Access Your Financial Tools


A map to start your journey

We are all stewards of the gifts God has entrusted to us. But while we’re on our financial journeys, there are obstacles and temptations at every turn. Managing your money isn’t always easy, but you have financial benefits and planning tools to help!

Remember - You don't need to do it alone. No matter where you are in the planning process, our Financial Educators are here to help.

Day to day finances

Before you can take the first steps on your journey, you’ll want to understand your current financial situation. Your day to day finances play a big part in determining where you are now and how to get where you want to go.

Everyday finances


Designating your beneficiaries will help protect your loved ones. Review the Beneficiary Checklist for helpful information on selecting your beneficiaries, then log in to the Member Portal to designate or update your beneficiaries.


Check out your financial planning tools

If you’re ready to start taking action to improve your finances, explore the Financial Planning Tools available to you or use the Financial Navigator to help determine the right resource for you. You’re sure to find what you need for your next steps.


Retirement Planning

A big part of your financial future is planning for your retirement. While saving is an important part of planning, there’s a lot more to consider. Our Retirement Planning Guide will help walk you through important things to consider.

As you approach retirement, we’re here to help! If retirement is five or fewer years away, Ready to Retire will explain the process of when and how to initiate your retirement benefits.


Help planning for medical expenses

Personal spending accounts can help you manage and budget for medical expenses. Health Savings Accounts (HSAs) can also help you save for medical expenses during retirement, as the money you save in your HSA account accumulates each year.


BeFine™ budgeting tool

Whether you’re trying to pay down debt, create an emergency fund or save for the future, BeFine can help. Designed for LCMS workers, BeFine can help you see a fuller financial picture so you can take action to reach your goals.


Remember – you can log in to your Member Portal to view your financial benefits and access these additional resources:

  • Use Vision to help determine if you’re saving enough for retirement and what adjustments to make to your retirement plan to meet your goals.
  • Review your Personal Statement of Benefits that shows your individual projected benefits.
  • Model your retirement with Retirement Connection, an in-depth retirement planning tool.