Guided Payroll is coming. Are you ready?

To avoid any interruption in submitting your retirement contributions, please complete the required Guided Payroll tasks before December 15, 2022.

Thank you for partnering with CBF Church Benefits Board (CBB) to offer your employees 403(b)9 retirement benefits. Empower is always at the forefront of offering the best account security and compliance procedures in our industry. It is with their guidance and recommendation, as of January 1, 2023, contributions will be sent from our employers directly to individual employee accounts using Empower’s Guided Payroll Process (GPP).

The Guided Payroll Process will provide our administrators with more flexibility to manage employee Empower accounts including the ability to update employee addresses, phone numbers, salary, etc. on a timely basis. In addition, it will allow administrators to send contributions directly to employee accounts at Empower, meeting important compliance guidelines.

We understand this is going to be a significant change to how you are used to sending contributions. We are committed to making this as seamless a transition as possible. We are excited to introduce you to our new Client Service Manager, Deborah Garrard, who will be your direct contact for navigating this improved process. Deborah will be available for you to schedule a one-on-one session to begin the necessary training and implementation throughout October through December.

Important steps for our administrators:


1. Review and approve Church Benefits Board Plan Document

If you have any questions about how to complete the Adoption Plan Agreement Form, please contact Deborah Garrard prior to submitting the form.


2. Watch the instructional video


3. Schedule your initial training session


Deborah Garrard, Client Services Manager

Deborah Garrard graduated from Mercer University with a degree in religion and vocal performance. Following graduation, she spent two years overseas serving as Youth Minister at The International Baptist Church of Aberdeen, Scotland. Returning to the states, Deborah attended seminary during which time she served as Children’s Minister at The First Chinese Southern Baptist Church of San Francisco. 

The daughter of a minister, Deborah understands the pleasures and pressures of church life and service. She believes a life of faith is a life of service, and she looks forward to serving with the Church Benefits Board.

If you have any questions, contact Deborah via email or phone at 404.232.0442.