Todd Hukill

Fee-only fiduciary for pastors nationwide. Clergy tax, housing allowance & 403(b) retirement strategy. Independent advice. No commissions. Tweets ≠ advice

[Todd Hukill @ToddHukill]

Pastors: there’s a tax bill your spouse might not see coming! #TikTok https://t.co/HO1yCW2LdB

[Todd Hukill @ToddHukill]

Pastor did you opt out of Social Security? Watch this

[Todd Hukill @ToddHukill]

A lot of pastors assume the housing allowance ends when they retire.
It doesn't have to.
If your money stays in a qualifying church plan, a 403(b)(9), a credentialed minister can designate distributions as housing allowance in retirement. Tax-free within the limits.
The benefit that carried you through ministry can keep working.
Educational only, not tax advice.
#pastors #housingallowance

[Todd Hukill @ToddHukill]

I started writing this book over ten years ago.
The proof came in the mail today.
Fear God, Fear Not. July 14.

[Todd Hukill @ToddHukill]

https://t.co/hK9FWgKsjO

[Todd Hukill @ToddHukill]

A capable advisor who has never worked with clergy will run the math correctly and can still reach the wrong answer, because the housing allowance isn't in their model.

Full breakdown, including the 4 times a conversion still makes sense: https://t.co/ItKLeEFYQl

[Todd Hukill @ToddHukill]

Convert to a Roth in your gap years.

It's one of the cleaner moves in retirement planning. For a teacher, an engineer, a business owner, it's good counsel.

For a pastor, it can be exactly backward. Here's the piece the standard playbook leaves out.

[Todd Hukill @ToddHukill]

This isn't "never." There are real cases where converting still earns its keep, mostly the dollars the housing allowance will never reach.

The rule of thumb: convert what housing can't cover. Protect what it can.

[Todd Hukill @ToddHukill]

Check out Todd Hukill's video! #TikTok https://t.co/CLS1xtK1IJ

[Todd Hukill @ToddHukill]

Free this quarter: the CALLED Quarterly Planner, digital edition.
Six life domains. Daily rhythms shaped by Scripture. Built for GoodNotes and Notability on iPad.
No trial. No card. Just download and try a full quarter.
https://t.co/3exhMxA3sS

[Todd Hukill @ToddHukill]

Check out Todd Hukill's video! #TikTok https://t.co/hsY6XL6JbS

[Todd Hukill @ToddHukill]

I checked. The tomb is still empty. He is risen.

#HeIsRisen #GardenTomb #Jerusalem #Easter

[Todd Hukill @ToddHukill]

Just move one thing from “later” to “sooner.”

[Todd Hukill @ToddHukill]

Most pastors don’t have a retirement problem.
They have a “we’ll figure it out later” problem.

[Todd Hukill @ToddHukill]

So don’t try to solve everything today.