It's December, and lots of financial professionals are talking with their clients about Roth conversions—but is that the best strategy for pastors? In this episode, we break down the "Super-Roth" concept: how your church 403(b) combined with housing allowance in retirement can actually beat a traditional Roth in terms of pure tax efficiency. But there's a catch (there's always a catch), and it has everything to do with what happens when you pay off your mortgage. Learn how to think strategically about your 403(b) balance, when Roth conversions make more sense, and why the legacy factor might tip the scales.

Resources mentioned:

• Pastor Refinance Calculator: https://www.shepherdswallet.com/refinance-calculator
• Pastor Tax Review: https://www.shepherdswallet.com/taxreview
• Sacred Capital Community: https://www.shepherdswallet.com/join
• Full article: https://www.shepherdswallet.com/blog/should-pastors-do-roth-conversions

This content is for educational purposes only and should not be considered personalized tax or legal advice. Tax laws are complex and individual situations vary. Please consult with qualified professionals for advice specific to your situation.

Most CPAs who make errors with clergy tax returns aren't failing pastors out of incompetence—they're failing because the system never equipped them to succeed. In this episode, I walk through what clergy taxation looks like from a tax preparer's perspective, the proactive questions they'd need to ask (but probably won't), and a spectrum of responses if you suspect your preparer is in over their head.

Resources mentioned:

• Free Interview Guide: shepherdswallet.com/tax-interview-guide
• Contact for CPA consultations: shepherdswallet.com/contact or seth@shepherdswallet.com
• Tax Mastery Training: https://www.shepherdswallet.com/taxes
• Sacred Capital Community: shepherdswallet.com/join
• Full article: https://www.shepherdswallet.com/blog/how-to-find-a-cpa-who-actually-understands-clergy-taxes

This content is for educational purposes only and should not be considered personalized tax or legal advice. Tax laws are complex and individual situations vary. Please consult with qualified professionals for advice specific to your situation.

Listen in as I make the case to your church board for investing in your financial wellness.

In this unique episode, I speak directly to church board members about why caring for their pastor's financial health isn't just compassionate – it's good stewardship. Pastors, this is designed for you to share with that "person of peace" on your board who could champion these changes.

I present a progressive action plan that any church can implement, starting with zero-cost corrections that save pastors thousands, moving through strategic investments that protect both church and pastor, and culminating in comprehensive care that prevents six-figure transition costs.

You'll discover:

• Why your pastor is your church's only appreciating asset
• The true cost of pastoral financial stress (hint: you're already paying it)
• Zero-cost fixes that save pastors thousands annually
• How key person insurance becomes a retirement blessing
• Three questions for your next board meeting

Whether you're a pastor hoping for change or a board member seeking wisdom, this 15-minute presentation could transform how your church approaches pastoral care.

Resources mentioned:

• Full Article: https://www.shepherdswallet.com/blog/what-pastoral-turnover-really-costs-your-church
• Free housing allowance calculator: shepherdswallet.com/housing-allowance-tool
• Pastor Financial Wellness Partnership: shepherdswallet.com/partnership
• Tax Review Service: shepherdswallet.com/taxreview
• Pre-order "Shepherding Your Finances": shepherdswallet.com/book

Perfect for sharing with board members, finance committees, and church leadership teams.

This content is for educational purposes only and should not be considered personalized tax or legal advice. Tax laws are complex and individual situations vary. Please consult with qualified professionals for advice specific to your situation.