The International Pentecostal Holiness Church

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The International Pentecostal Holiness Church

Get Started Learn More

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

That’s why GuideStone® and IPHC 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 IPHC, GuideStone® is excited to offer a unique retirement plan for church staff members. The plan is offered as part of IPHC’s commitment to a secure retirement investment platform for churches, pastors, staff and missionaries and is now available to all churches in the IPHC 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 Funds, the nation’s largest1 faith-based mutual fund family, offers a comprehensive lineup of diversified mutual funds and provides 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.
  • Advisory Services: GuideStone's team of financial advisors is available to deliver customized advice to members for an additional fee. Plus, our customer solutions specialists are 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 IPHC churches and ministries are eligible to participate in the 403(b)(9) plan.
  • Employee eligibility is determined by the church or ministry.
What types of costs are associated with the retirement plan?
  • There is no cost to the church to establish the retirement plan.
  • There will be a quarterly comprehensive plan servicing fee assessed to the member in the amount of 0.025% of the member’s total account balance (equating to 0.10% annually). For example, if the member’s account balance at the end of the quarter is $1,000, the amount deducted from the member’s account will be $0.25.
  • There is a quarterly investment advisory fee paid to RPA assessed to the member in the amount of 0.0375% (equating to 0.15% annually). For example, if the member’s account balance at the end of the quarter is $1,000, the amount deducted from the member’s account will be approximately $0.38.
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.
What do standard plan provisions include?
  • 100% vesting on all contributions regardless of years of service
  • Hardship withdrawals are allowed 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
  • Two outstanding plan loans
  • Spousal consent is not required for beneficiary designations or distribution transactions (including loans)

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See how GuideStone can help enhance the financial security and resilience of your ministry.

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1 As of September 30, 2026, GuideStone Funds has $25.0 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.

GuideStone Advisors is registered in the United States, and advisory services may not be available in all jurisdictions or to all clients. For more information about the firm, products and services, please review the GuideStone Affiliate Form CRS.

You should carefully consider the investment objectives, risks, charges and expenses of the GuideStone Funds® before investing. A prospectus with this and other information about the Funds may be obtained by calling 1-888-GS-FUNDS (1-888-473-8637) or visit GuideStoneFunds.com/Funds to view or download a prospectus. You should read the prospectus carefully before investing.

There can be no guarantee that any strategy (risk management or otherwise) will be successful. All investing involves risk, including potential loss of principal.

Funds invested in accordance with the faith-based investment restrictions of GuideStone Financial Resources may not be able to take advantage of certain investment opportunities due to these restrictions, which may adversely affect investment performance.

GuideStone Funds shares are distributed by Ultimus Fund Distributors, LLC, not an adviser affiliate. Ultimus is not a registered investment adviser and does not provide investment advice.