Many pastors find themselves at the end of their ministry career unable to retire - not because they lack calling, but because they lack financial security. Churches often avoid the money conversation, leaving leaders stuck in the pulpit longer than they should be.

In this episode, financial strategist Gabe Pelphrey opens the curtain on why retirement planning for ministry leaders so often gets ignored. He explains the unique challenges pastors face, the role boards must play, and the courageous conversations that make succession possible.

This isn’t just about money - it’s about stewardship, legacy, and ensuring both leaders and churches are prepared for what’s next.

Key Takeaways

• Why many pastors cannot financially afford to retire
• The board’s role in annual compensation and planning reviews
• How rabbi trusts and deferred compensation plans protect leaders and churches
• The danger of assuming “God will provide” without planning
• Why courageous conversations about money and succession matter
• How retrospective compensation studies address past underpayment
• Why planning early ensures dignity, security, and peace in transitions

Chapter Markers 00:00 – Welcome & Introductions 01:20 – The hidden financial crisis in pastoral transitions 03:45 – Who holds responsibility: pastor or board? 06:15 – When pastors retire into poverty 08:00 – Unique financial tools for churches (rabbi trusts, 403b9s) 10:13 – Stewardship and courageous conversations 13:27 – Strongholds around money in ministry 16:40 – Poverty mindset vs. extravagant misconceptions 20:06 – Retrospective compensation studies explained 22:53 – Gabe’s background and calling into this work 25:06 – How Stewarded serves churches and nonprofits 27:00 – Why Ministry Transitions + Stewarded work hand-in-hand 32:29 – Preview of joint webinar

Retirement should not punish calling. Visit stewarded.io to schedule a strategy session. Build a clear roadmap with your board using tools like 403(b)(9) plans, rabbi trusts, deferred compensation, and retrospective compensation studies so your pastor can finish with dignity and your church stays strong.

If succession or a financial crunch is on the horizon, do not walk it alone. Go to ministrytransitions.com to book a confidential call. We help pastors and boards craft integrity-first transition plans that protect people, steward resources, and prepare your church for what’s next.

Behind every thriving ministry is a foundation you can’t always see - standards, accountability, and trust. Without them, the most passionate vision can unravel overnight.

In this episode of Life After Ministry, ECFA’s Jake Lapp explains why accountability matters not just for auditors and boards but for pastors, leaders, and anyone entrusted with Kingdom resources.

He shares how ECFA’s standards were designed to serve ministries, not stifle them, and how transparency is one of the clearest ways leaders reflect Christ’s call to integrity.

If you’ve ever wondered whether accountability hinders or helps ministry, Jake’s perspective reframes the conversation. This episode offers a framework for leaders who want to guard the mission, protect their people, and leave behind a legacy of trust.

• Accountability is not bureaucracy - it’s discipleship.
• Transparency builds trust faster than vision statements.
• Financial integrity protects both leaders and the people they serve.
• ECFA standards are guardrails, not red tape.
• Trust is earned in drops but lost in buckets.
• Healthy structures create freedom, not restriction.
• Integrity in hidden details sustains visible ministry.

• 00:00 – Introduction to ECFA and Jake Lapp
• 02:05 – Why Accountability Matters in Ministry
• 05:20 – The Role of ECFA Standards
• 09:45 – How Transparency Builds Trust
• 13:10 – Common Pitfalls Leaders Face
• 17:25 – Trust, Integrity, and Long-Term Sustainability
• 21:40 – Encouragement for Leaders in Transition

Strengthen the foundation you cannot see. Visit ECFA.org to review the Seven Standards, explore practical tools, and begin a clear pathway toward accreditation. Build transparency that protects people, guards the mission, and reflects Christ’s call to integrity.

If a transition is on the horizon, do not carry it alone. Go to MinistryTransitions.com to book a confidential call and build an integrity-first plan that safeguards your people and purpose. If you’re able, give to make this support possible for another leader.

What happens when the very act of caring for others leaves you depleted?

Laura Howe, founder of Hope Made Strong, knows firsthand the toll of compassion fatigue. From her own season of burnout came a global movement equipping churches to address mental health with wisdom and grace.

In this conversation, Laura shares her personal journey from exhaustion to renewed purpose. She reminds us that burnout is not a moral failure, but a workplace hazard for anyone serving in caregiving roles.

With honesty and clarity, she explains what resilience truly looks like, how to know when you’ve moved from “yellow” into “red,” and why churches must begin addressing mental health as part of whole-life discipleship.

For leaders in transition, this episode offers a lifeline. You’ll hear not only practical wisdom but also the hope that God redeems what feels wasted.

Whether you’re a pastor, a board member, or someone carrying unseen weight, Laura’s insights offer courage to pause, refuel, and continue faithfully.

• Burnout and compassion fatigue are hazards of caregiving, not signs of weakness or sin.
• Resilience is less about powering through and more about bouncing back.
• Ministry leaders must learn to recognize their “zone” on the green-yellow-orange-red scale.
• Sustainable care in churches means creating belonging, purpose, and hope - not acting as clinics.
• The Church has a unique capacity to support mental health across every stage of life.
• Global interest in integrating faith and mental health is rising rapidly.
• Hope Made Strong and the Church Mental Health Summit provide free, practical resources.

• 00:00 – Introduction to Laura Howe and Hope Made Strong
• 01:10 – Laura’s Burnout Story and Birth of Hope Made Strong
• 03:13 – Understanding Compassion Fatigue and Resilience
• 06:12 – How Do You Know It’s Time for a Change?
• 09:17 – From Red Zone to Hope Made Strong
• 12:15 – Sustainability and the Church’s Responsibility
• 16:04 – Why the Church Must Embrace Mental Health
• 19:50 – Launching the Church Mental Health Summit
• 23:25 – Personal Reflection and Final Encouragement

If this episode stirred something in you, take a next step: visit MinistryTransitions.com to book a confidential call about an upcoming transition, termination, or succession - or give to help another leader get timely support. Then head to HopeMadeStrong.org to equip your team for sustainable care by registering for the Church Mental Health Summit and accessing practical tools for your church.