The CRC Retirement Income Plan Makes Preparing for the Future Easy.

We understand how overwhelming retirement planning can be. Therefore, you have access to free and insightful tools/resources to help you with each step.

Dream

This free, online tool will help you determine how to use the unique passions, abilities, and experiences that God has given you. Discover a new vision for retirement that focuses on maximizing your purpose and Kingdom impact.

Start

This quick and easy tool is user-friendly, interactive, and provides you with an educational enrollment experience. Plus, you can later review your account annually to make sure it is up to date.

Learn

Explore a wide range of resources including books, online apps, emails, and articles that will empower you to make wise investment and money decisions.

Ask

A professional support team is available via email, phone, and online chat. You can also schedule times to meet with a licensed advisor. You also have access to a complete online help center.

Tax Savings

The Minister’s Housing Allowance is one of the greatest tax benefits available to ministers. As an ordained, licensed, or commissioned minister, you can receive a portion of your compensation as Housing Allowance. That portion is excluded from your gross income and therefore not subject to federal income tax. This represents substantial tax savings for you.

Further, when you retire as an ordained, licensed, or commissioned minister, a portion of your 403(b)(9) retirement plan distribution can be taken as Housing Allowance, providing additional tax savings in retirement. To retain the benefit upon retirement, do not transfer any of these funds to an IRA. This unique benefit enhances the CRC Retirement Income Plan.

Everyone Can Invest Well

The CRC Retirement Income Plan uses open architecture and a unique menu creation/selection process to create and maintain your investment menu. Investment selection is made easy. You have the option of choosing your investments or selecting a guided process. Your investment menu is reviewed quarterly by the CRC U.S. Pension Trustees.

Encouragement & Support

The CRC Retirement Income Plan offers Priority Customer Service through church and ministry retirement plan specialists at Envoy Financial. For almost three decades, Envoy has solely focused on the unique retirement needs of those in ministry. In addition, several of Envoy’s staff have served with churches and in the mission field. Your questions will be answered by friendly, faith-based professionals on the first call.

A Greater Vision of Retirement

For most people "retirement" is seen as a time during which you withdraw or cease from work. However, there is never a time in which we stop having value or influence in the lives of others. In fact, God has created us to minister to others for a lifetime.

The CRC Retirement Income Plan encourages and empowers you to redefine retirement where you can embrace your lifetime calling to love, serve, and minister to others. Maximize your impact and potential with a new vision of retirement.