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Zone Meeting May 22, 2012 G reat to have YOU here !. Jesus … the ultimate reason for our celebration.

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11 We also pray that you will be strengthened with all His glorious power so you will have all the endurance and patience you need. May you be filled with joy,12always thanking the Father. He has enabled you to share in the inheritance that belongs to His people, who live in the light.
13For He has rescued us from the kingdom of darkness and transferred us into the Kingdom of His dear Son, 14 who purchased our freedom and forgave our sins.

Christ is the visible image of the invisible God.

    He existed before anything was created and is supreme over all creation,16for through Him God created everything in the heavenly realms and on earth.

He made the things we can see    and the things we can’t see—such as thrones, kingdoms, rulers, and authorities in the unseen world.Everything was created through Him and for Him.

He existed before anything else,    and he holds all creation together.

18 Christ is also the head of the church,    which is His body.

He is the beginning,    supreme over all who rise from the dead.

    So He is first in everything.

For God in all His fullness    was pleased to live in Christ,

20 and through Him God reconciled    everything to himself.

He made peace with everything in heaven and on earth, by means of Christ’s blood on the cross.

21 This includes you who were once far away from God. You were His enemies, separated from him by your evil thoughts and actions.

22Yet now He has reconciled you to Himself through the death of Christ in His physical body. As a result, He has brought you into His own presence, and you are holy and blameless as you stand before Him without a single fault.

23 But you must continue to believe this truth and stand firmly in it.

Don’t drift away from the assurance you received when you heard the Good News.

The Good News has been preached all over the world, and I, Paul, have been appointed as God’s servant to proclaim it. Colossians 1:11-23

central wesleyan church holland
Central Wesleyan church - holland

Baptized over 40 adults on Easter Sunday!

friendship wesleyan
Friendship Wesleyan

5 baptized recently!

Pray for Cindy – going through cancer treatments

faith church lansing
Faith churchlansing

April 29th – Highest attended regular Sunday with 691!


Salvation 108 (It’s higher than this but they don’t count them unless they have follow up.)

87 Baptisms

59% growth in Children’s ministry over last year

south haven
South haven

LifeBridge Church

Milan and Jen Bittenbender


That is SO true about the West MI District.

You and our retired pastors, when we are led by the Holy Spirit, are what make this District great!


“It was just days before VIA’s packaging had to be finalized but I was not at all happy with the designs that our in-house folks were giving me.So I hired an outside firm to help us.


News that I had hired this outside firm me with some inevitable frustration. It was never my intention to undermine anyone, but there were moments throughout the transformation of Starbucks – and for that matter, throughout the history of Starbucks –


when I had to make tough choices, at times deciding that the best interests of the organization were contrary to the interests of an individual or group.


Sacrificing people’s feelings, and more than once even a personal relationship, for the good of thousands of partners (employees) is one of the most painful elements of my job as Starbuck’s leader.”


Is there a decision you have been avoiding about:a staff member, a volunteer a direction the church needs to move towards?


Is there a courageous decision you need make…even as you sit here today, that will lead the church to a better place?


“As a leader, part of my responsibility is to instill confidence in others. To get our people excited about what is possible. About dreaming big. And then bigger.”


If you to allow faith to rise in you in a fresh way...what is one thing you would dare ask God to do for the church or ministry you serve?


Which side of the continuum does the leadership team of our church tend to naturally flow towards?

What (if any) are the consequences of this?


Seminar Ideas

financial planning for pastors

Financial Planning for Pastors

John Faber, CFP®

Principal/Holland, MI

important note
Important Note
  • The information in this presentation is educational in nature, and it is not intended as individualized financial and/or investment advice.
  • The information about investment returns and Social Security benefits is presented for illustration purposes only.
four financial questions
Four Financial Questions
  • 1. Do you have long term, written financial goals?
  • 2. Are you purposefully using your money to help you meet your goals and not just using it for the immediate needs of today?
  • 3. Are you making wise investments?
  • 4. Are you prepared to care for your family in the event of death of disability?
where does the money go
Where does the money go?



Living Expenses


Debt Payments

Saving for Goals




Major Purchase

priority investing




  • Diversify to meet long-term goals by investing in:
  • MMF/CD’s/ Treasuries
  • Mutual Funds
  • Real Estate
  • Bonds
  • Equities
  • College for children
  • Financial Freedom
  • Vacation Home
  • Pay off mortgage
  • Develop a business
  • Speculate in:
  • Venture Capital
  • Limited Partnerships
  • Private Equity
  • Fund other long-term personal and financial goals.


Save for major purchases using a money market fund, CD or treasury bills (potentially a mutual fund)



Down payment on a house


Keep 3-6 month’s living expenses in a money market fund or savings account

Reserves to protect in case of disability, accidents, or any emergency


Keep one month’s living expenses in an interest-bearing checking account

Living expenses are determined from your monthly budget


all high interest/short term debt

Credit Cards


Small Debt

Priority Investing

Long-term Goals – Growth

5 years +

Short-term Goals – Liquidity

6 months – 5 years

Customized Investment Solution

reasonable expectations
In retirement, you should expect to be able to take out roughly 4% per year of your investment value.

Example: A $250,000 investment portfolio allows for a $10,000 per year withdrawal ($250,000 x 4% = $10,000)

The higher the percentage you take out, the more likely you are to use your principal and see your balance decline


Reasonable Expectations
wesleyan pension plan
Wesleyan Pension Plan
  • Huge benefit – 12% of salary goes to retirement plan
  • Assuming a salary of $60,000, the annual contribution to the pension plan would be $7,200.
  • Over 25 years, $7,200 per year invested at 8% would grow to over $700,000, assuming contributions increased with inflation.
  • A 4% withdrawal on $700,000 = $28,000/yr.
what about social security
What about Social Security?
  • Assuming you have not opted out of Social Security, someone making $60,000 per year can expect to receive around $21,600 per year in Social Security benefits at full retirement age.
  • A spousal benefit of 50% or $10,800 is available
  • Given the assumptions made, total retirement income could be $60,400 ($28,000 from Wesleyan Pension, $21,600 from Social Security, and $10,800 for spouse’s Social Security Benefit).
have you opted out of social security
Have you opted out of Social Security?
  • You will need to replace $32,400 ($21,600 + $10,800) of Social Security income in our example above.
  • Remember the 4% rule?
  • To replicate $32,400 of income from an annuity at age 66, you will need to accumulate an additional $450,000 - $500,000 (in addition to amount in Wesleyan Pension).
  • BUT…Social Security is indexed for inflation.
  • What will be the equivalent of $32,400 in 25 years assuming 3% inflation?........$67,800.
  • Replicating Social Security income requires a lot!
another option for those who have opted out of soc sec
Another option for those who have opted out of Soc. Sec.
  • If your spouse is employed and in the Social Security system, you (pastor) may be able to get a spousal benefit from your spouse’s earnings.
  • If this benefit is small due to your spouse’s earnings (part-time work, etc.), consider delaying Social Security until age 70.
  • Every year Social Security benefits are delayed beyond full retirement age will increase the benefit by 8%.
how much life insurance is appropriate
Calculate your future liabilities

See this example:

College costs = $200,000

Pay off mortgage = $150,000

Student loans = $30,000

Family income = $750,000 (4% withdrawal = income of $30K)

Total need = $1,130,000

How much life insurance is appropriate?
other planning ideas
Other Planning Ideas
  • Housing allowance available for pension benefits but NOT IRA money
  • Roth IRA/Pension vs. Regular IRA/Pension…know your tax bracket