Clergy retirement: Options and opportunities available

David McFarlane remembers the first Board of Pensions retirement seminar he attended. He was chairing the Committee on Ministry for Western New York Presbytery, and one of his responsibilities was to encourage pastors nearing retirement age to attend the seminars.

So it was suggested that he go himself -- the argument being something like, "You'll never convince anybody to go unless you go yourself."

McFarlane, then in his 40s, did go. He and his wife, Ann, walked into the room, sat down next to an older couple and struck up a conversation. The older man said he was intending to retire in about three weeks. He had not said a word to his session. The couple was living in a manse, owned no home and had no idea where they would live. They had made no plans.

"We were just stunned," McFarlane said. "My glory, three weeks away ... I said, 'No matter what else we do, we won't do that.' "

Now, after many years and after retiring themselves, the McFarlanes are among a number of "consultant couples" who speak at retirement seminars sponsored by the Board of Pensions. They don't offer advice; in other words, they don't tell people what to do. But they do walk people through questions they're likely to encounter as they consider retirement -- questions such as where to live and how to use their time when they step aside from the pulpit. They try to help them envision what, for them, retirement might be like.