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Financial Wellness Infrastructure
for Organizations Serving Clergy
You're investing in pastor financial wellness. The solutions just weren't built for clergy. We fix that
The Hidden Crisis Affecting Your Pastors
Pastoral financial stress isn't just a personal problem—it's an institutional one. When clergy struggle financially, it affects retention, ministry effectiveness, and the health of your entire network
90%
of pastors report financial stress
76%
know a colleague who left ministry due to financial pressure
42%
seriously considered quitting in the past year
The root cause? Clergy finances have never been treated as what they are: a specialized category requiring purpose-built infrastructure. Every other profession with unique financial complexity—doctors, military families, professional athletes—has developed specialized support systems. Ministers have been treated as regular employees who happen to work at churches. That assumption is wrong—and it's costing you pastors.
And with an average cost of $80,000-$120,000 to replace a single pastor, the burnout crisis among pastors is quickly escalating to a denominational epidemic.
Your denomination doesn't need to care more. You need infrastructure that matches your care.
Why Your Current Efforts Aren't Getting Results
You've allocated budgets. You've partnered with reputable providers. You've applied for grants. You genuinely care. And yet 90% of your pastors still report financial stress. This isn't a failure of compassion—it's a failure of infrastructure
Wrong Solutions
Your pastors complete Financial Peace University and still can't figure out their housing allowance. Generic programs deliver literacy—but miss the clergy-specific issues that actually keep pastors up at night
Wrong Framing
You respond to financial crises one pastor at a time. But 90% report financial stress. This isn't a collection of individual failures—it's a systemic pattern requiring infrastructure, not intervention.
Missed Signals
The earliest warning sign of burnout? When a pastor stops asking for support. Silence isn't contentment—it's disengagement. By the time you see the resignation letter, they've been leaving for months.
Benevolence is evidence of a gap, not evidence of care.
If your denomination is regularly writing emergency checks, your pastors are regularly reaching emergency status. The benevolence fund is the ambulance at the bottom of the cliff—not the guardrail at the top.
The Solution:
Scalable Financial Wellness—Deployed Through Your Organization
Shepherd's Wallet provides the specialized infrastructure denominational leaders need to support clergy financial health at scale:
Proprietary Technology Suite
Pastor Retirement Projector
Housing Allowance Optimizer
Pastor Tax Estimator
Payroll Audit Tool
Comprehensive Training Curriculum
135,000+ words of specialized content—developed specifically for clergy—delivered through your existing channels.
Specialized Knowledge
Deep knowledge of dual tax status, housing allowances, SECA strategies, 403(b)(9) plans, and denominational benefit structures that generic providers simply don't have.
Built for Organizations. Deployed to Pastors.
Denominational Leaders
You've tried generic programs. You've partnered with trusted names. The outcomes haven't matched your investment. We provide the clergy-specific infrastructure those programs structurally cannot.
RIA & Wealth Management Firms
Financial services firms wanting to serve the church market but lacking clergy-specific expertise. Differentiate your practice with specialized tools and training.
Preventing Pastoral Turnover and Burnout
When a pastor leaves due to financial stress, your organization absorbs the cost: search committees, interim leadership, congregation disruption, institutional knowledge loss. The average pastoral transition costs $80,000-$120,000.
Proactive financial wellness infrastructure costs a fraction of that—and serves your entire pastoral network, not just one minister in crisis.
Available Funding
Many denominational wellness initiatives qualify for Lilly Endowment grants ($500K–$1.25M over 3–4 years). We partner with organizations to develop grant-ready proposals.
Are You a Pastor Navigating This Alone?
While our primary focus is equipping organizations to serve clergy at scale, we maintain a selective boutique practice for individual pastors—particularly around the uniquely complex area of clergy taxation
Pastor Tax Review
A comprehensive evaluation of your tax situation. We identify optimization opportunities and compliance issues, then recommend next steps.
$150 (after discount)
Tax Mastery Training
DIY tax coaching for pastors with simpler situations. Learn to handle your own clergy taxes with confidence.
$295 ($245 early bird before January 31)
Starting at $525Clergy Tax Preparation
Boutique full-service tax preparation with limited availability. For pastors with complex situations requiring specialized professional preparation.
Meet Seth Scott, CKA®
Serving Pastors Financially Since 2021
After 20 years in and around ministry and a successful transition into financial planning, I received a clear divine assignment: “Cover financially those who cover us spiritually.”
This became my exclusive mission—serving as an armorbearer for pastors, and fulfilling this calling by partnering with the organizations that serve them.
20+ years of ministry experience as a worship leader and church board member
Exclusive focus on pastoral finances and taxation—including tax regulations, housing allowances, and church retirement plans
Contact Us
Let’s talk to discuss next steps for you or your organization.