“Some people think that true spirituality is so mystical that we really do not need the church with its creeds and confessions, and its forms of worship, so long as we follow what God says to our hearts. A personal relationship with the Lord trumps everything else, even the plain teaching of the Bible. Other people put so much stock in the sacraments that they think receiving baptism, attending church, and taking the Lord’s Supper virtually guarantees their salvation unless they do something really bad. Reformed Christianity, in contrast to these extremes, does not separate the life of the visible church and the invisible work of the Spirit, but emphasizes both as crucial to knowing and pleasing God.”
Joel Beeke, http://www.reformation21.org/confession/2013/07/chapter-253.php