Retirement Planning for Clergy: Need and Content

ABSTRACT

Retirement is seen as one of the most critical transitions in the life cycle. This fact is no less true for religious leaders. After years as the “chief executive officer” of several congregations, many clergy find adjustment to retirement to be a difficult task-emotionally, financially, and socially. Different from many professionals, clergy see their “calling” to their vocation, the ministry, to be a lifetime commitment. Given these factors, retirement can bring drastic changes in the clergy's life–his/her self-identity, sense of importance and value as an individual and as a member of society, relationships with family and friends, financial status, and living arrangements. Yet few denominations provide opportunities for preretirement education for their religious leaders; therefore many clergy make little or no preparation for retirement. This paper looks at pertinent issues related to retirement for clergy. Objectives and content areas for preretirement education are suggested.     

The Role of Self-Efficacy in Explaining Psychological and Financial Preparation for Retirement: A Behavioural Study of Retirement Transitioning in Uganda

The individual’s level of perceived self-efficacy could be an important driver for early retirement preparation. Most employees in Ugandan organisations reach that age of retirement without sufficient knowledge on how they will survive during their post-retirement life. This study sought to examine whether self-efficacy predicts psychological preparation and financial preparation for retirement. The sample of 924 employees aged 24–60 years selected voluntarily from four three service-oriented organisations participated in this study. Confirmatory factor analysis was run to confirm whether the factor indices (latent variables) extracted from exploratory factor analysis were actually measures of psychological preparation and financial preparation for retirement. Structural equation modelling was used to test regression relationships, and correlation between latent variable of the dependent constructs was tested using Pearson product moment correlation coefficients. The findings indicated a four-factor model for psychological preparation and a two-factor model for financial preparation. Self-efficacy predicted only three factors of psychological preparation and finance management mediated the relationship between self-efficacy and personal initiative. With these findings, it was concluded that individuals with capacity to adapt new changes can easily re-engage in other jobs. Similarly, those concerned with their social identity will focus on developing career skills that would yield the same level of importance in society. However, finance management training is crucial to the development of strategies and competences that empower people to maintain satisfying lifestyles after retirement. Finally, self-efficacy is a driving factor of personal initiative but the relationship is reinforced when finance management competences are acquired.     

Clergy Response to Domestic Violence: A Preliminary Survey of Clergy Members,Victims, and Batterers

Although the presence of both religious organizations and violence in American communities is pervasive, scant attention has focused on how to best enroll clergy and religiously oriented resources in the battle against family violence. Given that it is not uncommon for women or couples to seek counseling or advice from clergy before accessing community-based resources, the frequency, nature, and utility of these contacts were assessed in this exploratory study from the perspectives of 47 female victims and 70 male perpetrators of domestic violence. Forty-one clergy members from various denominations were also surveyed about their contacts with those seeking help for domestic violence. Results indicated that 43% of the victims and 20% of the perpetrators did seek help from clergy. Almost all of the victims who contacted clergy reported satisfaction with the counsel they received. All clergy respondents reported counseling people who had experienced domestic violence during their career, and 80% had violence-related contacts in the past year. The service-related implications of these clergy contacts from victim, perpetrator, and clergy perspectives are discussed.     

The Price of the Calling: Exploring Clergy Compensation Using Current Population Survey Data

Previous research shows that clergy make less money than others with similar levels of education. We use Current Population Survey data to offer five contributions to knowledge about clergy compensation. First, we document and take into account the shift in clergy compensation from the provision of free housing to the payment of housing allowances. Second, although the clergy earnings disadvantage appears to have increased over the last 40 years relative to their educational peers, the picture changes when we exclude the highest income occupations. Clergy have lost ground to doctors, lawyers, and investment bankers, but they have gained ground relative to everyone else. Third, these gains are largely because of decline in the number of hours clergy report working. Fourth, we show that clergy working in churches earn less than clergy working elsewhere. Fifth, we document immediate wage penalties for those who become clergy and, among clergy, for those who begin to work in congregations. Overall, although clergy still earn less than comparable workers, their position has improved in recent decades relative to all but the highest earning occupations.     

Predicting the Level of Pastors’ Risk of Termination/Exit from the Church

This study conducts an exploratory factor analysis on Wickman’s (2004) Pastors at Risk Inventory that measures the likelihood of whether clergy may face forced or unforced resignation. An online survey was administered to 285 evangelical pastors containing 42 Likert-type items developed from 20 years of qualitative practitioner ministry among clergy. The two factors identified—vision conflict and compassion fatigue—are discussed in relation to the extant literature and in their unique function with clergy. Results indicate that varying levels of disparity typically exist between expected ministry outcomes and actual ministry experiences, and that vision conflict and compassion fatigue are more likely among clergy who lack a support team and/or whose church has recently plateaued or declined in attendance.     

Politics and Church: Byproduct or Central Mission?

One of the more intriguing paradoxes that has developed in mainline Protestantism over the last 30 years is that mainline clergy have become more politically active. Since the public politicking of mainline clergy in the late 1960s generated storms in the churches, why would clergy become more politically active over time? In this article, we adopt the theoretical structure of a benefit exchange between leaders and members initiated by Mancur Olson. We seek to determine the extent to which church members' appetites for political action by the clergy are shaped by a satiating selective benefit exchange or are driven largely by political compatibility. We propose that because of continued political disagreement between clergy and church members and considerable disapproval of clergy involvement in politics by church members, clergy politicking is allowed largely by the satisfaction of a selective benefit exchange.     

From Pastor to Pensioner: A Study of Retired Canadian Protestant Clergy from the Continuity Perspective

ABSTRACT

By using the Continuity Perspective, this study investigates how clergy adjust to retirement. Four sets of factors were examined; Situational factors, activities, occupational subculture, and psychological continuity. Methods of data collection include mailed questionnaires and personal interviews. The sample consists of 185 Anglican, Baptist, and United Church retired clergy. It was found that (1) the clergy maintain continuity of their1 lifestyles except when some situational factors force them to alter their way of life; (2) retired ministers tend not to develop new activities, but continue to participate in existing ones; (3) the occupational subculture of Protestant clergy has the function of facilitating their retirement; and (4) clergy appear to maintain a stability in the type of responses they have to changes and crises.     

Faith‐Based Decisions? The Consequences of Heightened Religious Salience in Social Service Referral Decisions

Previous research suggests that clergy members are often an initial contact for people seeking advice or social services and clergy often refer such individuals in need to outside agencies. Recent "faith-based initiatives" seek to engage churches and religious groups more deeply in social service delivery, potentially changing the mix of organizations to which clergy might refer people in need. In addition, public debates about faith-based social services have drawn attention to religion, often in politically divisive ways. Using semi-structured interviews and vignettes in which key characteristics of outside agencies are experimentally varied, we explore the implications of this heightened attention to religion on clergy referrals. We find that increasing the salience of religion affects clergy referral choices, with some clergy even willing to sacrifice quality care and resources for an individual in need when religious options are available as referral choices. We argue that this occurs at least in part because making religion salient in policy and referrals makes religious differences salient as well.     

A Participatory Residential Model Addressing the Needs of Retired Priests

Diocesan clergy bring several impediments to successful retirement that arise from the celibate, pyramidal, and task focused structure of their lifestyle. This is also the first generation of priests to retire from their parishes because of age. To assist them, many diocese are providing group residences. Involvement of the retirees in designing and carrying out a participatory model for management of the residence can minimize the impediments to life satisfaction. Involvement promotes experiences in community building, advocacy on behalf of group needs, and candid exchanges about meaning and purpose that the residents want their retirement to provide.     

Confidentiality and mandatory reporting

Confidentiality is a cornerstone in the identity of the clergy. Confidentiality makes it safe to disclose sins, but the information received may sometimes cause dilemmas for the clergy. Through pastoral care with people in different circumstances, members of the clergy are on the front line for detecting and reporting child abuse and domestic violence. In this article, I explore how clerics judge dilemmas and determine the right course of action when facing cases of possible child abuse or domestic violence. How do members of the clergy reason through their choices? What grounds do they give for their actions? Data are provided from a mixed methods study with 53 Norwegian parish priests. The clergy’s decision-making will be the primary focus. Confidentiality is frequently associated with trust. The clergy maintain that confidentiality contributes to securing trust in themselves, as well as in the church as an institution. My analysis suggests that the clergy’s reflections on confidentiality conflict with Norwegian mandatory reporting laws and that the clergy may benefit from a reframing of pastoral confidentiality.     

退休规划的研究现状和本土化发展

退休规划是个体在退休前为保障将来的退休生活做出的长期准备。退休规划不仅有利于退休人员生活幸福, 还有助于缓解社会保障体系的压力, 在较早进入老龄化的国家已经得到重视。通过回顾国外相关研究, 本文归纳出退休规划的六个具体领域(财务、健康、社交休闲、工作、心理、居住), 总结并评价了过去研究应用的主要理论基础(角色理论、计划过程理论、资源视角、生态系统理论)和有代表性的测量工具。汇总分析了退休规划在人口学、环境和心理三层面上的影响因素以及对过渡型就业和退休适应两阶段的影响。基于研究概念的发展以及中国国情, 未来研究应该首先开发本土化工具, 合理选择理论视角并系统研究规划的各个领域, 验证并创新退休规划的影响因素研究, 注重中国国情问题并加强干预研究。     

African American Clergy Share Perspectives on Addressing Sexual Health and HIV Prevention in Premarital Counseling: A Pilot Study

This exploratory qualitative pilot study examined the extent to which seven African American clergy discussed and promoted sexual health dialogue with couples preparing for marriage. We explored the following topics: (a) clergy perspectives on disclosure; (b) clergy awareness about HIV/AIDS and (c) the extent to which clergy awareness about HIV is translated into their premarital counseling programs. Our results suggest that greater awareness and comfort level with discussions about sexuality mediate the inclusion of sexual health and promotion of HIV testing in premarital counseling.     

Normative influence on retirement savings decisions: Do people care what employers and the government want?

The need for Australians to increase retirement savings has been widely promoted. Yet our understanding of the motivations of individuals to save at a higher rate remains sparse. This article reports the findings of a survey of superannuation fund members and their intentions to contribute more to superannuation and to manage their investment strategy. The article uses the theory of planned behaviour to focus on the important motivational influence of social norms. Formative research identified a number of influential social referents. Among identified referents, the study found that spouses appear to be the primary source of social influence for retirement savings decisions. The government and employers appear to exert little influence, and financial advisors and superannuation funds take up the middle ground of social influence. Possibilities for interventions designed to influence behaviour are discussed; however, conclusions are tempered by the fact that correspondence between intention and behaviour is not tested in the present research.     

Psychological Foundations of Financial Planning for Retirement

Little is known about the psychological mechanisms that underlie financial planning for retirement. Most studies of financial planning and investing have used demographic indicators (e.g., age, gender, income) to predict individual differences in saving. In the present study, a model of planning is tested in which psychological indicators (future time perspective, retirement goal clarity, and self-rated financial knowledge) are posited to mediate the relationship between demographic indicators and saving behaviors. Path-analytic techniques were used to test the model, based on data from 265 middle-aged working adults. Analyses revealed substantial support for the role of psychological factors in the retirement planning process. Findings have theoretical implications for the development of psychologically based models of planning, as well as applied implications for those who seek to understand the psychomotivational forces that underlie tendencies to plan and save.     

The Continuity Perspective of Aging and Retirement Applied to Protestant Clergy: An Analysis of Theory

ABSTRACT

This paper has examined some of the conceptual and operational issues of the continuity perspective, which is considered as more appropriate than others reviewed for the study of clergy retirement. As a solution to the dilemma of the inevitable changes associated with old age and the notion of continuity, the use of the sociological concept of “career” was suggested. With this concept as a guide, four components – situational/environmental factors, activity, psychological continuity, and occupational subculture – of a continuity perspective have been outlined.     

When I First Learned about Retirement: Financial and Retirement Concept Recognition among College Students

It has long been argued that financial literacy education should begin in childhood or adolescence, but little is currently known about the ages at which individuals come to understand basic retirement and financial planning concepts. The primary goal of the present investigation is to provide data that reflect the reported ages at which key general and technical retirement planning concepts are acquired. A secondary goal is to identify individual difference dimensions—including one’s financial literacy level and early parental learning experiences—that are associated with the age at which key concepts are reportedly acquired. Retrospective reports obtained from a sample of 646 college students revealed that an understanding of general concepts was widespread and took place during the pre-teen and early teenage years. Understanding of the technical concepts was suboptimal, however. Nearly half of the sample were unfamiliar with most of the technical terms. Among those who were familiar with the technical concepts, learning reportedly occurred later in adolescence. Understanding of both sets of concepts was linked to higher financial literacy scores and saving lessons learned during childhood from one’s parents. Results have implications for financial literacy intervention programs designed to target children, adolescents, and young adults.     

Referral by clergy who counsel older adults

The purpose of this cross sectional study of clergy (N?=?493) was to examine the likelihood of referral to formal mental health providers by those clergy who counsel older adults. Responding clergy completed a brief questionnaire that included information on the amount of counselling they do with older adults, the Attitudes towards Older Adults and Mental Illness (AOAMI) scale, their relationships with mental health professionals, their knowledge of resources for referring people for additional help, and basic demographic data, such as race, age, years in the clergy, and education level. In logistic regression analysis, respondents with more education, those who felt less prepared to provide counselling, and those with more positive attitudes based on the AOAMI indicated that they were more likely to refer, and no differences were found based on their denominational affiliation race, relationships with mental health professionals, or knowledge of resources for referring people for additional help. We believe that public-private partnerships should be formed to help clergy recognise when referrals are appropriate, and to help improve relationships between clergy and mental health professionals.     

Are you talking to the future me? The moderator role of future self‐relevance on the effects of aging salience in retirement savings

Increasing the salience of aging has been shown to be a promising strategy to promote young adults' interest in saving for retirement. However, the processes responsible for this effect are still largely unknown. We hypothesize that increased savings choices will only occur when participants are also engaged in self‐relevant thoughts about their own future. Participants were exposed to a fictitious website advertising financial products. Study 1 (n = 78; M_age = 20.87) primed age salience and future self‐relevance orthogonally and showed that priming aging only caused increases in retirement investment decisions when self‐relevance was also high. Study 2 (n = 91; M_age = 23.40) tested whether the effects of age priming were due specifically to age or to a broader focus on the future. The study confirmed that investment decision effects are specific to exposure to the aging prime and not merely priming the future. The effects were also specific to investment in retirement funds and not just depositing money in a checking account. These findings have both theoretical and practical implications for the psychology of aging and retirement planning.     

Women's Caregiving Careers and Retirement Financial Insecurity

Providing the essential care for children and aged relatives has immediate and long‐term financial consequences for women, particularly financial insecurity in retirement. Women's caregiving careers are examined in relationship to the impact on retirement. The need for career and retirement education and counseling aimed at women who assume caregiving roles is addressed.     

Is There a Crisis in Clergy Health?: Reorienting Research Using a National Sample

Are religious leaders unusually unhealthy? This question has long occupied scholars interested in the study of religious institutions, and a significant body of research has examined the causes, correlates, and effects of poor health among clergy. In this study, we aimed to: (1) outline the development of, and bias inherent to, the scholarly understanding of clergy health over the past 50 years; (2) test, using a recently collected nationally representative sample of clergy, the standing assumption that clergy are an especially unhealthy vocational group, specifically in terms of depression, obesity, and self-rated health; and (3) identify the major correlates of health among clergy using these data. Contrary to the recent tenor of scholarly research on this subject, our research revealed that clergy are not a particularly unhealthy group. We suggest potential pathways forward to ameliorate the bias inherent in the research into clergy well-being.