Your GuideStone Journey

Life is a journey! No matter what stage of life you’re in, we aim to help you build resilience in retirement, finances and health.

Your GuideStone Journey

Life is a journey! No matter what stage of life you’re in, we aim to help you build resilience in retirement, finances and health.

What is your life stage?

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 Well

Stay Well

Finish Well

Start Well

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

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

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

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.

Wellness Tools and Additional Benefits

GuideStone health plans are packed with added benefits and programs that make staying healthy easier than ever!

Specialty Prescriptions

Learn how additional programs may be able to help you pay as low as $0 for your specialty medications.

Statements and Tax Documents

Find helpful statements and your Form 1095-B.

OTHER COVERAGES

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.

OVERCOMING 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)

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)

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

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)

Discount Programs and Tools for Financial Well-being

Gain valuable discounts and identity theft protection at no additional cost for GuideStone health plans.

Statements and Tax Documents

Find helpful statements and your Form 1095-B.

FINANCIAL ADVANTAGES OF OTHER COVERAGES

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.

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

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)

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 Well

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

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.

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.

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

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

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 Eligibility

Find out if you are eligible for 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.
Finish Well

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

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

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

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

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

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.

Wellness Tools and Additional Benefits

GuideStone health plans are packed with added benefits and programs that make staying healthy easier than ever!

Specialty Prescriptions

Learn how additional programs may be able to help you pay as low as $0 for your specialty medications.

Statements and Tax Documents

Find helpful statements and your Form 1095-B.

OTHER COVERAGES

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.

OVERCOMING 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)

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)

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

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)

Discount Programs and Tools for Financial Well-being

Gain valuable discounts and identity theft protection at no additional cost for GuideStone health plans.

Statements and Tax Documents

Find helpful statements and your Form 1095-B.

FINANCIAL ADVANTAGES OF OTHER COVERAGES

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.

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

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)

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

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.

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.

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

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

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 Eligibility

Find out if you are eligible for 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

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

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.

How can we help?

Whether you have general questions, are new to GuideStone, or need to set up your account, GuideStone is here to serve you.

Already with GuideStone?

Do you have general questions about your account?

Register Your Account

With MyGuideStone®, managing your account just got a lot easier.

New to GuideStone?

Complete an interest form and we’ll be in touch.

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

GuideStone financial consultants provide financial education and do not provide investment advice. Financial consultants are not investment advisor representatives licensed or registered by or with any state or the SEC. Advice from registered financial advisors is separately available from GuideStone Advisors®, an SEC Registered Investment Adviser and GuideStone Financial Resources affiliate.

The health and wellness content on this page is intended to serve GuideStone members. Health plan content applies to plans administered by Highmark® Blue Cross Blue Shield (BCBS®). Guidestone Medicare-coordinating plans and Cigna International plans will have different terms and conditions.

1 Available with Health Saver Plans, a type of High Deductible Health Plan (HDHP).

2 Teladoc Mental Health benefits are not available on Secure Health plans. Members on a Health Saver Plan, a type of High Deductible Health Plan (HDHP), are required to pay the full consultation fee until they have met their deductible/co-insurance requirements.

3 Members on a Health Saver Plan, a type of High Deductible Health Plan (HDHP), are required to pay the full consultation fee until they have met their deductible/co-insurance requirements.

4 SaveOnSP is not available to members enrolled in a Secure Health Plan. Co-pay adjustments will only apply after deductible satisfaction for members enrolled in a Health Saver Plan, a type of High Deductible Health Plan (HDHP).

5 These VSP vision insurance products are provided by Vision Service Plan Insurance Company and are offered as part of GuideStone Financial Resources’ benefits program.

6 These Cigna insurance products are provided by Cigna Health and Life Insurance Company and are offered as part of GuideStone Financial Resources’ benefits program

7 GuideStone Property and Casualty® is part of GuideStone Agency Services®, an agency licensed to sell property and casualty products in various states and an affiliate of GuideStone Financial Resources®.

8 SmartShopper is not available with Blue High Performance Network or Medicare-coordinating plans.

9 Preventive care is covered at no additional cost when using in-network providers and facilities for eligible routine preventive care.

10 The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

11 CDC.gov/disability-and-health/media/pdfs/disability-impacts-all-of-us-infographic.pdf

12 TheCDIA.org/disability-statistic/