Planning-Centered. Relationship-Based. Transparent.
At Legacy Path Advisors, we specialize in financial planning for pastors and ministry leaders. Financial planning is not a one-time document. It is an ongoing process.
Pastors often face financial decisions that involve retirement timing, housing allowance coordination, tax complexity, and investment strategy. These decisions are rarely isolated from one another.
Our advisory relationships are designed to bring those moving pieces together into one coordinated financial strategy.
Portfolio management is included within this structure, not delivered in isolation.
We operate as a fee-only fiduciary firm, meaning our compensation comes directly from the clients we serve rather than commissions from financial products.
Schedule a 15-Minute Introductory Call
Let’s see if we’re a good fit to walk your financial journey together.
A Quick Word Before We Talk About Fees
Many pastors hesitate to speak with a financial advisor because they assume they need to have everything figured out first.
You don’t.
In fact, many of the pastors I work with initially came with questions like:
- Are we saving enough for retirement?
- Are we making wise financial decisions?
- Are we missing something important?
Financial planning is not about having a perfect situation. It is about gaining clarity and making wise decisions with the resources God has entrusted to you.
Ongoing Planning & Investment Advisory
Planning-centered ongoing advisory plus portfolio management
This is our primary way of serving pastors and ministry leaders.
Financial planning is not a one-time document. It is an ongoing process. Ministry households face unique financial decisions involving housing allowance coordination, dual tax status, irregular income patterns, and uncertain retirement structures. These decisions are rarely isolated from one another.
Our role is to help bring those moving pieces together into one coordinated financial strategy so important decisions are not made in isolation and key opportunities are not missed.
Investment management is integrated into this planning framework. Portfolios are managed with discipline and structure so your strategy remains aligned as life, ministry, and leadership responsibilities evolve.
Advisory Fee Structure
Ongoing advisory relationships include comprehensive financial planning along with disciplined investment management.
Ongoing advisory relationships begin at $200 per month. This includes ongoing financial planning and investment management for portfolios up to $240,000.
For portfolios exceeding $240,000, an additional asset-based advisory fee applies to the portion of assets above that level according to the schedule below:
- 1.00% on assets from $240,001 to $1,000,000
- 0.80% on assets from $1,000,001 to $3,000,000
- 0.60% on assets over $3,000,000
Fees are calculated based on the value of assets managed and billed quarterly in arrears.
Underlying investment expenses, such as ETF or fund expense ratios, are separate from advisory fees.
Client investment accounts are held with an independent third-party custodian. Legacy Path Advisors does not take custody of client assets.
What’s Included
Planning Foundation
- Retirement readiness and income planning
- Cash flow, savings, and debt review
- Insurance and risk management review
- Estate and beneficiary alignment (coordination, not legal drafting)
Investment Management
- Portfolio construction aligned to objectives and risk tolerance
- Ongoing monitoring for drift, risk, and goal alignment
- Rebalancing and portfolio adjustments as circumstances change
- Integration of investments with retirement and tax strategy
Clergy-Specific Planning
- Housing allowance coordination and strategy
- Compensation structure considerations
- Ministry-specific tax awareness and planning guidance
Tax Awareness & Planning
- Annual tax return review
- Ongoing tax-planning conversations as decisions arise
- Proactive identification of issues before they become problems
Advisory Rhythm & Support
- Two scheduled advisory meetings per year
- Annual planning review
- Mid-year alignment check-in
- Ongoing guidance as decisions arise
- Bounded access for questions and decision support
- Secure planning dashboard to track progress, goals, and key data
Planning is always the foundation of our work. Investment management, tax awareness, and decision support are integrated within one ongoing advisory relationship.
In certain cases involving added complexity, such as business ownership, multiple income streams, or advanced planning needs, a customized fee arrangement may apply. Any such arrangement is always discussed and agreed upon in advance.