Episode 94: Are You Asking the Important Retirement Questions?
In this week’s episode, Faith Investor Services tackles one of the most important and overlooked parts of preparing for retirement: asking the right questions before you make the leap.
Faith Investor Services explores Social Security, retirement age, and 401(k) readiness. Faith Investor Services explains why the traditional age 65 retirement mindset may be outdated, with many retirees now living 25–30 years after leaving the workforce. Using humor and biblical wisdom, Faith Investor Services reminds listeners that planning isn’t fear-based…it’s stewardship, citing Psalm 90:12: “Teach us to number our days, that we may gain a heart of wisdom.”
Faith Investor Services breaks down Social Security claiming strategies, comparing age 62, full retirement age, and age 70 benefits. Delaying benefits can provide a 6–8% increase per year – something nearly impossible to duplicate elsewhere. While headlines warn that Social Security could “run out,” Faith Investor Services stresses that although funding challenges are real, panic is unnecessary, noting Congress has always acted when needed.
The episode highlights the process, helping believers invest in alignment with biblical values, choosing mission-driven companies and avoiding those conflicting with Christian convictions.
Faith Investor Services also dives into income gaps, annuities, and retirement taxes. With Social Security covering only 30–40% of income for most retirees, Faith Investor Services explains how annuities can act as a private pension, providing guaranteed lifetime income and stability: “because markets fluctuate, but bills don’t.” Faith Investor Services also warns about inflation and longevity risk, emphasizing modern annuities’ flexibility.
The episode closes with practical tax strategies and a reminder that we may be in the lowest tax environment we’ll see for years.
Listeners are encouraged to request a free personalized retirement review at faithinvestorservices.com or by calling 314-212-1404.
