1. Welcome to your GuideStone presentation!
Please fill out Section 1 of the Meeting Registration Card, and remember to silence all cell phones.

2. GETTING STARTED Understanding Your New 403(b) Retirement Plan Account
Since 1918, GuideStone Financial Resources has been helping ministers and employees of churches and faith-based organizations invest for retirement.
Today, more than 580 ministries and more than 220,000 participants worldwide look to us to help them prepare for their financial future.
We are honored that your organization has given us the opportunity to provide you with these same important financial preparation resources.
This brief presentation will introduce you to the opportunities available in your employer’s retirement plan through GuideStone Financial Resources.
Welcome to the GuideStone family.
Speaker’s Name

3. About GuideStone What is a 403(b)
About GuideStone What is a 403(b)? Contribution Options Saving and Investment Strategies Next Steps
AGENDA

4. ABOUT GUIDESTONE
Through GuideStone, you will participate in a 403(b) retirement plan.

6. WHAT IS A 403(b)?
Through GuideStone, you will participate in a 403(b) retirement plan.
Although title is capitalized, the ‘b’ in 403(b) is specifically left as lower-cased because 403(B), with the capitalized ‘B’ is something entirely different in the tax code.

7. What is a 403(b) retirement plan?
Offered to you as an employee
For nonprofit organizations
Similar to 401(k)
Defined contribution plan
This type of plan is similar to a 401(k) plan that might be used by employees of for-profit businesses.
403(b) is the section of the IRS tax code that describes retirement plans often used by 501(c)(3) non-profit organizations.
Your 403(b) plan is a tax-sheltered retirement plan. It allows you the option of delaying the payment of income taxes on plan contributions and investment earnings until they are distributed back to you as income when you retire.
403(b) plans are also known as defined-contribution plans. This means your income at retirement will be defined by the contributions and earnings within your account during your working years.
In simple terms, if you invest small amounts and have minimal earnings in a defined-contribution plan, you should expect to have small income payments at retirement.
The larger your contributions and the greater the earnings you receive through your working years, the larger your income payment is likely to be when you retire.
In a defined-contribution plan, it is important that you start contributing as soon as possible and that you make adequate contributions.

8. CONTRIBUTION OPTIONS

9. You may have three different types of contributions in your GuideStone retirement account:
Participant contributions
Employer contributions
Rollover of accumulations from other retirement plans.
The IRS does place limits on annual contributions, but these limits can be generous. GuideStone can determine your personal limit by preparing a maximum contribution calculation for you at no cost.
In terms of your retirement plan, the total contributions can be as much as 100% of includable compensation, up to $55,000 this year. The maximum you can do through a salary reduction agreement is $18,500, or 100% of your includable compensation, whichever is less.
Beyond these limits, participants age 50 and above may contribute an additional “catch-up” contribution of up to $6,000.
Please note that these contribution limits are for These may be adjusted annually by the IRS.
These limits DO NOT APPLY to roll over of accumulations. There are NO DOLLAR LIMITS on rollovers from other retirement plans.

10. Simplified Talking Points:
Participant contributions
Tax-sheltered
Tax advantages
Reduction of taxable income in year of contribution
Deferred taxation of contributions and earnings
Additional tax advantages for ministers
Contributions exempt from SECA
Housing allowance designation
Roth elective deferrals
No taxation of “qualified distributions”
Tax-paid
Advantages
Higher contribution limits
Deferred taxation of earnings
In-Depth Talking Points:
You can make a participant contribution. These can be made as a
Roth elective deferral
Tax-paid contributions.
Tax-sheltered contributions offer tax advantages both now and at retirement. The immediate benefit to plan participants is reduced taxable income during the year of contribution. Reducing your taxable income almost always translates to lower tax liability for the current year. Deferred taxation of contributions and earnings allows for potentially quicker growth through compounding — as no taxes are due until the funds are distributed as a withdrawal.
Many participants find themselves in a lower tax bracket in retirement when the distributions are taxed.
Participant, tax-sheltered contributions by Ministers for Tax Purposes have two added advantages.
Participant, tax-sheltered contributions are also exempt from Social Security, or SECA taxes.
Distributions to a retired minister from this plan can be designated as a “housing allowance,” providing a significant tax savings opportunity in retirement.
The benefit of the Roth contribution is ultimately achieved at retirement. Roth elective deferrals, and any earnings on those funds are distributed with no federal tax due (or state income tax in most cases) if the withdrawals meet the Qualified Distribution rules.
Qualified distributions are defined as:
Distribution made after the five-year exclusion period AND
Made on account of: attainment of age 59½, disability, or death*
The five-year exclusion period begins with the earlier of:
The first tax year for which a designated “Roth” contribution is made to the plan or,
If a Roth rollover contribution is made to the plan, the first taxable year the individual first made a designated Roth elective deferral to the OTHER retirement plan, if earlier.
For purposes of withdrawal eligibility, Roth 403(b) accumulations are treated the same as tax- sheltered 403(b) accumulations.
Severance of employment
Death
Disability
Attainment of age 59½
Financial hardship (contributions only) to the extent permitted by the employer’s plan
*Severance from employment and hardship are not included.
Tax-paid contributions have higher contribution limits compared to tax-sheltered contributions and Roth elective deferrals. In addition, earnings are tax-deferred.

11. Tax-sheltered Contributions for Ministers
Reduction of taxable income in year of contribution
Deferred taxation of contributions and earnings
Contributions exempt from SECA
Tax-free housing allowance in retirement

12. Simplified Talking Points:
Participant contributions
Tax-sheltered
Tax advantages
Reduction of taxable income in year of contribution
Deferred taxation of contributions and earnings
Additional tax advantages for ministers
Contributions exempt from SECA
Housing allowance designation
Roth elective deferrals
No taxation of “qualified distributions”
Tax-paid
Advantages
Higher contribution limits
Deferred taxation of earnings
In-Depth Talking Points:
You can make a participant contribution. These can be made as a
Roth elective deferral
Tax-paid contributions.
Tax-sheltered contributions offer tax advantages both now and at retirement. The immediate benefit to plan participants is reduced taxable income during the year of contribution. Reducing your taxable income almost always translates to lower tax liability for the current year. Deferred taxation of contributions and earnings allows for potentially quicker growth through compounding — as no taxes are due until the funds are distributed as a withdrawal.
Many participants find themselves in a lower tax bracket in retirement when the distributions are taxed.
Participant, tax-sheltered contributions by Ministers for Tax Purposes have two added advantages.
Participant, tax-sheltered contributions are also exempt from Social Security, or SECA taxes.
Distributions to a retired minister from this plan can be designated as a “housing allowance,” providing a significant tax savings opportunity in retirement.
The benefit of the Roth contribution is ultimately achieved at retirement. Roth elective deferrals, and any earnings on those funds are distributed with no federal tax due (or state income tax in most cases) if the withdrawals meet the Qualified Distribution rules.
Qualified distributions are defined as:
Distribution made after the five-year exclusion period AND
Made on account of: attainment of age 59½, disability, or death*
The five-year exclusion period begins with the earlier of:
The first tax year for which a designated “Roth” contribution is made to the plan or,
If a Roth rollover contribution is made to the plan, the first taxable year the individual first made a designated Roth elective deferral to the OTHER retirement plan, if earlier.
For purposes of withdrawal eligibility, Roth 403(b) accumulations are treated the same as tax- sheltered 403(b) accumulations.
Severance of employment
Death
Disability
Attainment of age 59½
Financial hardship (contributions only) to the extent permitted by the employer’s plan
*Severance from employment and hardship are not included.
Tax-paid contributions have higher contribution limits compared to tax-sheltered contributions and Roth elective deferrals. In addition, earnings are tax-deferred.

13. A contribution can also be made by your employer into this plan
A contribution can also be made by your employer into this plan. Employer contributions are sheltered from federal income taxes and exempt from Social Security taxes. Some employers may contribute to your account or offer matching contributions. Please contact your employer for more information about the benefits available to you.

14. Employer Contributions
Your employer’s matching contributions are subject to the following schedule:
Participant’s Contribution Percentage
Employer Matching Contribution Percentage of Compensation
Total Contribution 5%
10%

15. Waiting Period Immediate 1 year 3 years 5 years Part-Time Employees
Your employer’s waiting period for employer contributions is as follows:
Immediate
1 year
3 years
5 years
Part-Time Employees 0%
33%
66%
100%
Full-Time Employees
25%
50%
75%

16. Completed Years of Service
Vesting
Employer contributions are subject to the following vesting schedule:
Completed Years of Service
Percentage Vested
<1 0% 1
20% 2
40% 3
60% 4
80%
5 or more
100%

17. State Convention Contributions
Disability Income Benefit
Up to $500 a month disability income
Disability must have occurred before age 65
In addition to insurance or Social Security
Contributes to retirement account $35 each month of disability benefit
Visit GuideStone.org/SBCChurchBenefits to learn more about the participation of your state convention. Retirement contribution must be $50 or greater to be eligible.
The disability benefit provides up to $500 a month in disability income to an eligible plan participant who becomes disabled. This benefit is paid in addition to any disability insurance or Social Security benefits. Every month this disability benefit is paid, a $35 contribution is also made into the retirement account of the disabled participant.

18. State Convention Contributions
Disability Income Benefit
Survivor Protection Benefit
Amount paid to beneficiaries determined by participant’s age at death
Can equal as much as $100,000
Paid in addition to participant’s retirement account balance
Visit GuideStone.org/SBCChurchBenefits to learn more about the participation of your state convention. Retirement contribution must be $50 or greater to be eligible.
The survivor benefit is similar to life insurance. If an eligible participant dies while active in the plan, his or her beneficiaries receive a survivor benefit. The amount is determined by the participant’s age at death but can equal as much as $100,000. This benefit is paid to survivors in addition to the participant’s retirement account balance.

19. State Convention Contributions
$1 for $3 matching retirement contributions (maximum $17.50)
Protection benefits — Disability Income Benefit and Survivor Protection
Benefit
$105.00
$52.50
$50.00
Your monthly contribution level
For every $3 contributed each month in excess of $52.50, $50 in matching convention contributions is provided to eligible participants, up to a maximum monthly convention contribution of $ To receive this maximum amount, eligible participants must have employer and/or participant contributions equal to at least $105 per month.

20. Does consolidation make sense?
403(b)
401(k)
IRA
Advantages
Centralizing assets
Flexible income options
Loan availability
Potential reduction of fees
For more information, please visit GuideStone.org/Consolidate.
There are several key issues you should consider as you look at rollovers.
Would it help you to consolidate your accounts? Keeping all of your accounts in one place is less hassle and easier to maintain.
Consider the available income options. With GuideStone retirement plans, you have several options to choose from. (List all income options the specific audience is eligible for – (XM- Lump Sum, Systematic Withdrawal, SBC Only - Annuity)
Do you anticipate needing to take a loan from your account? Some GuideStone plans have loan options where you may borrow from your account. You will need to check your plan provisions for eligibility. This does not apply to IRAs; it is strictly for employer-sponsored retirement plans.

21. SAVING AND INVESTMENT STRATEGIES

22. How much should you save?
Start somewhere
Aim for a savings goal combining both employee and employer contributions toward 15%
Complete a Retirement Contribution Agreement
Use our savings calculators
For more information, please visit GuideStone.org/Calculators.
Additionally, we provide an extensive selection of saving and planning calculators designed to help your employees evaluate if they are on track toward their retirement goals.
Our calculators include the following:
Benefits of Spending Less Calculator
Life Insurance Calculator
Required Minimum Distribution (RMD) Calculator
Retirement Contribution Effects on Your Paycheck Calculator
Retirement Income Calculator
Retirement Planner Calculator
Retirement Shortfall Calculator
Roth vs. Traditional Calculator
Savings Distribution Calculator
Visit GuideStone.org/Calculators to see the complete listing.

23. The Nation’s Largest Christian-screened mutual fund family
Investments that honor Christian values
Diversified fund offering
Personalized investment options vv

24. Finding the Right Investment Approach
Time horizon
Risk tolerance
Individual investment goals
The next area that is in your control is Asset Allocation within your retirement account. Often people think that Asset Allocation is the most important part of your retirement plan. But really, saving is the most important, then Asset Allocation. Proper diversification will be affected by three factors: time horizon until you want to start taking dollars from your account, your tolerance for risk, and your specific retirement goals (what kind of retirement you are trying to fund).
Let’s talk about the three main investment approaches with GuideStone. Please look at the handout that is titled “Choose Your Funds”.

28. GuideStone Financial Resources® (“GuideStone”) is not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity. GuideStone has a financial interest in GuideStone Funds®. GuideStone and its affiliates receive management fees and service fees from the Funds. When plan assets are invested in GuideStone Funds, the amount of management fees and service fees received by GuideStone and its affiliates increases. The amount of fees paid to GuideStone and its affiliates by GuideStone Funds varies by fund. Fees paid to GuideStone and its affiliates are higher in those GuideStone Funds that are funds of funds, because the funds of funds bear their proportionate share of the fees of the underlying GuideStone Funds in which they invest (in addition to bearing their own fees). For more detailed information regarding the fees and expenses of the GuideStone Funds, please refer to the GuideStone Funds prospectus. You should carefully consider the investment objectives, risks, charges and expenses of the GuideStone Funds before investing. A prospectus with this and other information about the Funds may be obtained by calling GS-FUNDS ( ) or downloading one at GuideStoneFunds.com/funds. It should be read carefully before investing. GuideStone Funds shares are distributed by Foreside Funds Distributors LLC, not an advisor affiliate.

29. NEXT STEPS

30. Enrolling in Your Plan Step 1: Complete enrollment application
Step 2: Complete rollover form
Call GUIDE ( ) Monday through Friday, 7 a.m. to 6 p.m. CST for assistance.
Getting started in your employer’s 403(b) retirement plan through GuideStone takes three simple steps.
Step 1 — Complete the enrollment application and give it to your employer. To make participant contributions from your pay, be sure to complete the contribution section and sign your enrollment form. We suggest you also keep a copy of the enrollment form for your own tax records. The form not only enrolls you in the plan but serves as written permission for your employer to reduce your salary by the percentage or dollar amount of pay that you determine. (The contribution is then submitted by your employer to GuideStone and posted to your account as an employee contribution.)
Step 2 — If you have a traditional IRA or retirement accounts from previous employers, you can complete a rollover form and consolidate all of your retirement investments into your new GuideStone account. Send your completed rollover form directly to GuideStone.
You can call for assistance with completing forms by phone or to simply ask a question. GuideStone Customer Service specialists are available Monday through Friday, 7 a.m. until 6 p.m. CST. vv

31. Understanding Your Plan
No loads or sales commission
Operating expenses
SBC VERSION SLIDE
The GuideStone Funds do not impose any up-front sales charges or contingent deferred surrender charges.
There are two different costs related to your Retirement Savings Plan account with GuideStone. The first is the cost related to investing. Mutual funds like the GuideStone Funds have operating expenses to pay for services such as investment management, distribution, administration and custodial services. These operating expenses are typically referred to as the fund's expense ratio and are deducted from the mutual fund's assets. The expense ratio is accrued on a daily basis by taking the annual operating expenses and multiplying 1/365 of the expense against the average daily net assets of the fund.
For example, if the fund expense ratio was determined to be 1%, the daily fee would be 1% of a participant's account balance in the fund multiplied by 1/365. Each mutual fund has a different expense ratio based upon its investment strategy, share class and other expenses. The expense ratios for each of the GuideStone Funds are shown in the Prospectus as well as in the fund performance information disclosed on GuideStone's website at Please note that the investment performance information provided includes each fund's annual fund operating expenses — all performance figures are net of each fund's operating expenses.
The second cost related to your GuideStone account relates to the cost of providing the various participant services that are needed to help participants manage and understand their plan. This is an annual fee of $48 per participant that is charged in quarterly increments. If the average plan balance per participant is less than $15,000, there will be a $12 quarterly fee. The $12 quarterly fee DOES NOT APPLY to SBC organizations. vv

32. Understanding Your Plan
No loads or sales commission
Operating expenses
$12 quarterly service fee if average account balance is less than $15,000 across your plan
XM VERSION SLIDE
The GuideStone Funds do not impose any up-front sales charges or contingent deferred surrender charges.
There are two different costs related to your Retirement Savings Plan account with GuideStone. The first is the cost related to investing. Mutual funds like the GuideStone Funds have operating expenses to pay for services such as investment management, distribution, administration and custodial services. These operating expenses are typically referred to as the fund's expense ratio and are deducted from the mutual fund's assets. The expense ratio is accrued on a daily basis by taking the annual operating expenses and multiplying 1/365 of the expense against the average daily net assets of the fund.
For example, if the fund expense ratio was determined to be 1%, the daily fee would be 1% of a participant's account balance in the fund multiplied by 1/365. Each mutual fund has a different expense ratio based upon its investment strategy, share class and other expenses. The expense ratios for each of the GuideStone Funds are shown in the Prospectus as well as in the fund performance information disclosed on GuideStone's website at Please note that the investment performance information provided includes each fund's annual fund operating expenses — all performance figures are net of each fund's operating expenses.
The second cost related to your GuideStone account relates to the cost of providing the various participant services that are needed to help participants manage and understand their plan. This is an annual fee of $48 per participant that is charged in quarterly increments. If the average plan balance per participant is less than $15,000, there will be a $12 quarterly fee. The $12 quarterly fee DOES NOT APPLY to SBC organizations. vv

33. MyGuideStone® Access vv
Current account information can be accessed at any time by using Online Services through
With this tool you can do such things as view a detailed activity history of your account, calculate your personal rate of investment return, chart the growth of your account, and make changes to your investment fund allocation.
Visit GuideStone.org
Click Login
Select MyGuideStone vv

34. Logging into MyGuideStone
You can also go directly to
Next, you will simply enter your User ID and password. First-time users will need to establish a User ID and password by selecting the “Register Now” link. vv

35. MyGuideStone Dashboard vv
You can also go directly to
Next, you will simply enter your User ID and password. First-time users will need to establish a User ID and password by selecting the “Register Now” link. vv

36. Electronic Quarterly Account Statement
Once enrolled, there are several ways you can begin to manage your retirement account.
Each quarter, you will be notified by when your online account statement is available. The statement will provide a summary of activity within your account for the previous quarter.
Statements will be available as a PDF file, meaning they can be saved to your computer or easily printed for personal files.
FYI: XM participants will receive ALL statements, including annual year-end statement, electronically. DO NOT advertise ability to receive paper statements to XM clients. If attendee inquires about this, speaker may respond but may not initiate conversation about this.
If you are unable to receive electronically delivered statements and want to continue to receive quarterly statements by mail, you may request paper statements by calling GUIDE ( ) If you currently receive paper statements, you will still receive a printed annual statement each January that provides a summary for the previous year. (Participants who have already chosen to receive electronic statements will receive the annual summary statement electronically.) This year-end statement will show a report for account activity for the entire year. You can opt to receive this statement electronically by registering your preferences at MyGuideStoneTM. Log into MyGuideStoneTM at vv

37. CONTACT US 1-888-98-GUIDE (1-888-984-8433) Info@GuideStone.org
Our highly trained customer service specialists are also available to personally help you manage your retirement account by answering your questions and assisting you with all retirement account transactions.

38. TAKE ACTION IMPLEMENT YOUR PLAN TODAY! Set a budget and stick to it.
Develop a disciplined approach to managing money.
Contribute to your retirement savings.
Track progress to hold yourself accountable.
Consider opening an investment account for emergencies or to fund future expenses.

39. Please Complete Section 2 of the Meeting Registration Card

40. You should carefully consider the investment objectives, risks, charges and expenses of the GuideStone Funds before investing. A prospectus with this and other information about the Funds may be obtained by calling GS-FUNDS ( ) or downloading one at GuideStoneFunds.com/funds. It should be read carefully before investing. GuideStone Funds are made available through GuideStone Financial Services®, member FINRA. Shares of GuideStone Funds are distributed by Foreside Funds Distributors LLC, not an advisor affiliate. GuideStone Funds and GuideStone Financial Services are controlled- affiliates of GuideStone Financial Resources. The Capital Preservation Fund is offered by GuideStone Financial Resources.
(MANDATORY SLIDE – CANNOT BE HIDDEN.)