Baptist Bible Fellowship International

Ministry benefits created with the BBFI in mind.

Baptist Bible Fellowship International

Ministry benefits created with the BBFI in mind.

We understand your ministry.
We understand employee benefits.
And we share your passion for the Gospel.

That’s why GuideStone® and The Baptist Bible Fellowship International have teamed up to support your calling and offer faith-based retirement uniquely designed for your ministry.

Learn More

GuideStone offers comprehensive solutions designed to provide support, guidance and protection. Explore our offerings below.

Why GuideStone Retirement?

Alongside The Baptist Bible Fellowship International, GuideStone® is excited to offer a unique retirement plan for church staff members. The plan is offered as part of BBFI's commitment to a secure retirement investment platform for churches, pastors, staff and missionaries and is now available to all churches in the BBFI network.

GuideStone is one of the nation’s largest providers of employee benefits and financial services, working with 36,000 churches and nearly 600 ministries to offer retirement plans customized to help employees reach their individual financial goals.

  • Faith-based Investments: GuideStone sponsors the nation’s largest1 faith-based mutual fund family — GuideStone Funds® — which provides you with investment options that align with your values.
  • Ministers’ Tax Benefits: GuideStone offers a 403(b)(9) church retirement plan, allowing distributions as housing allowance in retirement for employees who qualify as Ministers for Tax Purposes.
  • Personalized Services: GuideStone's team of personal financial advisors is available to deliver customized advice to members — including asset allocation, contribution planning, gap analysis, Social Security maximization and more. Plus, GuideStone's Customer Solutions department of trained specialists is also available by phone or email Monday through Friday between 7 a.m. and 6 p.m. CT to assist you in secure, knowledgeable conversations.
  • Targeted Educational Resources: Access informative and timely employee resources. Employees can find personalized tools in their MyGuideStone® accounts.
GuideStone's Retirement Plan Solutions
Who is eligible?
  • All churches in the BBFI network are eligible to participate in the 403(b)(9) plan.
  • Employee eligibility is determined by the church.
What types of costs are associated with the retirement plan?
  • There is no cost to the church to establish the retirement plan.
  • There are no recurring fees for Members outside the expense ratios of the funds.
What kind of contributions can be made?
  • Contributions can be made by the employer, employee or both.
  • Salary-reduced contributions by the employee can be made as tax-sheltered or Roth (After Tax Contributions).
What do standard plan provisions include?
  • 100% vesting on all contributions regardless of years of service
  • Unlimited hardship withdrawals per plan year for participants less than age 59½ (must meet IRS requirements as a hardship)
  • Unlimited in-service withdrawals from the plan for participants who are at least age 59½
  • Distribution options of a single sum or systematic withdrawal payments after termination from service
  • One outstanding plan loan
  • Spousal consent is not required for primary beneficiary designations other than the spouse or distributions.
  • As a denominational pension board, GuideStone can facilitate housing allowance for retired ministers (within IRS limits) — a unique benefit for you!
How do I get started?

Step 1:

  • If you're ready to sign up: Request your church's plan documents by booking an appointment or contacting Kent Gayle. (Please include "Your Church Name-BBFI" in your email.)
  • If you have additional questions: Schedule an appointment with Kent Gayle

Step2 :

  • After plan document completion, you will receive information in order to enroll eligible participants to begin employee contributions via the GuideStone Employee Access® Program (EAP).
Request Plan Documents
Additional Questions

 

 

 

 

 

See how we can enhance the financial security of your ministry.

See how we can enhance the financial security of your ministry.

1 As of March 31, 2024, GuideStone Funds has $18.6 billion in assets, which makes GuideStone Funds® the nation’s largest faith-based mutual fund family. No other faith-based fund family exceeds GuideStone Funds in asset size.

Advisory services offered through GuideStone Advisors®, an SEC Registered Investment Adviser. GuideStone Advisors is a controlled affiliate of GuideStone Financial Resources®. For more information about the firm, products and services, please review the GuideStone Affiliate Form CRS.