Welcome to the Pastoral Finance Blog.

Here, you'll find practical financial insights tailored for pastors and ministry leaders. These articles are a free resource designed to help you navigate everything from tax planning to retirement, side hustles, and church financial management.

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Retirement, Church Benefits, Church Budget, 403b Todd Hukill Retirement, Church Benefits, Church Budget, 403b Todd Hukill

When the Church Isn’t Contributing to Your Retirement: How to Start the Right Conversation

Most pastors assume their church is contributing to their retirement until they find out it’s not. For many who’ve only worked in ministry, the idea of an employer match or automatic contribution is completely foreign. In this post, we’ll unpack how to start a healthy, informed conversation with your church board about retirement contributions, what’s normal in the broader workplace (typically 4–6%), and how to build a plan that honors both your calling and your future.

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The Financial Mistakes Pastors Often Make During a Move

Moving to a new church can be one of the most exciting and stressful seasons in a pastor’s life. But it can also be one of the most financially vulnerable. From housing allowance paperwork to delayed paychecks, even seasoned pastors can overlook critical details that lead to unnecessary stress. Here’s how to prepare wisely and keep your finances steady when ministry takes you somewhere new.

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Should Pastors Roll Their 403(b) into an Annuity? Stop and Consider These Risks First

I've recently spoken with pastors who rolled their 403(b) funds into an annuity while still working—only to regret it later. What seemed like a great decision at the time turned into frustration as they uncovered fees, restrictions, and tax complications they didn’t fully understand. Before making a move, take a moment to consider the real cost of an annuity and whether better alternatives exist.

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