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.
Looking for something specific? Use the search bar below to explore our library of content.
Are 529 Plans More Attractive After the 2025 Tax Bill? What Parents and Grandparents Need to Know
The 2025 tax law expanded 529 plans in meaningful ways. Whether you're saving for private school or college, these updates open new doors for smart planning.
Should Pastors Pay Off Their Mortgage Early? Key Considerations for Ministers
Wondering if you should pay off your mortgage early as a pastor? This guide explains how clergy housing allowance, retirement planning, and financial trade-offs impact your decision.
3 Tax Moves Pastors Can Still Make Before April 15
The deadline is here, but it’s not too late. Here are three strategic tax moves pastors can still make before April 15—including how to review your housing allowance, retirement contributions, and 2025 withholding plan.
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.
Tax Season Tips for Pastors: Maximizing Your Deductions
Tax season can be overwhelming, especially for pastors with unique financial situations. This guide breaks down clergy-specific tax benefits, including the housing allowance, self-employment taxes, and deductible ministry expenses. Learn how to keep more of your money and stay IRS-compliant. Need a tax checklist? Click here to request your free guide.
You Opted Out of Social Security: Now What?
Have you opted out of Social Security as a pastor? Discover practical steps to protect your financial future, along with important considerations for anyone considering this decision.