeral arrangements will be taken care of even if you have no surviving family members to pay your final expenses
  • Helps your family to avoid ever-increasing funeral costs
  • Locks in funeral expenses at today’s prices

With the cost of funerals increasing every year, you can save your loved ones a great deal of financial stress by paying now. At Clark Legacy Center, we offer a variety of pre-payment options. We will work with you to design a plan that fits your unique situation and budget.

Offer your family financial freedom by pre-paying for your funeral.

Call Clark Legacy Center at (859) 271-1111 to learn more about our pre-payment options.

Pre-pay Glossary

Pre-paying for a funeral may seem like a daunting, complex process, but we at Clark Legacy Center can help you sort through the confusion. Here are the answers to some frequently asked questions that may help you better understand the prearrangement and pre-payment process.

How can I pre-pay for my funeral?

There are several ways to pre-pay for a funeral, including the following:

  • A bank trust can be established by licensed funeral director.
  • A life-insurance policy that is equal to the value of the funeral can be purchased.
  • A savings or certificate of deposit account that is specifically for funeral expenses can be established. This type of account can is designated as “payable on death” (POD) to the funeral home.
Which of these pre-payment methods is the most secure?

Each of these pre-payment methods offers different advantages. To decide which option is ideal for you, you may want to ask your funeral director the following questions:

  • Is this pre-payment plan ever refundable?
  • Who receives the interest on the account?
  • Who will have to pay taxes on the interest?
  • Can this pre-payment plan be transferred to another funeral home?
  • What happens if your funeral home goes out of business or is sold?
What is the difference between a “revocable” and “irrevocable” trust?

A revocable trust is a trust that you can deposit any amount of money into. You may withdraw this money and the interest it has earned at any time. At the end of the year, you will receive a 1099 statement on which you must pay taxes on the interest as it is considered income.

An irrevocable trust can be used for burial purposes only. This trust can be established for any amount, and you can add to it at any time. You will receive a 1099 at the end of the year showing total interest earned.

What happens to the interest that my pre-payment fund earns?

The interest is retained by the funeral home/cemetery to offset the rising costs of specified goods and services over time. That’s the value of prearranging and prefunding at today’s costs. You’ll pay today’s prices when the time comes—whether it’s one or 20 years from now.

What does it mean when you say a casket is a certain gauge?


If I pre-pay, will my family face any additional charges at the time of my funeral?


The Last Ride

"Jim had planned his own celebration of life ceremony at Clark Legacy Center. His wife, children, grandchildren, family, friends and believe it or not his dog Sam was there. They displayed his possessions that had a lot of meaning to him including his Harley-Davidson. At first I thought this was the most unusual funeral service I've ever attended, but I quickly realized what Jim planned was his celebration of life and not a funeral."

- Attendee of a life celebration event at Clark Legacy Center

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