Individual

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Retirement

GuideStone® Roth and Traditional IRAs

An Individual Retirement Account (IRA) is a personal, tax-efficient way to invest your money for your future retirement. With a GuideStone IRA, you have full access to our wide range of faith-based investment options, including both Traditional and Roth IRAs.

Open an Account

Find the IRA Option that May be Right for You

Which list best describes you and your goals?

GuideStone Traditional IRA
  • I want my contributions to be tax-deductible (if certain conditions are met)
  • I am currently in a higher tax bracket than I will be in retirement
  • I want to invest more than my employer’s retirement plan allows (subject to any IRS contribution limits)
  • I want to open an IRA for my spouse or family member
  • I want to make Qualified Charitable Distributions (if certain conditions are met)
Open a Traditional IRA Now
GuideStone Roth IRA
  • I want the potential for tax-free withdrawals in retirement
  • I am currently in a lower tax bracket than I expect to be closer to or in retirement
  • I want to receive tax-free income during retirement in return for taxed contributions
  • I want to access contributions without penalty (if certain conditions are met)
  • I want to explore whether my spouse or family member may be eligible to open an IRA
Open a Roth IRA Now

It’s important to remember that eligible contributors, for both Traditional and Roth IRAs, must:

(1) have U.S. taxable earned income and

(2) be within IRS income limits for the current tax year.

Still unsure? Try using our Roth IRA vs. Traditional IRA Calculator for more insights. And if your spouse lacks access to an employer-sponsored retirement plan or has little or no taxable compensation, they may still be able to open an IRA based on your taxable compensation, subject to IRS rules.

Frequently Asked Questions

Learn more about GuideStone Traditional and Roth IRAs.
Traditional IRA
Roth IRA
What are the potential advantages of a Traditional IRA?
  • Earning accumulate tax-deferred.
  • Contributions may qualify as tax-deductible. (See your contribution and deductibility limits.)
  • Participants who are age 50 or older have expanded contribution limits.
  • Contributions may be made for spouses, even if they have no income.
  • Assets can be invested in our faith-based funds.
What are the potential limitations on withdrawals?

You may choose to take penalty-free withdrawals from your Traditional IRA after age 59½, but must begin taking them at the applicable IRS-required age. In either case, there are no penalties imposed, but federal income tax will apply to withdrawals (except for the return of non-deductible contributions).

In addition, any withdrawals made before age 59½ are subject to a 10% penalty, except in the following circumstances, unless an exception applies, such as:

  • Higher education expenses for you or your immediate family members
  • First-time home purchase expenses to buy or build a first home for yourself or your parents, children or grandchildren ($10,000 lifetime maximum)
  • Death or disability
  • Certain medical expenses (or health insurance premiums due to unemployment)
How much can I contribute to my Traditional IRA?

Check out the annual contribution limits for IRAs and other retirement plans.

How do I start an online application?
Open an Account
Can I print an application?

Prefer to print an application? Download, print and complete a Traditional IRA application.

Please review the following information:

Traditional IRA ApplicationTraditional IRA Disclosure StatementTraditional IRA Custodial AgreementProspectusPrivacy Notice
What if I would like to complete a rollover or transfer of assets?

Schedule a call with a GuideStone consolidation specialist.

Start your application online.

Prefer to print your application? Download and complete an application, then mail the completed application to:

First-Class Mail® address:
GuideStone Funds
P.O. Box 534446
Pittsburgh, PA 15253-4446

Overnight express address:
GuideStone Funds
Attention 534446
1350 Penn Avenue Suite 102
Pittsburgh, PA 15222

Online Rollover ApplicationDirect Rollover (Traditional IRA Transfer of Assets/Direct Rollover Form)Indirect Rollover (Traditional IRA Rollover Certification Form)
What are the potential advantages of a Roth IRA?
  • Contributions are allowed at any age. (See IRS maximum contribution limits.)
  • Qualified distributions are tax-free.
  • Participants over age 50 have expanded contribution limits.
  • No required minimum distributions during the original account owner’s lifetime.
  • Assets can be invested in our faith-based funds.
What are the potential limitations on withdrawals?

A Roth IRA differs from a Traditional IRA in that you generally may withdraw your Roth contributions at any time without tax penalty, if the following conditions are met.

To avoid penalties and taxes on the withdrawal of earnings, you must own the Roth IRA for at least five years and be age 59½ or older, or make a withdrawal for one of the following reasons:

  • First-time home purchase expenses to buy or build a home for yourself or your parents, children or grandchildren ($10,000 lifetime maximum)
  • Death
  • Disability

If the reasons above do not apply, you may avoid the 10% penalty, but taxes on earnings will still apply if you withdraw funds for the following reasons:

  • Higher education expenses for yourself or your immediate family members
  • Certain medical expenses
  • Withdrawals made in equal installments over the account holder’s life expectancy
How much can I contribute to my Roth IRA?

Check out the annual contribution limits for IRAs and other retirement plans.

How do I start an online application?
Open an Account
Can I print an application?

Prefer to print an application? Download, print and complete a Traditional IRA application.

Please review the following information:

Roth IRA ApplicationRoth IRA Disclosure StatementRoth IRA Custodial AgreementProspectusPrivacy Notice
What if I would like to complete a rollover or transfer of assets?

Start your application online.

Prefer to print your application? Download and complete an application, then mail the completed application to:

First-Class Mail® address:
GuideStone Funds
P.O. Box 534446
Pittsburgh, PA 15253-4446

Overnight express address:
GuideStone Funds
Attention 534446
1350 Penn Avenue Suite 102
Pittsburgh, PA 15222

Online Rollover ApplicationDirect Rollover (Roth IRA Transfer of Assets/Direct Rollover Form)Indirect Rollover (Roth IRA Rollover Certification Form)

Ready to Open an Account?

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Call Toll Free: 1-888-98-GUIDE

There can be no guarantee that any strategy (risk management or otherwise) will be successful. All investing involves risk, including potential loss of principal. Past performance does not guarantee future results.

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.

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

Be sure to consider all of your available options before rolling over your retirement assets. It is important to consider all of the potential advantages and disadvantages of rolling over your retirement assets to an IRA, including the different investment options that are available to you as well as the services, fees, expenses, withdrawal restrictions and tax consequences of rolling over your assets to an IRA. Other options are available besides rolling over your employer-sponsored retirement plan, including leaving the account with your previous employer. An employer-sponsored retirement plan may offer advantages investors can’t get if they roll the money into an IRA.

Retail products are made available through GuideStone Financial Services®, member FINRA. For more information about the firm, products and services please review the GuideStone Affiliate Form CRS and visit FINRA's Broker Check.

The information presented is for informational purposes only and should not be considered legal or tax advice; questions regarding your specific situation should be directed to your legal or tax advisor.