Find valuable resources and educational tools aligned with each season of life to help you start well, stay well and finish well.
Select your life stage below for relevant resources.
Start a Career
(any age)
Start a Career
(any age)For those beginning a career with little or no experience with retirement savings, budgeting, health plans or other types of coverages
Take the right steps early in your career to build a strong foundation and maximize your financial resilience and physical well-being.
Retirement
Health & Wellness
BUDGETING 101
Budgeting Basics
Use these resources to help you build a budget and manage your money with practical tips and professional guidance.
Purchasing a Car
Before purchasing a car, use this calculator to estimate your expenses.
Purchasing a Home
Buying a home is often the largest financial decision a family makes. Use these tools to help you buy a home that you can afford while avoiding unforeseen financial pitfalls.
10 Money Conversations for Engaged and Newly Married Couples
Reduce disagreements by following these tips on talking money with your fiancée* or new spouse.
SAVING EARLY 101
Are you saving for retirement?
If not, get started today by using one of these options.
Contact your employer to set up your GuideStone Retirement Account.
Saving Strategically
Maximize your efforts by saving strategically and early.
Retirement Planning for People in Their 20s-Early 30s
Though retirement may seem a long way off, starting early makes a big difference later.
Take Advantage of Employer-Matching Contributions
An employer match means your employer is investing in your retirement alongside you. Don’t miss out!
RETIREMENT SAVINGS 101
401(k) and 403(b): What’s the difference?
A 401(k) and a 403(b) are both types of retirement plans, but one is distinctly advantageous for ministries.
What is faith-based investing?
Our investing policy follows biblical principles by excluding investments that are incompatible with our moral and ethical posture as Christians.
What is an IRA?
Check out these seven situations when an IRA may be a wise choice as you plan for the future.
IRAs vs. Investment Accounts
When it comes to investing, it's important to identify your financial goals and objectives before you choose an account type.
Roth or Tax-Sheltered: Which contribution is right for you?
If your employer's retirement plan offers different contribution options, it's important to consider the financial implications of each one.
What is vesting?
Vesting determines the amount of employer-contributions that are yours based on how long you've been employed.
What You Should Know about Market Volatility
You should expect volatility but stay focused on your long-term goals.
How to Respond to Financial Market News
Saving for retirement is a marathon, not a sprint. Don’t panic due to short-term market fluctuations.
MINISTER-SPECIFIC RESOURCES
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you start, stay and finish well. Topics include: ministerial tax issues, compensation planning, housing allowance, Social Security, benefits and more!
Global Worker Resources Center
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
What does it mean to be a Minister for Tax Purposes?
The IRS may have different criteria for being a minister than your church.
How does being a Minister for Tax Purposes impact the way you report and pay taxes?
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
What is minister's housing allowance?
This is arguably the most important tax benefit available to ministers, allowing them to exclude housing expenses from their income, before and after retirement. Unfortunately, it’s often misunderstood.
What is the difference between the lump sum “package” approach and a salary-and-benefits approach?
A church that takes the time to properly structure a minister’s compensation and benefits is practicing good stewardship which can make a huge difference in the current financial life — and financial future — of a pastor.
Opting Out of Social Security
Once you opt out, you forfeit any social security benefits in the future.
Opting Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
How do I steward a reasonable, yet market-based pastor salary?
Learn two strategies to help break the cycle of below-market pay.
Using Property and Casualty Coverage to Protect Your Church and Pastor
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
SBC State Benefits
Do you receive W-2 taxable income from a Southern Baptist church, church-related school or association? You may be eligible for additional benefits from participating in the Southern Baptist church retirement plan.
HEALTH PLANS 101
What are health plans?
Use these resources to better understand health plan basics and terminology.
How to Choose a Health Plan
Learn strategies to choose a health plan that best fits your needs and budget.
Maximize Health Care Savings Arrangements
Use these resources to discover valuable tax advantages of Health Savings Accounts (HSAs),1 Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs). You may consider checking with your health plan administrator or a financial institution about options.
USING YOUR HEALTH PLAN
Get Started with Your GuideStone Health Plan
Once your plan is active, use these resources to get started.
Access In-network Care
These resources make it easy to find the care you need through your GuideStone health plan.
Not all BCBS networks are the same. To maximize savings, always verify that providers and facilities are in-network for GuideStone health plans by contacting the patient advocates at Highmark®:
- Visit MyHighmark.com
- Install the My Highmark app or
- Call 1-866-472-0924 (the number on the back of your medical ID card)
Preventive Care
Preventive care can help detect issues early and is covered at no additional cost when using in-network providers and facilities for eligible routine preventive care.
Access In-network International Care
GuideStone health plans offer international coverage at no additional cost when you travel abroad.
Wellness Tools and Additional Benefits
GuideStone health plans are packed with added benefits and programs that make staying healthy easier than ever!
Prescriptions
Learn how prescription coverage works with your GuideStone health plan and how to save money.
Specialty Prescriptions
Learn how additional programs may be able to help you pay as low as $0 for your specialty medications.
Manage Medical Expenses and Bills
Find tips and resources to help reduce and manage medical expenses and bills.
OTHER COVERAGES
Life Coverage
Use these resources to learn about the importance of life coverage, calculate how much you might need and designate beneficiaries.
Vision Coverage
Discover the benefits of having vision coverage, how to use your vision plan and more.
Dental Coverage
Learn about common types of dental coverage, how it works and how to find a dentist.
Read article to discover what to consider when selecting a dental plan.
Learn the differences between DHMO and DPPO plans.
Find a Cigna Dental Care® DHMO network dentist or specialist.6
Find a Cigna Dental Care® DPPO network dentist or specialist.6
Access dental care from home 24/7/365 with Cigna Dental Virtual Care.6
Disability Coverage
Find out how disability coverage can help replace a portion of income.
Southern Baptist Convention (SBC) Church Benefits
Do you receive Form W-2 taxable income from a Southern Baptist church, church-related school or association? You may be eligible for additional benefits from participating in the Southern Baptist Church Retirement Plan.
HEALTH AND WELLNESS 101
Maximize Your Nutrition
Proper nutrition can help care for our bodies in a way that honors the Lord.
Make Healthy Eating Choices
Make the most of each meal to enhance your physical health.
Practice Healthy Habits
Implement physical wellness goals to create healthy habits for life.
OVERCOMING CHALLENGES
Common Health Challenges
Risk assessments and resources are tools to help you navigate health challenges.
Navigate Health Challenges
Get help navigating health challenges with patient advocates.
Contact the patient advocates at Highmark to find in-network providers for GuideStone health plans:
- Visit MyHighmark.com
- Install the My Highmark app or
- Call 1-866-472-0924 (the number on the back of your medical ID card)
Quality Care and Tools at Low or No Cost
Discover low- and no-cost care and helpful wellness tools and programs.
Mental Health Resources
Are you struggling with mental health? There is help and hope.
Contact the patient advocates at Highmark to ask about mental health coverage for GuideStone health plans:
- Visit MyHighmark.com
- Install the My Highmark app or
- Call 1-866-472-0924 (the number on the back of your medical ID card)
Log in to MyGuideStone to download your plan booklet and review mental health benefits.
Learn about annual depression screening and anxiety screenings as preventive care for GuideStone health plans.
Learn about Mental Health care through Teladoc for most GuideStone health plans.2
Find helpful mental health resources.
MINISTER-SPECIFIC RESOURCES
Lump Sum "Package" Approach Versus Salary-and-benefits Approach
A church that properly structures a minister’s compensation and benefits practices good stewardship, which can help improve a pastor’s current and future finances.
Long-term Financial Impact of Social Security
Be mindful of how today’s decisions can impact your financial security and potential Medicare and disability benefits later in life.
Potential Opportunity to Opt Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
PROPERTY AND CASUALTY
Property and Casualty Insurance
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.7
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to help you start well.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.
Begin to Save
(any age)
Begin to Save
(any age)For those with little or no experience with retirement savings, budgeting, health plans and other coverages
Launch your journey to financial security and resilience by developing healthy habits for retirement, finances and wellness as early as possible.
Retirement
Health & Wellness
BUDGETING 101
Budgeting for Every Season of Life
Whether your budget is big or small, what matters is that you stay aware of how your budget should change as you age.
Budgeting your Money
Use these resources to help you build a budget and manage your money with practical tips and professional guidance.
Purchasing a Car
Before purchasing a car, use this calculator to estimate your expenses.
Purchasing a Home
Know where your money is going. With these tools, you’ll see how much you can afford and how much you have left to save.
Considering a Single-Income Household
Before deciding if you need one income or two — as a couple — use this tool to help decide.
SAVING 101
Are you saving for retirement?
If not, get started today by using one of these options.
Contact your employer to set up your GuideStone Retirement Account.
Retirement Planning at Any Age
While retirement may feel like it's far away, learn how to start saving well now to finish well later.
Saving Strategically
Maximize your efforts by saving strategically and early
Take Advantage of Employer-Matching Contributions
An employer match means your employer is investing in your retirement alongside you. Don’t miss out!
Life Insurance Considerations
Utilize these resources to learn more about life insurance and how it impacts you and your family.
RETIREMENT SAVINGS 101
401(k) and 403(b): What’s the difference?
A 401(k) and a 403(b) are both types of retirement plans, but one is distinctly advantageous for ministries.
What is faith-based investing?
Our investing policy follows biblical principles by excluding investments that are incompatible with our moral and ethical posture as Christians.
What is an IRA?
Check out these seven situations when an IRA may be a wise choice as you plan for the future.
IRAs vs. Investment Accounts
When it comes to investing, it's important to identify your financial goals and objectives before you choose an account type.
Roth or Tax-Sheltered: Which contribution is right for you?
If your employer's retirement plan offers different contribution options, it's important to consider the financial implications of each one.
What is vesting?
Vesting determines the amount of employer-contributions that are yours based on how long you've been employed.
What You Should Know about Market Volatility.
You should expect volatility but stay focused on your long-term goals.
Ways to Respond to Financial Market News
Saving for retirement is a marathon, not a sprint. Don’t panic due to short-term market fluctuations.
ESTATE PLANNING 101
Five Key Documents Your Loved Ones May Need Someday
Estate Planning Assistance
Do it Yourself: Utilize an online tool
Decide Which Best Fits Your Needs: Will vs. Trust
9 Basic Steps for Estate Planning
- Organize documents and information
- Set up your Will or Living Trust
- Create a Living Will
- Designate guardians for minor children or dependents
- Choose an Executor for your Estate or Successor Trustee for your Living Trust
- Set up a Financial Power of Attorney
- Set up a Medical Power of Attorney
- Set up Beneficiary Designations
- Determine "Celebration of Life" Arrangements
Why is it important to keep your beneficiaries up-to-date?
Have you lost a spouse?
Utilize this checklist to help identify immediate action items and help you plan ahead.
MINISTER-SPECIFIC RESOURCES
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you start, stay and finish well. Topics include: ministerial tax issues, compensation planning, housing allowance, Social Security, benefits and more!
Global Worker Resources Center
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
What does it mean to be a Minister for Tax Purposes?
The IRS may have different criteria for being a minister than your church.
How does being a Minister for Tax Purposes impact the way you report and pay taxes?
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
What is minister's housing allowance?
This is arguably the most important tax benefit available to ministers, allowing them to exclude housing expenses from their income, before and after retirement. Unfortunately, it’s often misunderstood.
Lump Sum “Package” Approach Versus Salary-and-benefits Approach
A church that properly structures a minister’s compensation and benefits practices good stewardship, which can help improve a pastor’s current and future finances.
Opting Out of Social Security
Once you opt out, you forfeit any social security benefits in the future.
Potential Opportunity to Opt Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
Long-term Financial Impact of Social Security
Be mindful of how today’s decisions can impact your financial security and potential Medicare and disability benefits later in life.
How Do I Steward a Reasonable, Yet Market-based Pastor Salary?
Learn two strategies to help break the cycle of below-market pay.
Using Property and Casualty Coverage to Protect Your Church and Pastor
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
SBC State Benefits
Do you receive W-2 taxable income from a Southern Baptist church, church-related school or association? You may be eligible for additional benefits from participating in the Southern Baptist church retirement plan.
HEALTH PLANS 101
Choose a Health Plan that Fits Your Budget
Learn strategies to choose a health plan that best fits your budget.
Maximize Health Care Savings Arrangements
Discover valuable tax advantages of Health Savings Accounts (HSAs),1 Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs).
HEALTH PLAN SAVINGS
In-network Providers
Not all BCBS networks are the same. To maximize savings, always verify that providers and facilities are in-network, especially if you previously had a BCBS plan apart from GuideStone.
Contact the patient advocates at Highmark® for help finding in-network care and understanding benefits:
- Visit MyHighmark.com
- Install the My Highmark app or
- Call 1-866-472-0924 (the number on the back of your medical ID card)
Quality Care and Tools at Low or No Cost
Discover low- and no-cost care and helpful wellness tools and programs.
Virtual Care Programs
Access care at low or no additional cost to GuideStone health plans from the convenience of your own home.
Preventive Care
Preventive care9 can help detect issues early and potentially reduce the need for more costly treatment.
Prescriptions
Learn how prescription coverage works with GuideStone health plans and how to save money.
Explore prescription options through Express Scripts® (ESI).
Designate your preferred major retail pharmacy for in-network savings.
Read article to find ways to save money on prescriptions.
Discover how to manage and save on maintenance medications.
Your specialty medication may be covered at no cost to you through SaveOnSP®.4
Managing Medical Expenses and Bills
Find tips and resources to help reduce and manage medical expenses and bills.
Read article to learn how to reduce out-of-pocket expenses.
Read article to learn how to save for medical expenses.
Read article for tips on taking control of medical bills.
Understand your rights and protections against surprise medical bills.
Read article to learn how patient advocates can help with billing and other financial concerns during complex health issues.
Discount Programs and Tools for Financial Well-being
Gain valuable discounts and identity theft protection at no additional cost for GuideStone health plans.
FINANCIAL ADVANTAGES OF OTHER COVERAGES
Life Coverage
Help provide financially for your loved ones with these life coverage resources.
Use the life coverage calculator to estimate coverage needs.
Read article to learn the difference between term and whole life coverage.
Read article on reviewing life coverage during seven life events.
Learn about a survivor protection benefit through Southern Baptist Convention (SBC) state benefits.
Log in to MyGuideStone to view and update beneficiaries.
Vision Coverage
Save on eye exams, glasses, contact lenses and more with a Vision Service Plan® (VSP®).5 Plus, take advantage of an additional discount offer.
Dental Coverage
Select the correct dental plan for your needs and budget, stay in-network and utilize virtual dental care.
Read article to discover financial considerations when selecting a dental plan.
Learn the differences between DHMO and DPPO plans.
Find a Cigna Dental Care® DHMO network dentist or specialist.6
Find a Cigna Dental Care® DPPO network dentist or specialist.6
Access dental care from home 24/7/365 with Cigna Dental Virtual Care.6
Disability Coverage
More than 1 in 4 U.S. adults face disability,11 which includes mental health claims.12 (Find mental health resources below.) Help replace a portion of your income with disability coverage.
HEALTH AND WELLNESS 101
Practice Healthy Habits
Adopting healthy, budget-friendly habits now can help you manage symptoms and support your overall well-being in the long run.
Mental Health Resources
Mental health issues rank among the top five most common reasons for long-term disability claims in the U.S., which could impact finances.12 Are you struggling with mental health? There is help and hope.
Log in to MyGuideStone to download your plan booklet and review mental health benefits.
Contact the patient advocates at Highmark to ask about mental health coverage for GuideStone health plans:
- Visit MyHighmark.com
- Install the My Highmark app or
- Call 1-866-472-0924 (the number on the back of your medical ID card)
FAMILY FIRSTS
Growing Your Family
Getting married or having a baby are joyful milestones that come with financial responsibilities. Use these resources to help establish a strong financial foundation.
Read article about money conversations for engaged or newly married couples.
Expecting a baby? Enroll in Baby BluePrints® at no additional cost.
Make the most of maternity care benefits before and after the birth of your baby.
Add newborns and adopted children to your health plan within 60 days. (No Social Security number is needed.)
Read article for a health care and financial checklist for new parents.
Read article to estimate how much life coverage is needed for stay-at-home parents.
Family Finances 101
Budgeting, saving, planning and building your credit score are essential as you begin to save.
Use the home budget analysis calculator to determine a monthly budget.
Use an emergency savings calculator to estimate how much savings you may need.
Read article to learn how to use credit cards wisely.
Read article to learn how to build your credit score.
Read article on five ways life coverage can help safeguard your family’s future.
MINISTER-SPECIFIC RESOURCES
Lump Sum “Package” Approach Versus Salary-and-benefits Approach
A church that properly structures a minister’s compensation and benefits practices good stewardship, which can help improve a pastor’s current and future finances.
Long-term Financial Impact of Social Security
Be mindful of how today’s decisions can impact your financial security and potential Medicare and disability benefits later in life.
Potential Opportunity to Opt Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
PROPERTY AND CASUALTY
Property and Casualty Insurance
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.7
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to help you start well.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.
Stay on Track
(35+)
Stay on Track
(35+)For those with retirement savings and a health plan who are looking to stay on track to finish well
Continue growing your retirement savings and maximizing your health plan and other coverages to help enhance your financial security and resilience.
GROW YOUR SAVINGS
Check your Retirement Progress
The Retirement Readiness Assessment can show you your progress and give you tips to get or stay on track.
Are you saving for retirement?
If not, get started today by using one of these options.
Contact your employer to set up your GuideStone Retirement Account
Retirement Planning at Any Age
While retirement may feel like it's far away, learn how to start saving well now to finish well later.
Saving Strategically
Maximize your efforts by saving strategically and early
Take Advantage of Employer-Matching Contributions
An employer match means your employer is investing in your retirement alongside you. Don’t miss out!
Consider Rolling Over or Consolidating
Have you considered simplifying your financial life by consolidating old retirement accounts? Here are some factors to consider in making your decision.
Budget Well
Whether your budget is big or small, it's important to make adjustment as you age.
Pay Down Debt
Reducing debt while saving for retirement can help with reducing financial needs in your retirement years.
Save Better for Retirement
Use these resources to help you strategically increase your savings.
Stay Properly Invested
Whether you prefer your investments managed for you, by you or with you, use these resources to determine if you’re preparing well for retirement.
PLANNING FOR YOUR FAMILY
Invest for your Children and Grandchildren
Find tips on creating a financial pathway for your children and their children.
Life Insurance Considerations
Utilize these resources to learn more about life insurance and how it impacts you and your family.
Estate Plan Review
As your family grows and changes, periodically review your estate plan.
ESTATE PLANNING 101
Five Key Documents Your Loved Ones May Need Someday
Estate Planning Assistance
Do it Yourself: Utilize an online tool
Decide Which Best Fits Your Needs: Will vs. Trust
9 Basic Steps for Estate Planning
- Organize documents and information
- Set up your Will or Living Trust
- Create a Living Will
- Designate guardians for minor children or dependents
- Choose an Executor for your Estate or Successor Trustee for your Living Trust
- Set up a Financial Power of Attorney
- Set up a Medical Power of Attorney
- Set up Beneficiary Designations
- Determine "Celebration of Life" Arrangements
Why is it important to keep your beneficiaries up-to-date?
Have you lost a spouse?
Utilize this checklist to help identify immediate action items and help you plan ahead.
MINISTER-SPECIFIC RESOURCES
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you start, stay and finish well. Topics include: ministerial tax issues, compensation planning, housing allowance, Social Security, benefits and more!
Global Worker Resources Center
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
What does it mean to be a "Minister for Tax Purposes"?
The IRS may have different criteria for being a minister than your church.
How does being a Minister for Tax Purposes impact the way you report and pay taxes?
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
What is minister's housing allowance?
This is arguably the most important tax benefit available to ministers, allowing them to exclude housing expenses from their income, before and after retirement. Unfortunately, it’s often misunderstood.
What is the difference between the lump sum “package” approach and a salary-and-benefits approach?
A church that takes the time to properly structure a minister’s compensation and benefits is practicing good stewardship which can make a huge difference in the current financial life — and financial future — of a pastor.
Opting Out of Social Security
Once you opt out, you forfeit any social security benefits in the future.
Opting Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
How Do I Steward a Reasonable, Yet Market-based Pastor Salary?
Learn two strategies to help break the cycle of below-market pay.
Using Property and Casualty Coverage to Protect Your Church and Pastor
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
SBC State Benefits
Do you receive W-2 taxable income from a Southern Baptist church, church-related school or association? You may be eligible for additional benefits from participating in the Southern Baptist church retirement plan.
AGE-SPECIFIC MILESTONES
Age 50: Catch-up Contributions
At 50, you can begin making catch-up contributions toward your retirement savings.
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to see if you are on track.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.
Prepare to Retire
(55+)
Prepare to Retire
(55+)For those within 10 years of retirement, looking ahead to the next season
As you near retirement, use tailored resources to help you make key decisions about retirement and wellness, charting your course to finish well.
6-10 years
5 years
2-5 years
AM I PREPARED TO RETIRE?
Check your Retirement Progress
The Retirement Readiness Assessment can show you your progress and give you tips to get or stay on track.
Complete the Retirement Goals and Dreams Checklist
Use this checklist to help you picture your retirement.
Review the Retirement Planning Checklist
Use this checklist to help determine major decisions you need to make as you move toward retirement.
Budget for Retirement
Create a budget for retirement using these resources.
Pay Down Debt
Reducing debt while saving for retirement can help with reducing financial needs in your retirement years.
3 Ways to Prepare for an Unexpected Early Retirement
Sometimes plans change. Learn how to prepare if this happens to you.
Consider Rolling Over or Consolidating
Have you considered simplifying your financial life by consolidating old retirement accounts? Here are some factors to consider in making your decision.
Estate Plan Review
As your family grows and changes, periodically review your estate plan.
ESTATE PLANNING 101
Five Key Documents Your Loved Ones May Need Someday
Estate Planning Assistance
Do it Yourself: Utilize an online tool
Decide Which Best Fits Your Needs: Will vs. Trust
9 Basic Steps for Estate Planning
- Organize documents and information
- Set up your Will or Living Trust
- Create a Living Will
- Designate guardians for minor children or dependents
- Choose an Executor for your Estate or Successor Trustee for your Living Trust
- Set up a Financial Power of Attorney
- Set up a Medical Power of Attorney
- Set up Beneficiary Designations
- Determine "Celebration of Life" Arrangements
Why is it important to keep your beneficiaries up-to-date?
Have you lost a spouse?
Utilize this checklist to help identify immediate action items and help you plan ahead.
AM I ON TRACK?
Am I on track for retirement?
Learn how to know if you are on track to finish well in retirement.
Are you properly invested?
As you move toward retirement, it's important to periodically evaluate your investments.
Three Investment Approaches
Do you prefer your investments be managed for you, by you or with you? Find out more!
Check Your Contribution Limits
Do you know how much you can annually contribute to your retirement savings? Find out!
Increase or Catch-up on Contributions
Annually evaluate and increase your contributions to help prepare you and your family for retirement.
HOW WILL I RECEIVE INCOME IN RETIREMENT?
Get your GuideStone Retirement Income Estimate using the Retirement Income Estimate Tool
Learn about your income options and receive an estimate for your retirement income amount.
Use our Retirement Income Solutions Workbook
Choosing your retirement withdrawal strategy is a crucial element in developing a plan for a secure retirement.
Calculate How Much You Need in Retirement
Find out how much monthly income your retirement savings may provide in retirement.
Learn the Consequences of Early Retirement Withdrawal
Find out about how withdrawing your retirement savings early may affect you.
WHAT DO I NEED TO CONSIDER WITH SOCIAL SECURITY?
Forward Thinking: Social Security in Retirement
This educational webinar will provide answers to common questions and concerns about Social Security in retirement.
Determine If You are Eligible for Social Security
Learn tips for maximizing your Social Security benefit.
What opportunities are available for ministers to opt back in to Social Security if they previously opted out?
If you're a minister who opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
Estimate your Social Security Payments
Find out what your estimated Social Security payment will be based on your work history and eligibility.
Sign up for your My Social Security Account
You’ll be leaving GuideStone.org and going to a U.S. government website.
MINISTER-SPECIFIC RESOURCES
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you finish well. Topics include ministerial tax issues, compensation planning, housing allowance, Social Security, benefits and more!
Minister's Housing Allowance FAQs
Review our Ministers' Housing Allowance FAQs to understand how this may benefit you.
Ministerial Tax Issues
Learn more about ministerial tax issues and how they may pertain to you or ministerial staff in retirement.
Age-related Property Tax Exemptions in Some States
Some states offer tax exemptions for seniors. Search your state’s website to see whether your state has rules for property taxes based on age. Search your states website to see whether your state has rules for property taxes based on age.
Opting Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
MEDICARE
Medicare-coordinating plans at GuideStone
Learn about Medicare-coordinating plans at GuideStone.
Medicare Basics
Use these resources to learn more about Medicare and how it can impact your retirement.
AGE-SPECIFIC MILESTONES
Age 62: Eligible for Social Security Payments
You can begin Social Security payments, but they may be 30% less than if you decide to wait to receive full benefits.
Age 64 1/2 (Six months prior to turning 65): Find out if you are eligible for Medicare.
There are factors that play into Medicare eligibility. Find out if you qualify.
Age 65: Welcome to Medicare!
Even if you are covered by a major medical group coverage, enroll in Medicare Part A unless you are contributing to a Health Savings Account (HSA).
Age 67: Full Retirement Age and Eligible for Full Benefits of Social Security Payment
Access full benefits of Social Security Payments (Age 67 applies to those born 1960 and later. For those born prior to 1960, it will be age 66 and X months.)
Age 70: If you have not accessed Social Security, register now!
Your payments have reached full potential.
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to see if you are prepared to retire.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.
Enter Retirement
(65+)
Enter Retirement
(65+)For those shifting their ministry focus from employee to retiree
Make confident decisions about your financial and physical well-being as you enter retirement. Finish well with resilience.
KEY ACTION STEPS
Review Your Retirement Dreams and Goals Checklist
If you haven’t already, download and complete this checklist to picture your retirement!
Choose Your Withdrawal Strategy
Log in to your MyGuideStone® account to review your retirement income estimate prior to deciding your withdrawal strategy.
Apply for Retirement Income
Login to your MyGuideStone account to begin receiving your retirement income.
Set Up Your Annual Financial Educator Appointment
Review your retirement account and plan annually to make sure to steward wisely as you finish well
Determine When to Start Taking Social Security
To access Social Security’s online services, create an account or sign in through your choice of two credentialed service providers.
You’ll be leaving GuideStone.org and going to a U.S. government website.
Apply for or Update Medicare-coordinating Plan
If you have questions about which Medicare-coordinating Plan is right for you, reach out to a customer solutions specialist by calling 1-844-INS-GUIDE (1-844-467-4843), Monday through Friday, from 7 a.m. to 6 p.m. CT
LIFE INSURANCE
How much life insurance do you have?
Check your current life insurance to determine if changes are needed.
How much life insurance do you need?
Use these tools to find out how much life insurance you should have.
Do you have a stay-at-home spouse?
Learn more about what to consider with a single-income home.
7 Reasons to Review Your Life Insurance
If you've gone through one of these seven life events, it may be time to adjust your insurance.
MINISTRY-SPECIFIC BENEFITS AND TAX INFORMATION
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you finish well. Topics include ministerial tax issues, compensation planning, housing allowance, Social Security, benefits and more!
Minister's Housing Allowance FAQs
Review our Ministers' Housing Allowance FAQs to understand how this may benefit you.
Ministerial Tax Issues
Learn more about ministerial tax issues and how they may pertain to you or ministerial staff in retirement.
Set Up Planned Giving
Planned giving can help you minimize taxes and maximize giving to your family and to the charitable ministries that align with your values and vision.
Age-related Property Tax Exemptions in some States
Some states offer tax exemptions for seniors. Search your state’s website to see whether your state has rules for property taxes based on age. Search your state's website to see whether your state has rules for property taxes based on age.
ESTATE PLANNING 101
Five Key Documents Your Loved Ones May Need Someday
Estate Planning Assistance
Do it Yourself: Utilize an online tool
Decide Which Best Fits Your Needs: Will vs. Trust
9 Basic Steps for Estate Planning
- Organize documents and information
- Set up your Will or Living Trust
- Create a Living Will
- Designate guardians for minor children or dependents
- Choose an Executor for your Estate or Successor Trustee for your Living Trust
- Set up a Financial Power of Attorney
- Set up a Medical Power of Attorney
- Set up Beneficiary Designations
- Determine "Celebration of Life" Arrangements
Why is it important to keep your beneficiaries up-to-date?
Have you lost a spouse?
Utilize this checklist to help identify immediate action items and help you plan ahead.
MINISTER-SPECIFIC RESOURCES
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you finish well. Topics include: ministerial tax issues, compensation planning, housing allowance, Social Security and more!
Global Worker Resources Center
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
What does it mean to be a Minister for Tax Purposes?
The IRS may have different criteria for being a minister than your church.
How does being a Minister for Tax Purposes impact the way you report and pay taxes?
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
What is minister's housing allowance?
This is arguably the most important tax benefit available to ministers, allowing them to exclude housing expenses from their income, before and after retirement. Unfortunately, it’s often misunderstood.
What is the difference between the lump sum “package” approach and a salary-and-benefits approach?
A church that takes the time to properly structure a minister’s compensation and benefits is practicing good stewardship which can make a huge difference in the current financial life — and financial future — of a pastor.
Opting Out of Social Security
Once you opt out, you forfeit any social security benefits in the future.
How do I steward a reasonable, yet market-based pastor salary?
Learn more about what it means to steward your financial needs.
Using Property and Casualty Coverage to Protect Your Church and Pastor
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
SBC State Benefits
Do you receive W-2 taxable income from a Southern Baptist church, church-related school or association? You may be eligible for additional benefits from participating in the Southern Baptist church retirement plan.
Mission:Dignity
A resource for those who find themselves in need financially as they retire. Get involved or receive assistance today!
AGE-SPECIFIC MILESTONES
Age 65: Eligible for Financial Assistance
With a desire to serve those worthy of double honor, Mission:Dignity® seeks to serve retirement-aged Southern Baptist ministers, workers and their widows whose income is insufficient to meet their daily needs.
Age 67: Full Retirement Age and Eligible for Full Benefits of Social Security Payment
Access full benefits of Social Security Payments (Age 67 applies to those born 1960 and later. For those born prior to 1960, it will be age 66 and X months.)
Age 70: Eligible for Full Amount of Social Security Payments
Your payments have reached full potential.
Age 73: Start Taking Your Required Minimum Distribution (RMD)
The IRS mandates Required Minimum Distributions (RMDs), unless you are still working through the end of the year.
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to help answer questions as you enter retirement.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.
Steward Freely
(fully retired)
Steward Freely
(fully retired)For those who are fully retired and want to invest their time and resources into a new season of ministry
Maintain financial security and resilience as you live well in retirement and plan for your family’s future.
KEY ACTION STEPS
Periodically Review Your Retirement Account in MyGuideStone
It's good to stay aware of how your finances are doing so there's less of a chance to encounter a surprise.
Determine Volunteer/Service Opportunities
You have so much to offer! Check out service opportunities through your church or local organizations.
Periodically Review Retirement Dreams and Goals Checklist
Review your dreams and goals for retirement in order to make adjustments along the way.
Periodically Evaluate Risk Tolerance on Investments
Log in to your MyGuideStone account to check your allocations to keep your investments up-to-date.
ESTATE PLANNING 101
Five Key Documents Your Loved Ones May Need Someday
Estate Planning Assistance
Do it Yourself: Utilize an online tool
Decide Which Best Fits Your Needs: Will vs. Trust
9 Basic Steps for Estate Planning
- Organize documents and information
- Set up your Will or Living Trust
- Create a Living Will
- Designate guardians for minor children or dependents
- Choose an Executor for your Estate or Successor Trustee for your Living Trust
- Set up a Financial Power of Attorney
- Set up a Medical Power of Attorney
- Set up Beneficiary Designations
- Determine "Celebration of Life" Arrangements
Why is it important to keep your beneficiaries up-to-date?
Have you lost a spouse?
Utilize this checklist to help identify immediate action items and help you plan ahead.
LONG-TERM CARE 101
Long-Term Care Calculator
This calculator can help you determine if you are financially prepared should you require long-term care in the future.
Money Talks: 3 Points of Discussion for Your Family
These tips will help prepare your family members for the days to come.
Long-Term Care: Costs and Considerations
Consider these long-term care topics, even if you don't think you will need it.
AGE-SPECIFIC MILESTONES
Age 65: Eligible for Financial Assistance
With a desire to serve those worthy of double honor, Mission:Dignity® seeks to serve retirement-aged Southern Baptist ministers, workers and their widows whose income is insufficient to meet their daily needs.
Age 67: Full Retirement Age and Eligible for Full Benefits of Social Security Payment
Access full benefits of Social Security Payments (Age 67 applies to those born 1960 and later. For those born prior to 1960, it will be age 66 and X months.)
Age 70: Eligible for Full Amount of Social Security Payments
Your payments have reached full potential.
Age 73: Start Taking your Required Minimum Distribution (RMD)
The IRS mandates Required Minimum Distributions (RMDs), unless you are still working through the end of the year.
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to guide you as you finish well.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.
Start a Career
(any age)For those beginning a career with little or no experience with retirement savings, budgeting, health plans or other types of coverages
Take the right steps early in your career to build a strong foundation and maximize your financial resilience and physical well-being.
Retirement
Health & Wellness
BUDGETING 101
Budgeting Basics
Use these resources to help you build a budget and manage your money with practical tips and professional guidance.
Purchasing a Car
Before purchasing a car, use this calculator to estimate your expenses.
Purchasing a Home
Buying a home is often the largest financial decision a family makes. Use these tools to help you buy a home that you can afford while avoiding unforeseen financial pitfalls.
10 Money Conversations for Engaged and Newly Married Couples
Reduce disagreements by following these tips on talking money with your fiancée* or new spouse.
SAVING EARLY 101
Are you saving for retirement?
If not, get started today by using one of these options.
Contact your employer to set up your GuideStone Retirement Account.
Saving Strategically
Maximize your efforts by saving strategically and early.
Retirement Planning for People in Their 20s-Early 30s
Though retirement may seem a long way off, starting early makes a big difference later.
Take Advantage of Employer-Matching Contributions
An employer match means your employer is investing in your retirement alongside you. Don’t miss out!
RETIREMENT SAVINGS 101
401(k) and 403(b): What’s the difference?
A 401(k) and a 403(b) are both types of retirement plans, but one is distinctly advantageous for ministries.
What is faith-based investing?
Our investing policy follows biblical principles by excluding investments that are incompatible with our moral and ethical posture as Christians.
What is an IRA?
Check out these seven situations when an IRA may be a wise choice as you plan for the future.
IRAs vs. Investment Accounts
When it comes to investing, it's important to identify your financial goals and objectives before you choose an account type.
Roth or Tax-Sheltered: Which contribution is right for you?
If your employer's retirement plan offers different contribution options, it's important to consider the financial implications of each one.
What is vesting?
Vesting determines the amount of employer-contributions that are yours based on how long you've been employed.
What You Should Know about Market Volatility
You should expect volatility but stay focused on your long-term goals.
How to Respond to Financial Market News
Saving for retirement is a marathon, not a sprint. Don’t panic due to short-term market fluctuations.
MINISTER-SPECIFIC RESOURCES
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you start, stay and finish well. Topics include: ministerial tax issues, compensation planning, housing allowance, Social Security, benefits and more!
Global Worker Resources Center
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
What does it mean to be a Minister for Tax Purposes?
The IRS may have different criteria for being a minister than your church.
How does being a Minister for Tax Purposes impact the way you report and pay taxes?
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
What is minister's housing allowance?
This is arguably the most important tax benefit available to ministers, allowing them to exclude housing expenses from their income, before and after retirement. Unfortunately, it’s often misunderstood.
What is the difference between the lump sum “package” approach and a salary-and-benefits approach?
A church that takes the time to properly structure a minister’s compensation and benefits is practicing good stewardship which can make a huge difference in the current financial life — and financial future — of a pastor.
Opting Out of Social Security
Once you opt out, you forfeit any social security benefits in the future.
Opting Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
How do I steward a reasonable, yet market-based pastor salary?
Learn two strategies to help break the cycle of below-market pay.
Using Property and Casualty Coverage to Protect Your Church and Pastor
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
SBC State Benefits
Do you receive W-2 taxable income from a Southern Baptist church, church-related school or association? You may be eligible for additional benefits from participating in the Southern Baptist church retirement plan.
HEALTH PLANS 101
What are health plans?
Use these resources to better understand health plan basics and terminology.
How to Choose a Health Plan
Learn strategies to choose a health plan that best fits your needs and budget.
Maximize Health Care Savings Arrangements
Use these resources to discover valuable tax advantages of Health Savings Accounts (HSAs),1 Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs). You may consider checking with your health plan administrator or a financial institution about options.
USING YOUR HEALTH PLAN
Get Started with Your GuideStone Health Plan
Once your plan is active, use these resources to get started.
Access In-network Care
These resources make it easy to find the care you need through your GuideStone health plan.
Not all BCBS networks are the same. To maximize savings, always verify that providers and facilities are in-network for GuideStone health plans by contacting the patient advocates at Highmark®:
- Visit MyHighmark.com
- Install the My Highmark app or
- Call 1-866-472-0924 (the number on the back of your medical ID card)
Preventive Care
Preventive care can help detect issues early and is covered at no additional cost when using in-network providers and facilities for eligible routine preventive care.
Access In-network International Care
GuideStone health plans offer international coverage at no additional cost when you travel abroad.
Wellness Tools and Additional Benefits
GuideStone health plans are packed with added benefits and programs that make staying healthy easier than ever!
Prescriptions
Learn how prescription coverage works with your GuideStone health plan and how to save money.
Specialty Prescriptions
Learn how additional programs may be able to help you pay as low as $0 for your specialty medications.
Manage Medical Expenses and Bills
Find tips and resources to help reduce and manage medical expenses and bills.
OTHER COVERAGES
Life Coverage
Use these resources to learn about the importance of life coverage, calculate how much you might need and designate beneficiaries.
Vision Coverage
Discover the benefits of having vision coverage, how to use your vision plan and more.
Dental Coverage
Learn about common types of dental coverage, how it works and how to find a dentist.
Read article to discover what to consider when selecting a dental plan.
Learn the differences between DHMO and DPPO plans.
Find a Cigna Dental Care® DHMO network dentist or specialist.6
Find a Cigna Dental Care® DPPO network dentist or specialist.6
Access dental care from home 24/7/365 with Cigna Dental Virtual Care.6
Disability Coverage
Find out how disability coverage can help replace a portion of income.
Southern Baptist Convention (SBC) Church Benefits
Do you receive Form W-2 taxable income from a Southern Baptist church, church-related school or association? You may be eligible for additional benefits from participating in the Southern Baptist Church Retirement Plan.
HEALTH AND WELLNESS 101
Maximize Your Nutrition
Proper nutrition can help care for our bodies in a way that honors the Lord.
Make Healthy Eating Choices
Make the most of each meal to enhance your physical health.
Practice Healthy Habits
Implement physical wellness goals to create healthy habits for life.
OVERCOMING CHALLENGES
Common Health Challenges
Risk assessments and resources are tools to help you navigate health challenges.
Navigate Health Challenges
Get help navigating health challenges with patient advocates.
Contact the patient advocates at Highmark to find in-network providers for GuideStone health plans:
- Visit MyHighmark.com
- Install the My Highmark app or
- Call 1-866-472-0924 (the number on the back of your medical ID card)
Quality Care and Tools at Low or No Cost
Discover low- and no-cost care and helpful wellness tools and programs.
Mental Health Resources
Are you struggling with mental health? There is help and hope.
Contact the patient advocates at Highmark to ask about mental health coverage for GuideStone health plans:
- Visit MyHighmark.com
- Install the My Highmark app or
- Call 1-866-472-0924 (the number on the back of your medical ID card)
Log in to MyGuideStone to download your plan booklet and review mental health benefits.
Learn about annual depression screening and anxiety screenings as preventive care for GuideStone health plans.
Learn about Mental Health care through Teladoc for most GuideStone health plans.2
Find helpful mental health resources.
MINISTER-SPECIFIC RESOURCES
Lump Sum "Package" Approach Versus Salary-and-benefits Approach
A church that properly structures a minister’s compensation and benefits practices good stewardship, which can help improve a pastor’s current and future finances.
Long-term Financial Impact of Social Security
Be mindful of how today’s decisions can impact your financial security and potential Medicare and disability benefits later in life.
Potential Opportunity to Opt Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
PROPERTY AND CASUALTY
Property and Casualty Insurance
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.7
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to help you start well.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.
Begin to Save
(any age)For those with little or no experience with retirement savings, budgeting, health plans and other coverages
Launch your journey to financial security and resilience by developing healthy habits for retirement, finances and wellness as early as possible.
Retirement
Health & Wellness
BUDGETING 101
Budgeting for Every Season of Life
Whether your budget is big or small, what matters is that you stay aware of how your budget should change as you age.
Budgeting your Money
Use these resources to help you build a budget and manage your money with practical tips and professional guidance.
Purchasing a Car
Before purchasing a car, use this calculator to estimate your expenses.
Purchasing a Home
Know where your money is going. With these tools, you’ll see how much you can afford and how much you have left to save.
Considering a Single-Income Household
Before deciding if you need one income or two — as a couple — use this tool to help decide.
SAVING 101
Are you saving for retirement?
If not, get started today by using one of these options.
Contact your employer to set up your GuideStone Retirement Account.
Retirement Planning at Any Age
While retirement may feel like it's far away, learn how to start saving well now to finish well later.
Saving Strategically
Maximize your efforts by saving strategically and early
Take Advantage of Employer-Matching Contributions
An employer match means your employer is investing in your retirement alongside you. Don’t miss out!
Life Insurance Considerations
Utilize these resources to learn more about life insurance and how it impacts you and your family.
RETIREMENT SAVINGS 101
401(k) and 403(b): What’s the difference?
A 401(k) and a 403(b) are both types of retirement plans, but one is distinctly advantageous for ministries.
What is faith-based investing?
Our investing policy follows biblical principles by excluding investments that are incompatible with our moral and ethical posture as Christians.
What is an IRA?
Check out these seven situations when an IRA may be a wise choice as you plan for the future.
IRAs vs. Investment Accounts
When it comes to investing, it's important to identify your financial goals and objectives before you choose an account type.
Roth or Tax-Sheltered: Which contribution is right for you?
If your employer's retirement plan offers different contribution options, it's important to consider the financial implications of each one.
What is vesting?
Vesting determines the amount of employer-contributions that are yours based on how long you've been employed.
What You Should Know about Market Volatility.
You should expect volatility but stay focused on your long-term goals.
Ways to Respond to Financial Market News
Saving for retirement is a marathon, not a sprint. Don’t panic due to short-term market fluctuations.
ESTATE PLANNING 101
Five Key Documents Your Loved Ones May Need Someday
Estate Planning Assistance
Do it Yourself: Utilize an online tool
Decide Which Best Fits Your Needs: Will vs. Trust
9 Basic Steps for Estate Planning
- Organize documents and information
- Set up your Will or Living Trust
- Create a Living Will
- Designate guardians for minor children or dependents
- Choose an Executor for your Estate or Successor Trustee for your Living Trust
- Set up a Financial Power of Attorney
- Set up a Medical Power of Attorney
- Set up Beneficiary Designations
- Determine "Celebration of Life" Arrangements
Why is it important to keep your beneficiaries up-to-date?
Have you lost a spouse?
Utilize this checklist to help identify immediate action items and help you plan ahead.
MINISTER-SPECIFIC RESOURCES
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you start, stay and finish well. Topics include: ministerial tax issues, compensation planning, housing allowance, Social Security, benefits and more!
Global Worker Resources Center
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
What does it mean to be a Minister for Tax Purposes?
The IRS may have different criteria for being a minister than your church.
How does being a Minister for Tax Purposes impact the way you report and pay taxes?
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
What is minister's housing allowance?
This is arguably the most important tax benefit available to ministers, allowing them to exclude housing expenses from their income, before and after retirement. Unfortunately, it’s often misunderstood.
Lump Sum “Package” Approach Versus Salary-and-benefits Approach
A church that properly structures a minister’s compensation and benefits practices good stewardship, which can help improve a pastor’s current and future finances.
Opting Out of Social Security
Once you opt out, you forfeit any social security benefits in the future.
Potential Opportunity to Opt Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
Long-term Financial Impact of Social Security
Be mindful of how today’s decisions can impact your financial security and potential Medicare and disability benefits later in life.
How Do I Steward a Reasonable, Yet Market-based Pastor Salary?
Learn two strategies to help break the cycle of below-market pay.
Using Property and Casualty Coverage to Protect Your Church and Pastor
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
SBC State Benefits
Do you receive W-2 taxable income from a Southern Baptist church, church-related school or association? You may be eligible for additional benefits from participating in the Southern Baptist church retirement plan.
HEALTH PLANS 101
Choose a Health Plan that Fits Your Budget
Learn strategies to choose a health plan that best fits your budget.
Maximize Health Care Savings Arrangements
Discover valuable tax advantages of Health Savings Accounts (HSAs),1 Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs).
HEALTH PLAN SAVINGS
In-network Providers
Not all BCBS networks are the same. To maximize savings, always verify that providers and facilities are in-network, especially if you previously had a BCBS plan apart from GuideStone.
Contact the patient advocates at Highmark® for help finding in-network care and understanding benefits:
- Visit MyHighmark.com
- Install the My Highmark app or
- Call 1-866-472-0924 (the number on the back of your medical ID card)
Quality Care and Tools at Low or No Cost
Discover low- and no-cost care and helpful wellness tools and programs.
Virtual Care Programs
Access care at low or no additional cost to GuideStone health plans from the convenience of your own home.
Preventive Care
Preventive care9 can help detect issues early and potentially reduce the need for more costly treatment.
Prescriptions
Learn how prescription coverage works with GuideStone health plans and how to save money.
Explore prescription options through Express Scripts® (ESI).
Designate your preferred major retail pharmacy for in-network savings.
Read article to find ways to save money on prescriptions.
Discover how to manage and save on maintenance medications.
Your specialty medication may be covered at no cost to you through SaveOnSP®.4
Managing Medical Expenses and Bills
Find tips and resources to help reduce and manage medical expenses and bills.
Read article to learn how to reduce out-of-pocket expenses.
Read article to learn how to save for medical expenses.
Read article for tips on taking control of medical bills.
Understand your rights and protections against surprise medical bills.
Read article to learn how patient advocates can help with billing and other financial concerns during complex health issues.
Discount Programs and Tools for Financial Well-being
Gain valuable discounts and identity theft protection at no additional cost for GuideStone health plans.
FINANCIAL ADVANTAGES OF OTHER COVERAGES
Life Coverage
Help provide financially for your loved ones with these life coverage resources.
Use the life coverage calculator to estimate coverage needs.
Read article to learn the difference between term and whole life coverage.
Read article on reviewing life coverage during seven life events.
Learn about a survivor protection benefit through Southern Baptist Convention (SBC) state benefits.
Log in to MyGuideStone to view and update beneficiaries.
Vision Coverage
Save on eye exams, glasses, contact lenses and more with a Vision Service Plan® (VSP®).5 Plus, take advantage of an additional discount offer.
Dental Coverage
Select the correct dental plan for your needs and budget, stay in-network and utilize virtual dental care.
Read article to discover financial considerations when selecting a dental plan.
Learn the differences between DHMO and DPPO plans.
Find a Cigna Dental Care® DHMO network dentist or specialist.6
Find a Cigna Dental Care® DPPO network dentist or specialist.6
Access dental care from home 24/7/365 with Cigna Dental Virtual Care.6
Disability Coverage
More than 1 in 4 U.S. adults face disability,11 which includes mental health claims.12 (Find mental health resources below.) Help replace a portion of your income with disability coverage.
HEALTH AND WELLNESS 101
Practice Healthy Habits
Adopting healthy, budget-friendly habits now can help you manage symptoms and support your overall well-being in the long run.
Mental Health Resources
Mental health issues rank among the top five most common reasons for long-term disability claims in the U.S., which could impact finances.12 Are you struggling with mental health? There is help and hope.
Log in to MyGuideStone to download your plan booklet and review mental health benefits.
Contact the patient advocates at Highmark to ask about mental health coverage for GuideStone health plans:
- Visit MyHighmark.com
- Install the My Highmark app or
- Call 1-866-472-0924 (the number on the back of your medical ID card)
FAMILY FIRSTS
Growing Your Family
Getting married or having a baby are joyful milestones that come with financial responsibilities. Use these resources to help establish a strong financial foundation.
Read article about money conversations for engaged or newly married couples.
Expecting a baby? Enroll in Baby BluePrints® at no additional cost.
Make the most of maternity care benefits before and after the birth of your baby.
Add newborns and adopted children to your health plan within 60 days. (No Social Security number is needed.)
Read article for a health care and financial checklist for new parents.
Read article to estimate how much life coverage is needed for stay-at-home parents.
Family Finances 101
Budgeting, saving, planning and building your credit score are essential as you begin to save.
Use the home budget analysis calculator to determine a monthly budget.
Use an emergency savings calculator to estimate how much savings you may need.
Read article to learn how to use credit cards wisely.
Read article to learn how to build your credit score.
Read article on five ways life coverage can help safeguard your family’s future.
MINISTER-SPECIFIC RESOURCES
Lump Sum “Package” Approach Versus Salary-and-benefits Approach
A church that properly structures a minister’s compensation and benefits practices good stewardship, which can help improve a pastor’s current and future finances.
Long-term Financial Impact of Social Security
Be mindful of how today’s decisions can impact your financial security and potential Medicare and disability benefits later in life.
Potential Opportunity to Opt Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
PROPERTY AND CASUALTY
Property and Casualty Insurance
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.7
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to help you start well.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.
Stay on Track
(35+)For those with retirement savings and a health plan who are looking to stay on track to finish well
Continue growing your retirement savings and maximizing your health plan and other coverages to help enhance your financial security and resilience.
GROW YOUR SAVINGS
Check your Retirement Progress
The Retirement Readiness Assessment can show you your progress and give you tips to get or stay on track.
Are you saving for retirement?
If not, get started today by using one of these options.
Contact your employer to set up your GuideStone Retirement Account
Retirement Planning at Any Age
While retirement may feel like it's far away, learn how to start saving well now to finish well later.
Saving Strategically
Maximize your efforts by saving strategically and early
Take Advantage of Employer-Matching Contributions
An employer match means your employer is investing in your retirement alongside you. Don’t miss out!
Consider Rolling Over or Consolidating
Have you considered simplifying your financial life by consolidating old retirement accounts? Here are some factors to consider in making your decision.
Budget Well
Whether your budget is big or small, it's important to make adjustment as you age.
Pay Down Debt
Reducing debt while saving for retirement can help with reducing financial needs in your retirement years.
Save Better for Retirement
Use these resources to help you strategically increase your savings.
Stay Properly Invested
Whether you prefer your investments managed for you, by you or with you, use these resources to determine if you’re preparing well for retirement.
PLANNING FOR YOUR FAMILY
Invest for your Children and Grandchildren
Find tips on creating a financial pathway for your children and their children.
Life Insurance Considerations
Utilize these resources to learn more about life insurance and how it impacts you and your family.
Estate Plan Review
As your family grows and changes, periodically review your estate plan.
ESTATE PLANNING 101
Five Key Documents Your Loved Ones May Need Someday
Estate Planning Assistance
Do it Yourself: Utilize an online tool
Decide Which Best Fits Your Needs: Will vs. Trust
9 Basic Steps for Estate Planning
- Organize documents and information
- Set up your Will or Living Trust
- Create a Living Will
- Designate guardians for minor children or dependents
- Choose an Executor for your Estate or Successor Trustee for your Living Trust
- Set up a Financial Power of Attorney
- Set up a Medical Power of Attorney
- Set up Beneficiary Designations
- Determine "Celebration of Life" Arrangements
Why is it important to keep your beneficiaries up-to-date?
Have you lost a spouse?
Utilize this checklist to help identify immediate action items and help you plan ahead.
MINISTER-SPECIFIC RESOURCES
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you start, stay and finish well. Topics include: ministerial tax issues, compensation planning, housing allowance, Social Security, benefits and more!
Global Worker Resources Center
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
What does it mean to be a "Minister for Tax Purposes"?
The IRS may have different criteria for being a minister than your church.
How does being a Minister for Tax Purposes impact the way you report and pay taxes?
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
What is minister's housing allowance?
This is arguably the most important tax benefit available to ministers, allowing them to exclude housing expenses from their income, before and after retirement. Unfortunately, it’s often misunderstood.
What is the difference between the lump sum “package” approach and a salary-and-benefits approach?
A church that takes the time to properly structure a minister’s compensation and benefits is practicing good stewardship which can make a huge difference in the current financial life — and financial future — of a pastor.
Opting Out of Social Security
Once you opt out, you forfeit any social security benefits in the future.
Opting Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
How Do I Steward a Reasonable, Yet Market-based Pastor Salary?
Learn two strategies to help break the cycle of below-market pay.
Using Property and Casualty Coverage to Protect Your Church and Pastor
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
SBC State Benefits
Do you receive W-2 taxable income from a Southern Baptist church, church-related school or association? You may be eligible for additional benefits from participating in the Southern Baptist church retirement plan.
AGE-SPECIFIC MILESTONES
Age 50: Catch-up Contributions
At 50, you can begin making catch-up contributions toward your retirement savings.
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to see if you are on track.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.
Prepare to Retire
(55+)For those within 10 years of retirement, looking ahead to the next season
As you near retirement, use tailored resources to help you make key decisions about retirement and wellness, charting your course to finish well.
6-10 years
5 years
2-5 years
AM I PREPARED TO RETIRE?
Check your Retirement Progress
The Retirement Readiness Assessment can show you your progress and give you tips to get or stay on track.
Complete the Retirement Goals and Dreams Checklist
Use this checklist to help you picture your retirement.
Review the Retirement Planning Checklist
Use this checklist to help determine major decisions you need to make as you move toward retirement.
Budget for Retirement
Create a budget for retirement using these resources.
Pay Down Debt
Reducing debt while saving for retirement can help with reducing financial needs in your retirement years.
3 Ways to Prepare for an Unexpected Early Retirement
Sometimes plans change. Learn how to prepare if this happens to you.
Consider Rolling Over or Consolidating
Have you considered simplifying your financial life by consolidating old retirement accounts? Here are some factors to consider in making your decision.
Estate Plan Review
As your family grows and changes, periodically review your estate plan.
ESTATE PLANNING 101
Five Key Documents Your Loved Ones May Need Someday
Estate Planning Assistance
Do it Yourself: Utilize an online tool
Decide Which Best Fits Your Needs: Will vs. Trust
9 Basic Steps for Estate Planning
- Organize documents and information
- Set up your Will or Living Trust
- Create a Living Will
- Designate guardians for minor children or dependents
- Choose an Executor for your Estate or Successor Trustee for your Living Trust
- Set up a Financial Power of Attorney
- Set up a Medical Power of Attorney
- Set up Beneficiary Designations
- Determine "Celebration of Life" Arrangements
Why is it important to keep your beneficiaries up-to-date?
Have you lost a spouse?
Utilize this checklist to help identify immediate action items and help you plan ahead.
AM I ON TRACK?
Am I on track for retirement?
Learn how to know if you are on track to finish well in retirement.
Are you properly invested?
As you move toward retirement, it's important to periodically evaluate your investments.
Three Investment Approaches
Do you prefer your investments be managed for you, by you or with you? Find out more!
Check Your Contribution Limits
Do you know how much you can annually contribute to your retirement savings? Find out!
Increase or Catch-up on Contributions
Annually evaluate and increase your contributions to help prepare you and your family for retirement.
HOW WILL I RECEIVE INCOME IN RETIREMENT?
Get your GuideStone Retirement Income Estimate using the Retirement Income Estimate Tool
Learn about your income options and receive an estimate for your retirement income amount.
Use our Retirement Income Solutions Workbook
Choosing your retirement withdrawal strategy is a crucial element in developing a plan for a secure retirement.
Calculate How Much You Need in Retirement
Find out how much monthly income your retirement savings may provide in retirement.
Learn the Consequences of Early Retirement Withdrawal
Find out about how withdrawing your retirement savings early may affect you.
WHAT DO I NEED TO CONSIDER WITH SOCIAL SECURITY?
Forward Thinking: Social Security in Retirement
This educational webinar will provide answers to common questions and concerns about Social Security in retirement.
Determine If You are Eligible for Social Security
Learn tips for maximizing your Social Security benefit.
What opportunities are available for ministers to opt back in to Social Security if they previously opted out?
If you're a minister who opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
Estimate your Social Security Payments
Find out what your estimated Social Security payment will be based on your work history and eligibility.
Sign up for your My Social Security Account
You’ll be leaving GuideStone.org and going to a U.S. government website.
MINISTER-SPECIFIC RESOURCES
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you finish well. Topics include ministerial tax issues, compensation planning, housing allowance, Social Security, benefits and more!
Minister's Housing Allowance FAQs
Review our Ministers' Housing Allowance FAQs to understand how this may benefit you.
Ministerial Tax Issues
Learn more about ministerial tax issues and how they may pertain to you or ministerial staff in retirement.
Age-related Property Tax Exemptions in Some States
Some states offer tax exemptions for seniors. Search your state’s website to see whether your state has rules for property taxes based on age. Search your states website to see whether your state has rules for property taxes based on age.
Opting Back in to Social Security
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
MEDICARE
Medicare-coordinating plans at GuideStone
Learn about Medicare-coordinating plans at GuideStone.
Medicare Basics
Use these resources to learn more about Medicare and how it can impact your retirement.
AGE-SPECIFIC MILESTONES
Age 62: Eligible for Social Security Payments
You can begin Social Security payments, but they may be 30% less than if you decide to wait to receive full benefits.
Age 64 1/2 (Six months prior to turning 65): Find out if you are eligible for Medicare.
There are factors that play into Medicare eligibility. Find out if you qualify.
Age 65: Welcome to Medicare!
Even if you are covered by a major medical group coverage, enroll in Medicare Part A unless you are contributing to a Health Savings Account (HSA).
Age 67: Full Retirement Age and Eligible for Full Benefits of Social Security Payment
Access full benefits of Social Security Payments (Age 67 applies to those born 1960 and later. For those born prior to 1960, it will be age 66 and X months.)
Age 70: If you have not accessed Social Security, register now!
Your payments have reached full potential.
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to see if you are prepared to retire.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.
Enter Retirement
(65+)For those shifting their ministry focus from employee to retiree
Make confident decisions about your financial and physical well-being as you enter retirement. Finish well with resilience.
KEY ACTION STEPS
Review Your Retirement Dreams and Goals Checklist
If you haven’t already, download and complete this checklist to picture your retirement!
Choose Your Withdrawal Strategy
Log in to your MyGuideStone® account to review your retirement income estimate prior to deciding your withdrawal strategy.
Apply for Retirement Income
Login to your MyGuideStone account to begin receiving your retirement income.
Set Up Your Annual Financial Educator Appointment
Review your retirement account and plan annually to make sure to steward wisely as you finish well
Determine When to Start Taking Social Security
To access Social Security’s online services, create an account or sign in through your choice of two credentialed service providers.
You’ll be leaving GuideStone.org and going to a U.S. government website.
Apply for or Update Medicare-coordinating Plan
If you have questions about which Medicare-coordinating Plan is right for you, reach out to a customer solutions specialist by calling 1-844-INS-GUIDE (1-844-467-4843), Monday through Friday, from 7 a.m. to 6 p.m. CT
LIFE INSURANCE
How much life insurance do you have?
Check your current life insurance to determine if changes are needed.
How much life insurance do you need?
Use these tools to find out how much life insurance you should have.
Do you have a stay-at-home spouse?
Learn more about what to consider with a single-income home.
7 Reasons to Review Your Life Insurance
If you've gone through one of these seven life events, it may be time to adjust your insurance.
MINISTRY-SPECIFIC BENEFITS AND TAX INFORMATION
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you finish well. Topics include ministerial tax issues, compensation planning, housing allowance, Social Security, benefits and more!
Minister's Housing Allowance FAQs
Review our Ministers' Housing Allowance FAQs to understand how this may benefit you.
Ministerial Tax Issues
Learn more about ministerial tax issues and how they may pertain to you or ministerial staff in retirement.
Set Up Planned Giving
Planned giving can help you minimize taxes and maximize giving to your family and to the charitable ministries that align with your values and vision.
Age-related Property Tax Exemptions in some States
Some states offer tax exemptions for seniors. Search your state’s website to see whether your state has rules for property taxes based on age. Search your state's website to see whether your state has rules for property taxes based on age.
ESTATE PLANNING 101
Five Key Documents Your Loved Ones May Need Someday
Estate Planning Assistance
Do it Yourself: Utilize an online tool
Decide Which Best Fits Your Needs: Will vs. Trust
9 Basic Steps for Estate Planning
- Organize documents and information
- Set up your Will or Living Trust
- Create a Living Will
- Designate guardians for minor children or dependents
- Choose an Executor for your Estate or Successor Trustee for your Living Trust
- Set up a Financial Power of Attorney
- Set up a Medical Power of Attorney
- Set up Beneficiary Designations
- Determine "Celebration of Life" Arrangements
Why is it important to keep your beneficiaries up-to-date?
Have you lost a spouse?
Utilize this checklist to help identify immediate action items and help you plan ahead.
MINISTER-SPECIFIC RESOURCES
Ministerial Resources Center
Find videos, articles and minister-specific financial resources to help you finish well. Topics include: ministerial tax issues, compensation planning, housing allowance, Social Security and more!
Global Worker Resources Center
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
What does it mean to be a Minister for Tax Purposes?
The IRS may have different criteria for being a minister than your church.
How does being a Minister for Tax Purposes impact the way you report and pay taxes?
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
What is minister's housing allowance?
This is arguably the most important tax benefit available to ministers, allowing them to exclude housing expenses from their income, before and after retirement. Unfortunately, it’s often misunderstood.
What is the difference between the lump sum “package” approach and a salary-and-benefits approach?
A church that takes the time to properly structure a minister’s compensation and benefits is practicing good stewardship which can make a huge difference in the current financial life — and financial future — of a pastor.
Opting Out of Social Security
Once you opt out, you forfeit any social security benefits in the future.
How do I steward a reasonable, yet market-based pastor salary?
Learn more about what it means to steward your financial needs.
Using Property and Casualty Coverage to Protect Your Church and Pastor
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
SBC State Benefits
Do you receive W-2 taxable income from a Southern Baptist church, church-related school or association? You may be eligible for additional benefits from participating in the Southern Baptist church retirement plan.
Mission:Dignity
A resource for those who find themselves in need financially as they retire. Get involved or receive assistance today!
AGE-SPECIFIC MILESTONES
Age 65: Eligible for Financial Assistance
With a desire to serve those worthy of double honor, Mission:Dignity® seeks to serve retirement-aged Southern Baptist ministers, workers and their widows whose income is insufficient to meet their daily needs.
Age 67: Full Retirement Age and Eligible for Full Benefits of Social Security Payment
Access full benefits of Social Security Payments (Age 67 applies to those born 1960 and later. For those born prior to 1960, it will be age 66 and X months.)
Age 70: Eligible for Full Amount of Social Security Payments
Your payments have reached full potential.
Age 73: Start Taking Your Required Minimum Distribution (RMD)
The IRS mandates Required Minimum Distributions (RMDs), unless you are still working through the end of the year.
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to help answer questions as you enter retirement.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.
Steward Freely
(fully retired)For those who are fully retired and want to invest their time and resources into a new season of ministry
Maintain financial security and resilience as you live well in retirement and plan for your family’s future.
KEY ACTION STEPS
Periodically Review Your Retirement Account in MyGuideStone
It's good to stay aware of how your finances are doing so there's less of a chance to encounter a surprise.
Determine Volunteer/Service Opportunities
You have so much to offer! Check out service opportunities through your church or local organizations.
Periodically Review Retirement Dreams and Goals Checklist
Review your dreams and goals for retirement in order to make adjustments along the way.
Periodically Evaluate Risk Tolerance on Investments
Log in to your MyGuideStone account to check your allocations to keep your investments up-to-date.
ESTATE PLANNING 101
Five Key Documents Your Loved Ones May Need Someday
Estate Planning Assistance
Do it Yourself: Utilize an online tool
Decide Which Best Fits Your Needs: Will vs. Trust
9 Basic Steps for Estate Planning
- Organize documents and information
- Set up your Will or Living Trust
- Create a Living Will
- Designate guardians for minor children or dependents
- Choose an Executor for your Estate or Successor Trustee for your Living Trust
- Set up a Financial Power of Attorney
- Set up a Medical Power of Attorney
- Set up Beneficiary Designations
- Determine "Celebration of Life" Arrangements
Why is it important to keep your beneficiaries up-to-date?
Have you lost a spouse?
Utilize this checklist to help identify immediate action items and help you plan ahead.
LONG-TERM CARE 101
Long-Term Care Calculator
This calculator can help you determine if you are financially prepared should you require long-term care in the future.
Money Talks: 3 Points of Discussion for Your Family
These tips will help prepare your family members for the days to come.
Long-Term Care: Costs and Considerations
Consider these long-term care topics, even if you don't think you will need it.
AGE-SPECIFIC MILESTONES
Age 65: Eligible for Financial Assistance
With a desire to serve those worthy of double honor, Mission:Dignity® seeks to serve retirement-aged Southern Baptist ministers, workers and their widows whose income is insufficient to meet their daily needs.
Age 67: Full Retirement Age and Eligible for Full Benefits of Social Security Payment
Access full benefits of Social Security Payments (Age 67 applies to those born 1960 and later. For those born prior to 1960, it will be age 66 and X months.)
Age 70: Eligible for Full Amount of Social Security Payments
Your payments have reached full potential.
Age 73: Start Taking your Required Minimum Distribution (RMD)
The IRS mandates Required Minimum Distributions (RMDs), unless you are still working through the end of the year.
Get retirement guidance specific to you.
Book a financial consultation in MyGuideStone to guide you as you finish well.
Retiring well is more than focusing on the financial.
The Wellness Road Map offers guidance in being well physically, spiritually, and emotionally.