Retirement redefined

Shifting from two to one income feels OK

Retirement redefined
When change involves a household going from two incomes to one, it’s natural for at least some anxiety to creep in.

David Falls and Sabrina Sigal Falls of Indianapolis know what that’s like. They experienced it firsthand as they were “wrestling with the numbers” in David’s words, prior to his retirement.

Sabrina provides therapeutic music, using the harp. “I became a certified music practitioner to play therapeutic music at people’s bedsides,” Sabrina said. “The work pays fine per job, but it’s unpredictable.”

David previously worked for the Indiana Commission for Higher Education, helping to manage the state’s financial aid programs. When he stepped out from behind his desk to retire, he felt comfortable that financially things would work out.

Still, Sabrina’s new role as the sole income earner led to some uneasiness. They felt they needed a third party to affirm that their financial train is likely to stay on its track into the future.

After receiving positive feedback from several others in their church who had worked with Everence, David and Sabrina began working on an overall financial plan with an Everence advisor. As a result, the couple now feels better about their financial picture for the years ahead. “We feel confident we’ll be OK,” David said.

Sabrina has no plans to “retire” her music ministry. “If it is God’s will, I hope to be able to play the harp professionally and otherwise for the duration, so I do not give any thought to the alternative,” she said.

Contact your Everence advisor about retirement planning.

Blessed are the children, with new play space

Abundant Life adds room with Everence partnership

Blessed are the children, with new play space

On the second floor of Abundant Life’s new building space, children can soon ride a slide to the first floor. They are getting this slide due to a good problem – the congregation had outgrown its building where children, youths and young adults meet.

Senior Pastor Vernon Zook didn’t want new families to think that there wasn’t any space for them. The overflowing building led to a new construction project at Abundant Life in Sarasota, Florida, funded by a church loan from Everence. The new building – projected to be ready this spring – will also have more room for worship.

Vernon was introduced to Bill Warrell, Everence Business Development Officer, who handles church loans. “Everence understands the structure and mission of the church – and even how the finances of a church work,” said Vernon. “It was great to work with Bill and Everence; I felt like we had a partner in what we were doing.”

To learn more about we might partner with your congregation or nonprofit to grow its mission, visit or call us at (877) 295-2664.

Summer learning

Join our talent network

Summer learning
To encourage more young adults to work at Everence, five college students served as interns over the summer at the Everence corporate headquarters in Goshen, Indiana.

Standing (from left) are Cameron Maxwell of Elkhart, Indiana; Josh Ashwill of Dublin, Ohio; and Jenna Fisher of Middlebury, Indiana.

Seated are Nahshon Lora of Goshen and Elise Romero of Goshen.

Cameron is a student at Grace College, Winona Lake, Indiana; Josh attends Mount Vernon Nazarene University, Mount Vernon, Ohio; and Jenna is a student at Purdue University, West Lafayette, Indiana.

Nahshon is a student at Goshen College, and Elise attends Eastern Mennonite University, Harrisonburg, Virginia. Thanks, interns!

If you or someone you know would be interested in exploring financial advisor careers around the country, other staff roles or a summer internship at Everence, visit Learn about internships by clicking on “Join our talent network.”

Hard lessons, busy times

Reaching the lost outweighed money issues



Back in the 1970s, money was tight for Gilberto and Elizabeth Perez. Pastoring a small Spanish Mennonite church in south Texas came with great rewards, but also great sacrifices.

As a young married couple in their 20s just starting out with two children, they often felt the financial crunch. But they were more concerned about reaching the lost and building bridges than saving money.

In those early years, the South Central Mennonite Conference created a package that helped financially sustain them to fulfill their calling. “One pastoral benefit that we didn’t fully understand at the time was the conference’s regular deposit of money into Mennonite Retirement Trust for our retirement,” said Elizabeth.

“We started using credit cards to buy school clothes and Christmas gifts. Then we realized how bad it was,” said Elizabeth. She had been a stay-at-home mom, but started working part time to help pay bills. Through those difficult times, Gilberto and Elizabeth trusted God to help them pay down debt.

Then with new jobs, they began contributing to their employer’s 401(k) retirement savings plan. This helped them save more than they had ever been able to do before.

Gilberto and Elizabeth started to meet with their Everence representative to review their finances. “He helped us go over our finances and set up periodic meetings to talk before we retired,” said Elizabeth.

Now in their early 70s and fully retired, Gilberto and Elizabeth are still active in their church, volunteer and continue to give in creative ways. Saving money for retirement has helped them continue to serve and live out their faith journey. Their goal is to bless others with their story. “It’s never too late to save,” said Gilberto.

(Giberto and Elizabeth’s daughter, Alma Ovalle, wrote a longer version of this story. Read their full story and watch their video above.)

Mennonite Retirement Trust helps pastors and employees of church-related organizations to save for retirement. Iglesia Menonita Hispana launched a new program, Jubileo Ministerial, to encourage congregations to contribute to retirement plans on behalf of pastors.

To learn about MRT, visit To learn about Jubileo Ministerial, contact Martin Navarro at or (800) 348-7468 ext. 3252

Rolling through a property inspection

Roller rink donation means it's time to skate

Rolling through a property inspection
A donor in central Kansas donated a roller skating rink through Everence. As with any gift of real estate, an Everence representative performs an inspection of the property.

Stewardship Consultant Mitch Stutzman and Everence Advisor Neal Brubaker (in photo) visited the rink. When they arrived at the rink, the donor invited them to slip on some skates and go for a spin around the rink to get the full experience.

Everence has long-term and deep expertise at turning all kinds of unusual assets and properties into charitable gifts.

Learn more about charitable giving through Everence.