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.
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.
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.
Use these resources to help you build a budget and manage your money with practical tips and professional guidance.
Before purchasing a car, use this calculator to estimate your expenses.
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.
Reduce disagreements by following these tips on talking money with your fiancée* or new spouse.
If not, get started today by using one of these options.
Contact your employer to set up your GuideStone Retirement Account.
Maximize your efforts by saving strategically and early.
Though retirement may seem a long way off, starting early makes a big difference later.
An employer match means your employer is investing in your retirement alongside you. Don’t miss out!
A 401(k) and a 403(b) are both types of retirement plans, but one is distinctly advantageous for ministries.
Our investing policy follows biblical principles by excluding investments that are incompatible with our moral and ethical posture as Christians.
Check out these seven situations when an IRA may be a wise choice as you plan for the future.
When it comes to investing, it's important to identify your financial goals and objectives before you choose an account type.
If your employer's retirement plan offers different contribution options, it's important to consider the financial implications of each one.
Vesting determines the amount of employer-contributions that are yours based on how long you've been employed.
You should expect volatility but stay focused on your long-term goals.
Saving for retirement is a marathon, not a sprint. Don’t panic due to short-term market fluctuations.
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!
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
The IRS may have different criteria for being a minister than your church.
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
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.
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.
Once you opt out, you forfeit any social security benefits in the future.
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
Learn two strategies to help break the cycle of below-market pay.
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
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.
Use these resources to better understand health plan basics and terminology.
Learn strategies to choose a health plan that best fits your needs and budget.
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.
Once your plan is active, use these resources to get started.
These resources make it easy to find the care you need through your GuideStone health plan.
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.
GuideStone health plans offer international coverage at no additional cost when you travel abroad.
GuideStone health plans are packed with added benefits and programs that make staying healthy easier than ever!
Learn how prescription coverage works with your GuideStone health plan and how to save money.
Learn how additional programs may be able to help you pay as low as $0 for your specialty medications.
Find tips and resources to help reduce and manage medical expenses and bills.
Use these resources to learn about the importance of life coverage, calculate how much you might need and designate beneficiaries.
Discover the benefits of having vision coverage, how to use your vision plan and more.
Learn about common types of dental coverage, how it works and how to find a dentist.
Find out how disability coverage can help replace a portion of income.
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.
Proper nutrition can help care for our bodies in a way that honors the Lord.
Make the most of each meal to enhance your physical health.
Implement physical wellness goals to create healthy habits for life.
Risk assessments and resources are tools to help you navigate health challenges.
Get help navigating health challenges with patient advocates.
Discover low- and no-cost care and helpful wellness tools and programs.
Are you struggling with mental health? There is help and hope.
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.
Be mindful of how today’s decisions can impact your financial security and potential Medicare and disability benefits later in life.
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.7
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.
Whether your budget is big or small, what matters is that you stay aware of how your budget should change as you age.
Use these resources to help you build a budget and manage your money with practical tips and professional guidance.
Before purchasing a car, use this calculator to estimate your expenses.
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.
Before deciding if you need one income or two — as a couple — use this tool to help decide.
If not, get started today by using one of these options.
Contact your employer to set up your GuideStone Retirement Account.
While retirement may feel like it's far away, learn how to start saving well now to finish well later.
Maximize your efforts by saving strategically and early
An employer match means your employer is investing in your retirement alongside you. Don’t miss out!
Utilize these resources to learn more about life insurance and how it impacts you and your family.
A 401(k) and a 403(b) are both types of retirement plans, but one is distinctly advantageous for ministries.
Our investing policy follows biblical principles by excluding investments that are incompatible with our moral and ethical posture as Christians.
Check out these seven situations when an IRA may be a wise choice as you plan for the future.
When it comes to investing, it's important to identify your financial goals and objectives before you choose an account type.
If your employer's retirement plan offers different contribution options, it's important to consider the financial implications of each one.
Vesting determines the amount of employer-contributions that are yours based on how long you've been employed.
You should expect volatility but stay focused on your long-term goals.
Saving for retirement is a marathon, not a sprint. Don’t panic due to short-term market fluctuations.
Do it Yourself: Utilize an online tool
Utilize this checklist to help identify immediate action items and help you plan ahead.
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!
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
The IRS may have different criteria for being a minister than your church.
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
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.
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.
Once you opt out, you forfeit any social security benefits in the future.
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
Be mindful of how today’s decisions can impact your financial security and potential Medicare and disability benefits later in life.
Learn two strategies to help break the cycle of below-market pay.
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
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.
Learn strategies to choose a health plan that best fits your budget.
Discover valuable tax advantages of Health Savings Accounts (HSAs),1 Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs).
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.
Discover low- and no-cost care and helpful wellness tools and programs.
Access care at low or no additional cost to GuideStone health plans from the convenience of your own home.
Preventive care9 can help detect issues early and potentially reduce the need for more costly treatment.
Learn how prescription coverage works with GuideStone health plans and how to save money.
Find tips and resources to help reduce and manage medical expenses and bills.
Gain valuable discounts and identity theft protection at no additional cost for GuideStone health plans.
Help provide financially for your loved ones with these life coverage resources.
Save on eye exams, glasses, contact lenses and more with a Vision Service Plan® (VSP®).5 Plus, take advantage of an additional discount offer.
Select the correct dental plan for your needs and budget, stay in-network and utilize virtual dental care.
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.
Adopting healthy, budget-friendly habits now can help you manage symptoms and support your overall well-being in the long run.
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.
Getting married or having a baby are joyful milestones that come with financial responsibilities. Use these resources to help establish a strong financial foundation.
Budgeting, saving, planning and building your credit score are essential as you begin to save.
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.
Be mindful of how today’s decisions can impact your financial security and potential Medicare and disability benefits later in life.
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.7
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.
The Retirement Readiness Assessment can show you your progress and give you tips to get or stay on track.
If not, get started today by using one of these options.
Contact your employer to set up your GuideStone Retirement Account
While retirement may feel like it's far away, learn how to start saving well now to finish well later.
Maximize your efforts by saving strategically and early
An employer match means your employer is investing in your retirement alongside you. Don’t miss out!
Have you considered simplifying your financial life by consolidating old retirement accounts? Here are some factors to consider in making your decision.
Whether your budget is big or small, it's important to make adjustment as you age.
Reducing debt while saving for retirement can help with reducing financial needs in your retirement years.
Use these resources to help you strategically increase your savings.
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.
Find tips on creating a financial pathway for your children and their children.
Utilize these resources to learn more about life insurance and how it impacts you and your family.
As your family grows and changes, periodically review your estate plan.
Do it Yourself: Utilize an online tool
Utilize this checklist to help identify immediate action items and help you plan ahead.
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!
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
The IRS may have different criteria for being a minister than your church.
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
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.
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.
Once you opt out, you forfeit any social security benefits in the future.
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
Learn two strategies to help break the cycle of below-market pay.
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
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.
At 50, you can begin making catch-up contributions toward your retirement savings.
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.
The Retirement Readiness Assessment can show you your progress and give you tips to get or stay on track.
Use this checklist to help you picture your retirement.
Use this checklist to help determine major decisions you need to make as you move toward retirement.
Create a budget for retirement using these resources.
Reducing debt while saving for retirement can help with reducing financial needs in your retirement years.
Sometimes plans change. Learn how to prepare if this happens to you.
Have you considered simplifying your financial life by consolidating old retirement accounts? Here are some factors to consider in making your decision.
As your family grows and changes, periodically review your estate plan.
Do it Yourself: Utilize an online tool
Utilize this checklist to help identify immediate action items and help you plan ahead.
Learn how to know if you are on track to finish well in retirement.
As you move toward retirement, it's important to periodically evaluate your investments.
Do you prefer your investments be managed for you, by you or with you? Find out more!
Do you know how much you can annually contribute to your retirement savings? Find out!
Annually evaluate and increase your contributions to help prepare you and your family for retirement.
Learn about your income options and receive an estimate for your retirement income amount.
Choosing your retirement withdrawal strategy is a crucial element in developing a plan for a secure retirement.
Find out how much monthly income your retirement savings may provide in retirement.
Find out about how withdrawing your retirement savings early may affect you.
This educational webinar will provide answers to common questions and concerns about Social Security in retirement.
Learn tips for maximizing your Social Security benefit.
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.
Find out what your estimated Social Security payment will be based on your work history and eligibility.
You’ll be leaving GuideStone.org and going to a U.S. government website.
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!
Review our Ministers' Housing Allowance FAQs to understand how this may benefit you.
Learn more about ministerial tax issues and how they may pertain to you or ministerial staff in retirement.
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.
If you opted out of Social Security at the beginning of your ministry, there may be a potential opportunity to opt back in.
Learn about Medicare-coordinating plans at GuideStone.
Use these resources to learn more about Medicare and how it can impact your retirement.
You can begin Social Security payments, but they may be 30% less than if you decide to wait to receive full benefits.
There are factors that play into Medicare eligibility. Find out if you qualify.
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).
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.)
Your payments have reached full potential.
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.
If you haven’t already, download and complete this checklist to picture your retirement!
Log in to your MyGuideStone® account to review your retirement income estimate prior to deciding your withdrawal strategy.
Login to your MyGuideStone account to begin receiving your retirement income.
Review your retirement account and plan annually to make sure to steward wisely as you finish well
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.
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
Check your current life insurance to determine if changes are needed.
Use these tools to find out how much life insurance you should have.
Learn more about what to consider with a single-income home.
If you've gone through one of these seven life events, it may be time to adjust your insurance.
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!
Review our Ministers' Housing Allowance FAQs to understand how this may benefit you.
Learn more about ministerial tax issues and how they may pertain to you or ministerial staff in retirement.
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.
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.
Do it Yourself: Utilize an online tool
Utilize this checklist to help identify immediate action items and help you plan ahead.
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!
Are you a global worker serving overseas? Access our resources that are designed specifically with you in mind.
The IRS may have different criteria for being a minister than your church.
If you are a Minister for Tax Purposes, you need to understand how unique tax laws for ministers may affect you.
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.
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.
Once you opt out, you forfeit any social security benefits in the future.
Learn more about what it means to steward your financial needs.
Learn more about protecting your ministry from catastrophic financial losses and sustaining its long-term well-being.
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.
A resource for those who find themselves in need financially as they retire. Get involved or receive assistance today!
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.
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.)
Your payments have reached full potential.
The IRS mandates Required Minimum Distributions (RMDs), unless you are still working through the end of the year.
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.
It's good to stay aware of how your finances are doing so there's less of a chance to encounter a surprise.
You have so much to offer! Check out service opportunities through your church or local organizations.
Review your dreams and goals for retirement in order to make adjustments along the way.
Log in to your MyGuideStone account to check your allocations to keep your investments up-to-date.
Do it Yourself: Utilize an online tool
Utilize this checklist to help identify immediate action items and help you plan ahead.
This calculator can help you determine if you are financially prepared should you require long-term care in the future.
These tips will help prepare your family members for the days to come.
Consider these long-term care topics, even if you don't think you will need it.
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.
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.)
Your payments have reached full potential.
The IRS mandates Required Minimum Distributions (RMDs), unless you are still working through the end of the year.
Whether you have general questions, are new to GuideStone, or need to set up your account, GuideStone is here to serve you.
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