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FCMM Benefits & Retirement Home

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For Individuals | Retirement Plan

Retirement Plan Info

FCMM makes it easy for churches and ministries to offer retirement benefits to their employees at good value with a range of choices. Operating as a 403(b)(9) church retirement income account plan, we offer a variety of investment options, whereby participants can manage their own account or benefit from the professional management of collective funds.

  • Brochure
  • Sources of Contributions (EmployER or EmployEE)
  • Retirement Plan 2025 Contribution Limits
  • Changing Investments Within the Retirement Plan
  • What are Roth Contributions?
  • Considering Roth-designated Funds vs Housing Allowance
  • Enrollment Packet (Form 00)
  • Enrollment Procedures (Form 23)
  • Updating Personal Information
  • Investment Options (Form 31)
  • Understanding Option C Lifetime Fund: The Steady Approach
  • Option C Rate for 2025
  • Performance Report for 2024 (Form 40)
  • Performance Report for 2023 (Form 40)
  • Summary Plan (Form 38)
  • Fees (Form 41)
  • Required Minimum Distributions - Update 2021 & 2023

 



 

 

Planning for Retirement

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External Resources

  • EFCA

    Evangelical Free Church of America

  • Social Security Administration

  • Savings Calculators

    Alerus Financial

  • American Funds

    Mutual funds

  • Vanguard Funds

    Mutual funds

  • Timothy Plan Funds

    Biblically-responsible mutual funds

  • GuideStone Funds

    Biblically-responsible mutual funds

  • Eventide Funds

    Biblically-responsible mutual funds

  • Christian Investors Financial

    Investments, Church Loans, Campaigns & Consulting

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