Your Church Cares for
Thousands. Who Is
Caring for Your Staff?
Most churches are unknowingly exposing themselves to significant liability — and failing their most faithful servants — because they don’t have a structured retirement strategy. We help church leaders fix that, for good.
— Executive Pastor, 800-member church
Good Intentions Don’t Protect Your People
Church leaders are some of the most caring people we know. And yet, the staff they lead often head into retirement with little more than goodwill to sustain them. You can change that.
Most churches operate without a defined retirement plan — leaving staff to piece together savings on their own, often in the wrong type of account.
These are not the same plan. The 403(b)(9) is built specifically for ministers and offers unique tax advantages that a standard 403(b) does not. Most churches don’t know the difference — and it costs them.
Poor plan design, missing fiduciary documentation, or a total absence of a plan can expose church leadership to legal and financial liability they never saw coming.
Leaders want to do the right thing but don’t know where to start. Complexity and inertia keep action at bay — sometimes for years.
- Staff lose years of tax-advantaged compound growth
- Ministers miss the housing allowance exclusion available in 403(b)(9) plans
- Church leadership assumes personal liability for poorly designed plans
- Qualified staff leave for organizations that offer better benefits
- Retiring team members face financial hardship — after decades of faithful service
The AnchorPoint Clarity Framework
We don’t hand you a product and walk away. We walk your church through a five-pillar framework that creates a retirement strategy worthy of the people you serve.
Every pillar is built with the minister’s unique tax position in mind — including housing allowance eligibility, dual SECA/FICA status, and the specific advantages of the 403(b)(9) structure. This isn’t a generic retirement plan. It’s a ministry-specific strategy, built from the ground up.
The Church Leader’s Guide to 403(b)(9) Retirement Plans
A plain-English guide designed specifically for pastors, executive pastors, and church administrators who want clarity — not complexity — on the retirement plan built for ministry.
- The exact difference between a 403(b) and a 403(b)(9) — and why it matters enormously for your ministers
- How the housing allowance exclusion can dramatically reduce your minister’s tax burden in retirement
- 3 signs your current retirement plan may be exposing your church to liability
- What a properly structured clergy retirement plan looks like — step by step
- The 5 questions every church finance committee should be asking right now
- A self-assessment checklist to gauge where your church stands today
Churches That Finally Have Clarity
We measure success not in accounts opened, but in leaders who can look their staff in the eye and say, “We have taken care of you.”
We are legally obligated to act in your church’s best interest — always. No commissions driving our recommendations.
We translate complex financial regulations into clear, actionable steps. You’ll always know exactly what’s happening and why.
We believe stewardship extends to your team. Our work is motivated by the same care for people that drives your ministry.
Our consultation calls are conversations, not sales presentations. If we’re not the right fit, we’ll tell you — and point you in the right direction.
Your Staff Has Given
Their Lives to This Mission.
Give Them a Secure Future.
Book a complimentary 30-minute Retirement Clarity Call with an AnchorPoint specialist. We’ll assess where your church stands, explain your best options, and give you a clear next step — with zero obligation.
No products pitched on the call
Built for busy church leaders
Walk away with clarity