Financial Support for a Thriving Church
At Heartwood Financial Planning, we are dedicated to supporting churches with tailored financial services. We provide retirement plans for your staff, empower your congregation with financial literacy workshops, and encourage generous giving. By connecting your church with development partners, we help enhance your ministry's impact and ensure financial stability for your mission. Together, we can help your church thrive and fulfill its mission with confidence.
Our Services
Church Retirement Plans
Tailored Benefits with Minimal Headaches
Offer your dedicated staff peace of mind with our tailored retirement plans, including advisory services to staff. Designed specifically for churches, our plans offer low-cost, efficient solutions that include housing allowance benefits in retirement. We handle the administrative tasks, so your team can focus on ministry.
Educational Workshops for the Congregation
Empowering Financial Literacy and Generosity
Build up your congregation with financial literacy through our engaging workshops. From budgeting and debt management to investment strategies and retirement planning, our faith-based education helps improve financial well-being and fosters a spirit of generosity within your community.
Church Financial Planning
Empowering Churches for Financial Sustainability and Growth
Our tailored financial planning services for churches focus on building long-term sustainability and growth while protecting key assets. We help churches manage cash flow, reduce debt, invest wisely, and plan for major projects like capital campaigns - empowering churches to fulfill their mission, strengthen their financial health, and ensure lasting impact in the community.
Network of Development Partners
Expanding Your Impact with Trusted Partners
Enhance your church’s impact with our robust network of partners that can take your ministry to the next level. Specializing in ministries, our partners can help your church expand its outreach and do more for the community. We connect you with experts who share your mission and support your ministry goals.
403(b)(9) Church Retirement Plans
Our church retirement plan is designed to meet the unique needs of churches and their staff, offering a powerful, cost-effective solution for retirement savings. We ensure that your church can provide valuable benefits without adding extra administrative burden or costs. Key benefits of our plan include:
No ongoing administrative costs to the church
All plan expenses are covered by the plan's assets, ensuring that the church can provide a valuable benefit without impacting the operating budget.
Administrative services provided
​Our partner handles all necessary administrative services, so your church staff can stay focused on ministry, not paperwork.
Housing allowance tax benefit
Pastors can take advantage of powerful tax benefits by withdrawing retirement funds as a housing allowance in retirement.
Low-cost and values-based fund options
We offer a variety of low-cost investment options, including a suite of values-based funds aligned with the church's mission and values.
Discounted financial planning for participants
Pastors and staff who participate in the plan are eligible for discounted financial planning services, allowing them to receive comprehensive advice at a reduced rate.
Church Retirement Plan Fee Schedule
We are committed to providing a transparent and competitive fee structure that ensures value as your plan grows. Our one-time startup fee for new retirement plans is $950. Ongoing fees are in addition to a 0.4% administrative fee, and they scale down as the plan’s assets grow:
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$0-$500,000: 1.65%
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$500,001-$1,000,000: 1.35%
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$1,000,001-$2,500,000: 1.20%
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$2,500,001-$5,000,000: 1.10%
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$5,000,001-$10,000,000: 1.00%
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$10,000,001 and above: 0.90%
For pastors and staff participating in the church-sponsored retirement plan, advisory fees generated by their assets in the plan will offset the cost of their personal financial planning. Specifically, 50% of the advisory fees from their plan assets will be applied as a discount to any financial planning fees they incur.
Church Financial Planning
Custom Packages Starting at $7500
Every church is unique, with vastly different financial needs and goals. Our church financial planning services are tailored specifically to each congregation, offering customized solutions that ensure long-term stability and growth while supporting your church's mission.
Financial Management and Church Budgeting
We help churches build long-term financial health by managing cash flow, reviewing expenses, and developing effective investment strategies. With expert guidance on budgeting for ministries and capital campaigns, we ensure your church is prepared for both day-to-day operations and future growth.
Safeguarding Church Finances and Risk Management
We focus on protecting your church’s financial stability through effective risk management strategies and comprehensive insurance planning. Our services also include debt reduction plans to help your church stay financially secure while minimizing liabilities.
Employee Benefits and Church Growth
We offer tailored retirement plans, employee benefits, and succession planning to support your church’s leadership and staff. Additionally, our charitable giving strategies, donor management, and endowment planning help your church grow and achieve its long-term mission.
Educational Seminars for Churches and Ministry Organizations
In addition to our financial planning services, we offer educational seminars and talks designed to equip your congregation or ministry organization with valuable financial knowledge. We cover a wide range of topics tailored to the unique needs and interests of your audience.
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These seminars are designed to engage and educate your congregation, staff, or supporters in meaningful financial discussions. We customize each engagement to meet the specific needs of your ministry, ensuring that the content is both relevant and impactful, empowering individuals to make financial decisions that support your mission and long-term sustainability.
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Speaking fees start at $800, with travel expenses reimbursed separately. Please contact us to discuss how we can tailor a talk or a seminar to your organization’s unique needs. Topics include:
​General Financial Literacy
Empower your members or staff with essential financial skills, such as budgeting, saving, and managing debt.
Estate Planning and Legacy Giving
Guide your members or donors in planning their legacies by offering insights into wills, trusts, and other tools that help ensure their values continue to support your ministry’s work.
Fostering a Spirit of Generosity
Inspire a culture of giving by exploring biblical principles and practical strategies for stewardship and generosity, helping individuals and organizations align their financial lives with their mission.
Retirement Planning for Ministry Employees and Congregants
Provide guidance on retirement preparation for pastors, staff, and congregants, addressing the unique financial challenges of those working in ministry.
Tax-Efficient Ways to Support Your Ministry
Teach your community how to maximize their support for the organization through tax-efficient giving strategies, such as donor-advised funds, charitable trusts, QCDs, and more.
Navigating Financial Challenges in Ministry
Discuss ways for ministry organizations to manage cash flow, reduce debt, simplify taxes, and create sustainable financial structures in the face of economic challenges.
Want to Learn More?
Interested in scheduling a short educational presentation for your church board with a Heartwood financial professional? Fill out the contact form below, and we'll be in touch to discuss how we can support your church's financial goals and empower your leadership team. Let's strengthen your ministry together.
Fill out the information below to request a presentation. A member of our team will respond shortly.