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.

Retiring Before 65? Here’s What You Need to Know About Health Insurance Options

Health insurance is one of the biggest questions early retirees face—especially for those retiring before Medicare eligibility. In this post, we walk through practical options like COBRA, the Health Insurance Marketplace, and spousal coverage so you can plan with clarity and confidence.

Read More

How Much Should Pastors Save for Retirement? A Practical Guide for Every Season of Ministry

Many pastors wonder, “Am I saving enough for retirement?” With unique challenges like housing allowance changes and Social Security opt-outs, pastors need to plan wisely. This guide breaks down how much to save at each stage, plus practical steps to build a secure future—no matter where you're starting.

Read More

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.

Read More

Navigating the Clergy Housing Allowance: Best Practices and Pitfalls to Avoid

Many pastors receive a housing allowance, but not all understand how to maximize it or avoid costly IRS mistakes. This guide breaks down the best practices for setting up a clergy housing allowance, keeping records, and staying compliant with IRS rules. Learn what expenses qualify, how to avoid common pitfalls, and what documentation you need in case of an audit.

Read More

What Financial Documents Should Pastors Keep and For How Long

Many pastors assume their tax return is enough to prove their housing allowance, but without the right documentation, they could be in for a surprise if the IRS comes calling. Knowing what financial documents to keep—and for how long—can protect you from unnecessary stress. This guide breaks down exactly what pastors need to save for taxes, ministry expenses, retirement, and more. Plus, grab a free document retention checklist to keep your records in order.

Read More

A Second Chance for Pastors: The Clergy Act and Why It Matters

Many pastors opted out of Social Security, believing it was the right choice at the time. But years later, some find themselves financially vulnerable with no way to opt back in—until now. The Clergy Act, a new bill in Congress, could give pastors a one-time opportunity to re-enter Social Security. Learn how this legislation could impact pastors, the church, and why now is the time to take action.

Read More

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.

Read More

The Complete Insurance Guide: What You Need, What You Don’t, and the One Policy You Might Be Missing

Insurance can feel overwhelming, but at its core, it’s simply a tool to protect your financial future. Over the past few weeks, we’ve explored health, life, disability, and long-term care insurance—now we’re wrapping it all up, including a crucial policy most people overlook: umbrella insurance.

Read More