Financial planning for pastors, from someone who serves inside ministry.
Housing allowance, the 403(b)(9) rollover, the Social Security opt-out, retirement timing. The decisions that quietly shape a pastor's future, handled by a fee-only fiduciary who lives your world.
Not an outside advisor looking in.
I'm Todd Hukill. I've planted and pastored churches, and I've spent years inside the financial side of ministry. I understand your world from the inside, not from a brochure.
That means you won't be explaining your world to your advisor before you can get help with it. The housing allowance, the church plan, the parsonage, the dual-status return. I've lived it.
Fee-only. Paid only by the clients I serve. No products, no commissions.
The decisions that are easy to miss.
The famous three get all the attention. The quiet, second-order mistakes are where pastors lose real money.
Parsonage & survivor exposure
A parsonage isn't yours. A death or a transition can mean leaving the home on short notice. Plan for housing you control.
The Social Security opt-out
The ministerial opt-out is effectively permanent, and it shapes Medicare and survivor benefits years later.
The 403(b)(9) rollover
Rolling a church plan to a standard IRA can forfeit the housing-allowance treatment on distributions. The default move isn't always the wise one.
Housing allowance in retirement
Designating eligible retirement distributions as housing allowance is an opportunity that's easy to miss entirely.
SECA & dual tax status
Employee for income tax, self-employed for Social Security and Medicare. That split drives estimates and how pay should be structured.
Compensation structure
How salary, housing, and benefits are divided is a planning decision, not just a payroll formality, and it ripples through everything.
This is general education, not personalized tax or legal advice. Every minister's situation is different, and we coordinate with your qualified tax and legal professionals when appropriate.
Start with the Pastor Retirement Checkup.
A focused, one-time review of where you stand before retirement. Income, housing allowance, Social Security timing, and the next decisions in front of you. A low-pressure way to get clarity and test the relationship before committing to ongoing planning.
A focused one-time engagement, $900.
Explore the Pastor Retirement CheckupBuilt for pastors, not adapted for them.
Financial Advisor for Pastors
One coordinated, fee-only plan across housing allowance, SECA, church retirement plans, and ministry transitions.
Learn more →Retirement Planning for Pastors
Readiness, income planning, housing allowance in retirement, Social Security timing, and Medicare, with the clergy details built in.
Learn more →Clergy Housing Allowance Planning
Tax-aware planning around the allowance, during ministry and into retirement, coordinated with your tax professional.
Learn more →Financial Planning for Ministry Leaders
Missionaries, denominational leaders, church staff, and ministry executives. The plan should fit the role.
Learn more →How we're paid is a feature, not fine print.
Legacy Path Advisors is a fee-only fiduciary firm. We don't sell products and we don't earn commissions. We're paid only by the clients we serve, so our guidance stays focused on you and not on a transaction. Fee-only doesn't mean conflict-free, and we work to manage any conflicts in your interest.
You've given your life to ministry. Let's make sure your financial strategy reflects that faithfulness.
Start with a focused Retirement Checkup, or a short introductory call to see whether ongoing planning is the right fit.