A full-life financial partner for your ministry years.
One advisor coordinating your whole financial life all year. Retirement, taxes, investments, insurance, benefits, and your goals, held together instead of handled in pieces, with the clergy-specific details built in. We advise and guide. You hold and execute in your own accounts.
Serving pastors and ministry leaders nationwide through virtual relationships.
Not a plan on a shelf. A relationship that keeps up with your life.
You don’t need a one-time document that sits on a shelf. You need someone who stays with the details as life moves. A church change, a housing decision, a market drop, a Social Security question. This is that steady hand across the whole year.
We build the plan, review it with you, and keep it current as things change. When investments drift, we give you specific rebalancing guidance in writing. You make the decisions and place the trades in your own accounts. We never take custody of your money and we never trade it for you.
Every part of your financial life, working together.
You get everything a strong comprehensive advisor does, plus the clergy-specific pieces most advisors have never had to learn.
Comprehensive planning
The same wide-angle planning any great fee-only advisor does, so no part of your money sits in a silo.
Life goals, near and far
What you’re actually planning toward. Short-term goals and long-term ones, from a home or education to giving generously and being ready for retirement.
Retirement & income
Know whether you’re on track, and turn savings, Social Security, and church plans into a steady, tax-aware paycheck later.
Tax planning & review
Year-round strategy and a careful read of your return so nothing gets overlooked. Coordinated with your CPA; we plan, we don’t prepare returns.
Investment guidance
Invest with confidence in an allocation that fits your goals and your comfort with risk, with written rebalancing guidance. You hold and execute in your own accounts.
Insurance & risk review
Life, disability, and liability coverage checked for gaps and overlaps. We tell you what you need and what you don’t. We don’t sell any of it.
Benefits, cash flow & estate
Make the most of your benefits and HSAs, get a handle on cash flow and debt, and get your estate in order with your attorney. So nothing important slips.
Where most advisors have never been
The ministry-specific decisions that quietly shape a pastor’s future, handled with fluency, not a learning curve.
Housing allowance & SECA
Housing allowance during ministry and into retirement, dual status, and SECA, so nothing gets left on the table.
403(b)(9) decisions
Contribution strategy and the rollover decisions that can protect or forfeit housing-allowance treatment on distributions.
Parsonage, opt-out & moves
The Social Security opt-out, parsonage and survivor exposure, and church transitions. Financial events, planned ahead, not just reacted to.
Your whole financial life, organized and always current.
Your plan lives in a secure online portal you can open anytime, on your computer or your phone.
All your accounts together
Connect your bank, investment, retirement, and debt accounts so your full net worth stays current in one place. No spreadsheets.
Budget & spending
See where your money goes, set a budget, and track cash flow, so saving and giving happen on purpose.
Your documents, safe
Keep wills, statements, and policies in a secure digital vault, easy to find the moment you need them.
You’re never left wondering what to do next.
The right decisions get attention at the right time of year, so nothing important slips through the cracks.
Review & goals
Set the year’s priorities together, check progress against your goals, and review last year’s return as it’s prepared.
Tax & cash flow
Estimated taxes and SECA, the housing allowance designation, and a clear look at cash flow and saving after filing.
Investments & retirement
A mid-year portfolio review with rebalancing guidance, and an updated retirement projection so you know where you stand.
Benefits & year-end
Insurance and benefits review, open enrollment and Medicare windows, and year-end tax moves like Roth conversions and giving.
And we’re here in between. Life doesn’t wait for the calendar, and neither do we.
Priced by your situation, never by your account size.
A flat monthly fee, billed by direct invoice. Complexity is handled by choosing the right tier, not by taking a percentage of your savings.
W-2 household
One W-2 income. Coordinated planning across retirement, housing allowance, tax, and investments.
W-2 household
Two W-2 incomes, or a working spouse. The same full relationship across both of your pictures.
From
Rentals, business or self-employment income, or equity compensation. Priced by scope and agreed in advance.
A simple, four-step start.
Start with a call
A short introductory call, or the Pastor Retirement Checkup, to confirm fit and see whether an ongoing relationship makes sense.
Build the plan
We gather your picture and build a coordinated plan across retirement, tax, housing, and investments, with the clergy details built in.
Get clear guidance
We review it together in plain language and give you specific, written next steps, including rebalancing guidance when it’s needed.
Stay coordinated all year
We keep the plan current as life changes, with regular reviews. You hold and execute in your own accounts and always make the decisions.
Pastors who want one steady partner, not a stack of one-off answers.
This is for you if you want your whole financial life coordinated by someone who speaks both ministry and money, and you’d rather have a steady partner than chase one decision at a time. Want to test the relationship first? Most pastors start with the Checkup.
Take the money worry off your plate.
Start with a short introductory call, or a focused Pastor Retirement Checkup if retirement readiness is the first question on your mind.
Legacy Path Advisors is a Registered Investment Adviser registered in the State of Tennessee. Registration does not imply a certain level of skill or training. Ongoing Planning is an advice-only advisory relationship: we advise and provide written recommendations, including rebalancing guidance, and you hold and execute in your own accounts. We do not take custody of client assets or exercise investment discretion. We do not provide legal or tax advice, and we coordinate with your qualified tax and legal professionals when appropriate. Fees are flat, billed by direct invoice, and subject to the terms of a signed client agreement. Fee-only means we are paid only by the clients we serve; no arrangement removes every possible conflict of interest, and we disclose ours in our Form ADV. Our Form ADV and Form CRS are available on request.