Nwaomah, A. and Nwaomah, S.M. 2026. Pre-Retirement Financial Behavior and Preparedness of Seventh- day Adventist Pastors in Africa: A Study of Graduate Ministerial Students. Pan-African Journal of Education and Social Sciences. 6, 3 (Apr. 2026), 124–141. DOI:https://doi.org/10.56893/pajes2025v06i03.08.