Financial Advisor for Pastors

Most advisors are happy to work with a pastor. Very few are built for one. The difference shows up in the details: how your housing allowance is coordinated, how SECA and dual status are handled, what happens to your church retirement plan when you transition, and whether your advisor has ever sat where you sit.

Why pastors have unique planning needs

Housing allowance shapes your taxes during ministry and can shape your income in retirement. SECA and dual status mean you're usually an employee for income tax and self-employed for Social Security and Medicare, which drives how your pay should be structured. 403(b)(9), IRA, and Roth accounts each behave differently for ministers. And transitions out of full-time ministry, or out of a parsonage, are financial events, not just ministry ones.

How Legacy Path Advisors helps

We're a fee-only fiduciary firm built for pastors. We don't sell products and we don't earn commissions. We coordinate your whole financial life through one ongoing plan, and we name the clergy risks most advisors miss before they become expensive. Todd has pastored and planted churches, and he currently works inside denominational finance as Finance Director for the Tennessee Ministry Network. You won't be explaining your world. He's lived it.

Where to start

Not sure where to begin? Many pastors start with the Pastor Retirement Checkup, a focused one-time review. You can also schedule an introductory call.

Legacy Path Advisors does not provide legal or tax advice. The information on this page is general education, not personalized advice. Every minister's situation is different. We coordinate with your qualified tax and legal professionals when appropriate.