Covering financially those who cover us spiritually
Financial coaching and implementation guidance designed exclusively for pastors and ministry leaders facing the most complex financial situations of any profession.
Finally, a Financial Professional Specializing Exclusively in Pastoral Finances
You answered God's call to ministry — not to become a part-time accountant, payroll specialist, and tax strategist. Yet here you are, navigating housing allowances, SECA taxes, and retirement planning with virtually no resources designed for your unique situation.
That changes today.
The Hidden Financial Complexity of Ministry
Pastors face some of the most uniquely complex financial situations of any profession:
You're both an employee AND self-employed for tax purposes
Housing allowances require careful optimization and documentation
Retirement planning involves denominational pensions, Social Security, and personal savings
Tax strategies that work for others often don't apply to your situation
The result? 1 in 4 pastors leave ministry within their first decade, often due to financial stress that could have been prevented with proper guidance.
Suffering in Silence: The Crisis No One Is Talking About
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90% of pastors feel some level of financial stress in their family and church work
National Association of Evangelicals, 2015
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76% of pastors know other pastors who left the ministry due to financial pressures
National Association of Evangelicals, 2015
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42% of pastors have considered quitting full-time ministry within the past year
Barna Group, 2022
Implementation-Focused Financial Coaching Built for Ministry
Our Approach: Meeting Pastors Where They Are
At Shepherd's Wallet, we understand that every pastor's situation—and bandwidth—is different. That's why we've designed multiple ways to access the financial guidance you need, when you need it, without adding to your already full plate.
Whether you prefer learning in community with other pastors, need intensive one-on-one implementation coaching, or want to tackle specific challenges through targeted workshops, we meet you where you are. Our approach focuses on practical implementation rather than overwhelming information, giving you clear next steps you can actually execute.
We specialize in the financial complexities unique to ministry:
Housing allowance optimization and documentation
Tax strategies that actually work for pastoral income
Retirement planning with denominational pensions and Social Security
Managing multiple income streams with the Four-Bucket Approach
Building financial stability on a ministry salary
Our mission is simple: provide guidance that lightens your burden, not adds to it. We're here to help you gain confidence and clarity so you can focus on what God has called you to do.
Specialized Knowledge
The Four-Bucket Approach for bivocational pastors
The 5-10-15 Rule for financial stability
Advanced strategies like the Phantom Mortgage technique
Sacred Capital philosophy integrating calling and stewardship
Community Membership
Weekly live Q&A sessions with pastoral financial specialist
Peer forums with pastors facing similar challenges
Implementation worksheets and practical tools
Tiered membership starting at just $15/month
Individual Financial Coaching
Personalized strategies for your specific situation
Quick Start sessions and comprehensive programs
Regular cohort meetings for accountability and edification (coming soon)
25% discount for community members
Shepherd's Wallet provides educational coaching services and does not offer investment advice, securities recommendations, or financial planning services. For comprehensive financial planning and investment management, clients are referred to licensed financial planning professionals.
Meet Seth Scott
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, not with swords, but with spreadsheets. Not in battle, but in budgeting.
20+ years of ministry experience as a worship leader and church board member
Author of Shepherding Your Finances (planned release Spring 2026)
Exclusive focus on pastoral financial implementation
Specialized knowledge in pastoral tax regulations, housing allowances, and church retirement plans
Pre-Order Now:
"Shepherding Your Finances"
The First Comprehensive Guide to Pastoral Finances
Scheduled for release Spring 2026
The Sacred Capital Community
Join Pastors Building Financial Confidence Together
Finally, a place to connect with other pastors and financial specialists to discuss clergy finance challenges
Connect with fellow ministry leaders, get specialized education, and build the financial confidence you need to serve faithfully.
Member Benefits:
Weekly live Q&A
Tools and resources designed specifically for pastoral finances
Access to a growing community of like-minded pastors and financial professionals growing in their stewardship journeys
Membership Packages:
Individual Membership ($15/month)
Church Partnership Program ($25 - $125/month) — full membership for church staff and board members, tiered by number of participants
Personalized Implementation for Your Unique Situation
Quick Start Session - $550
Single 75-minute intensive session
Perfect for: Pastors who need clarity on their biggest financial opportunities
Intensive Coaching - $2,750
Six 75-minute sessions over 3 months
Perfect for: Pastors ready for comprehensive financial transformation
Follow-Up Sessions - $150
50-minute sessions scheduled as needed (after completing Intensive Coaching)
Perfect for: Ongoing accountability and obstacle removal
Discounts available for:
✅ Seminary students
✅ Small church pastors
✅ Community members
Comprehensive Training for Organizations Serving Ministry Leaders
Address the crisis where 90% of pastors feel financial stress through proven educational programs, practical implementation strategies, and measurable outcomes that strengthen ministry effectiveness.
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Equip your leadership teams with the knowledge to properly support and compensate ministry staff. These intensive workshops cover pastoral compensation best practices, housing allowance administration, retirement planning guidance, and creating sustainable financial wellness programs for church staff.
Half-day workshop: $2,500
Full-day intensive: $4,000
Includes customized materials and follow-up resources
Available for denominational groups and individual churches
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Partner with us to develop comprehensive "Pastoral Financial Stewardship" coursework that prepares future ministers for the financial realities of ministry. Services include curriculum development, faculty training, student workshops, and ongoing educational resources.
Curriculum development and faculty training: $25,000-40,000
Includes course materials, teaching guides, and student resources
Faculty training sessions and ongoing support
Alumni education programming available
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Transform your conference or event with presentations addressing the financial crisis facing pastors today. From keynote addresses on pastoral financial wellness to interactive workshops on housing allowance optimization, these presentations combine biblical stewardship principles with practical implementation strategies.
Single presentations: $1,500
Half-day workshops: $2,500
Full-day intensives: $4,000
Travel expenses additional for events requiring overnight stay
Contact Us
Interested in working together? Fill out some info and we will be in touch shortly. We can’t wait to hear from you!
Bulk book orders available
Grant-funded training programs
Speaking inquiries: please use this form