GuideStone’s employer-sponsored 403(b)(9) retirement plans are specifically designed for the unique
needs of those who serve in ministries and institutions.
Eligibility
In most cases, all employees with W-2 income of a participating church or employer may make personal contributions to their retirement plan.
Use our enrollment tool to get started today.
Immediate benefits
- Tax-sheltered contributions immediately reduce current taxable income.
- Starting now can greatly increase your chances of adequate income in retirement.
- Each GuideStone fund option only invests in socially screened, Christian-based funds.
- GuideStone’s three investment approaches make choosing your funds simple and convenient.
- Confidently invest with the largest Christian-based retirement plan provider in the nation.
Additional tax advantages
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Tax-sheltered contributions are not subject to income tax until distributed.
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Ministers for Tax Purposes may have retirement benefits designated as a tax-free housing allowance within legal limits.
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Earnings on Roth contributions can be withdrawn tax-free if certain conditions are met.
Types of plan contributions
- Individuals may make tax-sheltered contributions to the plan in addition to rolling over funds from another account (based on plan provisions). Many plans also allow after-tax contributions or Roth elective deferrals.
- Employers may choose to make matching, non-matching or discretionary contributions (based on plan provisions).
Employed by an SBC church, school or association? Learn about exclusive protection benefits from GuideStone and your Baptist state convention.