The Church Retirement Plan
A 403(b)(9) Retirement Plan
Prepare for a comfortable retirement with a retirement plan designed for ministers and any employee receiving W-2 taxable income. Read on to learn more or enroll now.
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The plan is open to anyone who receives W-2 taxable income from a church, church-related school or association. This can include full- or part-time ministers, office personnel, musicians, church-school teachers or any other staff member.
Potential Tax Benefits
All earnings on contributions and rollovers are tax-deferred. Following are additional tax benefits that may be available to you:
- Ministers may be able to designate retirement benefits as a tax-free minister’s housing allowance within legal limits.
- Employer contributions are not subject to Social Security or income tax at the time of contribution.
- Tax-sheltered participant contributions are not subject to income tax until distributed.
- Tax-sheltered participant contributions by ministers are not subject to Social Security tax.
- Earnings on Roth elective deferral contributions can be withdrawn tax-free if conditions are met.
Numerous Types of Plan Contributions
- Participants can make tax-sheltered, after-tax or Roth elective deferral contributions.
- Employers can make a tax-sheltered contribution on behalf of their employees.
Enroll over the phone: 1-888-98-GUIDE (1-888-984-8433) Monday–Friday, 7 a.m. to 6 p.m. CST.
Are you a pastor of a Southern Baptist mission or church with annual budget receipts totaling less than $75,000? Click here to see if you qualify for financial assistance from GuideStone.
Questions? Email us or call 1-888-98-GUIDE (1-888-984-8433) Monday–Friday, 7 a.m. to 6 p.m. CST.