This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS). It was initially published in June 2022 and updated in March 2026. I recently read an interesting study on retirement from A.G. Edwards and AgeWave. It was published in 2022 but remains highly relevant. The study covered a lot of ground and was … Read more
This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published in October 2022 and updated in December 2025. If you read much about retirement finance, you’ll see a lot of hyperbolic rhetoric about “Required Minimum Distributions,” or “RMDs.” You’d think RMDs are going to sneak up on you and … Read more
This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published on June 23, 2021, and updated in January 2026. This is a follow-up to my previous article on the role that immediate income annuities can play in providing additional income for individuals nearing retirement income limits. The focus was … Read more
My newest book, Redeeming Retirement: A Practical Guide to Catch Up, is targeted mainly at those aged 35 to 65 who are behind in saving for retirement (or think they might be). But I don’t ignore those who are already retired and discover (a little too late in some cases) that they didn’t save enough. … Read more
This article is part of the Retirement Financial Life Equation (FRLE) series. It was initially published in March 2021 and updated in March 2026. We discussed paying off the mortgage and home equity in previous articles and how our house decisions are both financial and emotional, and very personal. As I wrote in my 2018 … Read more
This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published on November 11, 2020, and updated in March 2026. This article is the second in a three-part series on the “Bucket Strategy.” The bucket strategy is a good one, but it’s not perfect. I have been using a version … Read more
I am very excited to announce that my new book, The Minister’s Retirement, has been released and is now available on Amazon in paperback and Kindle formats. The following is from the introductory material in the book: “This is a book about planning for retirement targeted specifically at ministers. Granted, most ministers I know would … Read more
In this article, we are going to consider what role, if any, whole life insurance might play in your retirement income plan. Although the death benefit is still in view, the focus here is on leveraging the cash-value (investment) component to help fund your retirement income stream. More and more retirement planning professionals are emphasizing … Read more
A reader recently asked me to take a look at a retirement planning (funding) method using permanent life insurance espoused by Nelson Nash in his book Becoming Your Own Banker. In addition to the life insurance benefit, the author discusses a “be your own bank” approach to funding major life purchases. He also recommends using permanent … Read more
