Where do you stand in your countdown?
No matter your age or career stage, there are meaningful steps you can take right now to strengthen your financial future. Use this checklist to see what matters most at your stage of life.
Early Career (20s–30s)
- Enroll in your Servant Solutions Retirement Plan and start contributing early
- Explore the Roth option to grow tax-free savings over time
- If you’re a credentialed minister, take advantage of your tax-free housing allowance designation
- Set up your free family legal documents, including a will and power of attorney
Mid-Career (40s–50s)
- Once you turn 50, take advantage of catch-up contributions to boost your savings
- Review your investment mix across LifeFund portfolios, individual mutual funds, and the Stable Value Fund
- Meet with your ministry-focused Servant Solutions team for a complimentary financial planning check-in
- Revisit your beneficiary designations and legal documents as your family grows
Approaching Retirement (60s and beyond)
- Learn how Social Security timing between ages 62 and 70 affects your monthly benefit
- Understand your Medicare enrollment window as you approach age 65
- Prepare for Required Minimum Distributions (RMDs), which begin at age 73
- Safeguard your savings against fraud and scams as you near retirement
Tools built for every stage of your journey
Retirement might feel a long way off, but the steps you take today can make all the difference down the road. This quick, practical checklist is designed to help you stay ahead of the game. Whether you’re just starting your career or hitting your stride, use it to track smart financial habits, healthcare decisions, and life goals that set you up for long-term success.
Explore More Resources
Educational Videos by Decade
Whether you’re in your 20s, 30s, 40s, or beyond, these short videos walk you through what to focus on financially at every stage of life—so you can build confidence and avoid common pitfalls early on.
Free Financial Planning for Members
If you’re a member of the Servant Solutions retirement plan, you have access to a complimentary Discovery Call with a financial advisor—personalized guidance to help you take the next smart step.
Toolbox Series
From building a savings plan to evaluating your investment strategy, the Toolbox offers practical resources tailored to your age and goals, helping you make informed decisions with clarity.
Financial Calculators
Take our calculators for a spin—they’re a quick, interactive way to explore your financial future. Whether you’re estimating retirement income, testing savings scenarios, or seeing how contributions can grow over time, these tools make it easy to understand the impact of your choices and plan with confidence.
Estate Planning Tools
Through our partnership with Principal and ARAG, members can access free online tools to create essential documents like wills, powers of attorney, and healthcare directives—an easy way to protect your future and your loved ones.
Making sense of Social Security timing
Deciding when to claim Social Security is one of the most important retirement decisions you’ll make. You can begin claiming benefits as early as age 62, but your monthly benefit grows the longer you wait up to age 70. Waiting even a few years can significantly increase your lifetime income, so it’s worth exploring how your personal timeline, health, and ministry plans factor into this decision.
Understanding Medicare enrollment
As you approach age 65, it’s time to start thinking about Medicare. Your Initial Enrollment Period spans seven months and includes:
- Part A (hospital insurance)
- Part B (medical insurance)
- Part C (Medicare Advantage plans)
- Part D (prescription drug coverage)
Missing your enrollment window can lead to lifelong penalties, so it’s wise to plan ahead. Our team can help you understand how Medicare fits alongside your Servant Solutions retirement income.
Protecting your savings as retirement nears
As retirement approaches, so do the risks of scams and fraud targeting those with growing savings. Protect yourself by never sharing personal or account information with unsolicited callers, regularly monitoring your accounts, and reaching out directly to Servant Solutions if anything feels off. Your peace of mind matters to us as much as your financial security.