Retirement planning for pastors, with the clergy details built in.
Your income may have moved through a parsonage, a housing allowance, and a church plan with its own rules. The question underneath is usually simple and heavy at the same time: am I actually on track? This is about answering it clearly.
What we help pastors think through
Retirement readiness
An honest projection of where your current path leads.
Income planning
Turning savings, Social Security, and church plans into a steady, tax-aware retirement paycheck.
Housing allowance in retirement
Designating eligible retirement distributions as housing allowance is an opportunity many pastors miss.
Account coordination
403(b)(9), IRA, Roth IRA, and taxable accounts each play a different role.
Social Security timing
When to claim, and how an earlier opt-out election affects what’s available.
Healthcare & Medicare
Coverage in the gap years and the Medicare consequences of a long-ago opt-out.
Legacy & generosity
Planning to give and to leave well, in line with your values.
A clear read on your retirement readiness.
If you want clarity before committing to anything ongoing, the Pastor Retirement Checkup is designed for exactly that: a focused, one-time review of where you stand and what may deserve attention next.
A focused one-time engagement, $900.
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.