Faith & Retirement

In this episode, Jay Peroni, CFP explores how retirees can transform decades of savings into dependable income while staying aligned with biblical values.In Segment One, Jay explains that the biggest retirement misconception is equating success with account size rather than income clarity. Retirement is no longer about accumulation — it’s about creating sustainable income. He emphasizes shifting from “how much do I have?” to “how much does it produce?” Through biblical principles like stewardship and counting the cost (Luke 14), Jay encourages intentional income planning.The episode highlights faith-based investing, reminding listeners that financial decisions reflect spiritual convictions. Aligning portfolios with biblical values can bring peace and purpose. Longevity planning is also critical, as 30-year retirements require strategies that address inflation, healthcare, taxes, and volatility.Jay outlines the importance of structured income segmentation — covering essential expenses with stable sources while using diversified investments for lifestyle and growth. Multiple income streams and diversification help protect against market concentration and unexpected disruptions. Holistic planning integrates taxes, healthcare, risk management, and legacy into one coordinated roadmap.Segment Two focuses on execution. Taxes often become retirees’ largest lifetime expense, making strategic withdrawal sequencing essential. Jay explains tactical asset management as a responsive approach that adapts to market conditions, helping reduce emotional decision-making. Healthcare and estate planning are positioned as proactive steps that replace fear with clarity.Ultimately, retirement success is defined not just by wealth, but by peace, purpose, and provision. The episode concludes by inviting listeners to schedule a complimentary Retirement Roadmap consultation at faithandretirement.com or 800-270-7310 to gain clarity, align investments with faith, and build a retirement plan that finishes both financially secure and spiritually faithful.

This week's episode centers on one powerful message: having accounts is not the same as having a plan. Jay Peroni, CFP opens the episode by highlighting how many Americans approach retirement with statements, scattered investments, and rising uncertainty—but little strategic direction. Through relatable stories and real client experiences, Jay explains that retirement success begins with clarity, accountability, and guidance from someone legally and ethically committed to acting in the client’s best interest.A core theme is the importance of fiduciary advice. Jay shares examples of commission-driven recommendations that benefited advisors more than clients, reinforcing why fiduciary standards matter. His personal story about his grandfather’s retirement—initially secure but later strained by inflation, taxes, and healthcare costs—illustrates how retirement risks evolve over time and why proactive planning is essential.The episode also tackles investment discipline, cautioning listeners against chasing stock tips or market hype. Whether discussing concentrated tech exposure, AI-driven market enthusiasm, or cryptocurrency speculation, Jay emphasizes diversification, valuation awareness, and risk management as foundational principles. Similarly, macro forces such as Federal Reserve policy are framed as real-world influences that affect mortgages, savings, and retirement income—not just financial headlines.Beyond markets, the conversation expands into holistic retirement planning. Topics include the role of home equity, housing affordability challenges for younger generations, tax implications of inherited retirement accounts, estate planning conflicts, blended family dynamics, and preparation for serious illness. Each discussion reinforces that retirement planning extends far beyond portfolio returns.The episode concludes with a focus on legacy, protection, and timely action. Precious metals are presented as defensive tools, while crypto is positioned as a limited satellite allocation rather than a core strategy. Ultimately, Jay underscores that the greatest retirement mistake is delay. Faith provides hope—but effective retirement outcomes require intentional planning, trusted guidance, and a coordinated strategy designed to protect both financial security and family harmony.

In this episode, Jay Peroni, CFP tackles what they call the “Retirement Squeeze” — the mounting pressure retirees face from inflation, rising taxes, market volatility, and increasing life expectancy. With a direct, faith-centered tone, they warn that retirement today is no longer a coast — it’s a battlefield.Jay explains longevity risk through real client stories, highlighting how many retirees plan for 15 years but live 25 or 30. Women, in particular, often face retirement alone and unprepared after losing a spouse. The message is clear: both spouses must understand the financial plan.They expose hidden risks inside Target Date Funds and mainstream portfolios, revealing how many Christians unknowingly invest in companies funding causes that contradict their beliefs. Through Faith Investor Services’ Screen & Clean™ process, Jay emphasizes aligning investments with biblical convictions.The episode also covers the silent erosion of purchasing power from a weak dollar, the dangers of mishandling inheritances, the impact of AI on jobs, and how wealthy families use tax strategies, insurance, and charitable planning to protect and multiply wealth. Churches and families alike are encouraged to review what they own and ensure stewardship reflects their faith.In the second half, Jay shares stories of churches shocked to discover conflicting investments, families preserving businesses with strategic insurance planning, and retirees redirecting tax dollars toward ministry instead of government waste. He warns about national debt, bank instability, and delayed long-term care planning.The episode closes with a strong call to action: if you’re within ten years of retirement—or already retired—don’t guess. Get clarity. Visit FaithAndRetirement.com for a free retirement second opinion.

This episode delivers a direct, faith-centered message to retirees who feel pressure from inflation, taxes, market volatility, and cultural shifts. Jay Peroni, CFP explains that many families are under financial strain as rising costs erode purchasing power while traditional retirement strategies fail to address today’s economic realities. He warns that many retirees rely on outdated assumptions about markets, Social Security, and taxes, leaving them vulnerable to sequence-of-returns risk, rising healthcare costs, and Required Minimum Distribution surprises.A major theme of the episode is stewardship and alignment. Jay highlights that many investors unknowingly fund companies and causes that conflict with their values through traditional retirement accounts. He explains Faith Investor Services’ “Screen & Clean” approach, which seeks to align portfolios with biblical principles while focusing on businesses that produce real goods, services, and cash flow.The show also emphasizes that Social Security should be viewed as a supplement—not a full retirement plan—and that taxes often become the largest lifetime expense if not proactively managed. Jay encourages retirees to think beyond simple “set it and forget it” portfolios and instead build comprehensive plans that address income, risk, taxes, values, and legacy.Throughout the episode, listeners are urged to take action: stop assuming their plan is sufficient, discover what they truly own, and seek a professional second opinion. The core message is clear—retirement success requires intentional planning, protected income, and faith-aligned stewardship, not blind trust in Wall Street or government promises.

This episode explores why true retirement planning goes far beyond portfolios and income...it’s about stewardship, intention, and protecting the people and values that matter most!This week, Jay Peroni, CFP, reframes estate planning as an act of love, not just paperwork. Jay explains that without clear direction, through wills, trusts, and beneficiary designations, the state decides for you, often leading to probate delays, unnecessary taxes, and outcomes families never intended.Throughout the episode, Jay breaks down complex topics in plain English, including the purpose of wills, the protective power of trusts, and the practical differences between revocable and irrevocable trusts. He emphasizes that guardianship decisions, tax placement, and beneficiary choices are not minor details, they shape real outcomes for surviving spouses and children.Listeners also learn why beneficiary forms often override wills, how failing to name contingent beneficiaries can undo even the best planning, and how inherited IRAs can create major tax surprises when structured incorrectly. Jay explains “per stirpes” versus “per capita,” highlights the importance of Special Needs Trusts, and shares real client stories that reveal how easily well-meaning families can stumble without coordinated planning.The conversation then turns legacy beyond money. Jay introduces values-based investing through his “Screen & Clean” approach, removing companies that conflict with biblical principles and redirecting capital toward responsible, productive businesses. His message is clear: your portfolio communicates what you stand for, even when you’re not in the room.The episode closes with a powerful reminder that money fades, but stories, letters, and faith-centered traditions endure. As Jay puts it, a lasting legacy doesn’t happen by accident, it happens by design.Now is a great time to review your estate plan, beneficiaries, and investments to ensure everything aligns with your family, faith, and long-term vision. Go to faithandretirement.com today to book your estate review.

In this week’s episode, Jay Peroni, CFP explores the powerful idea of “money in motion"...the financial decisions that arise during life’s major transitions. Retirement, inheritances, job changes, business sales, and the loss of a spouse are moments when money naturally moves, and Jay emphasizes that these transitions can either create long-term peace or lasting stress depending on how intentionally they’re handled.Jay explains that money in motion isn’t about trading or market timing, but about stewardship. Many retirees save diligently yet fail to reassess why their money is where it is. Drawing from Matthew 25, Jay contrasts simple preservation with faithful deployment, reminding listeners that stewardship requires direction, not just accumulation. These moments of transition are opportunities to realign finances with faith, purpose, and the next season of life.The episode highlights three priorities for retirees in 2026: proactive tax planning, intentional generosity, and alignment between values and investments. Jay discusses the often-overlooked $19,000 annual gifting exclusion, showing how thoughtful giving can bless family members, reduce future tax burdens, and bring joy. Faith reframes generosity—not as reckless giving, but as wise and cheerful stewardship.Jay also addresses common retiree concerns, including misleading deficit headlines, rising healthcare costs, and increasing tax complexity. He stresses that hope is not a strategy; preparation is. From Roth conversions and inherited IRA planning to RMD coordination and Qualified Charitable Distributions, Jay underscores the cost of inaction during critical windows.Faith-based investing plays a central role, with Jay explaining the “screen and clean” approach, removing investments that conflict with biblical values and focusing on high-quality, durable companies. The episode closes with a call to intentional planning, encouraging listeners to ensure their money reflects what matters most: faith, family, and legacy.Download Here:

This week's episode focuses on preparing wisely in 2026 by aligning financial planning with biblical stewardship. Jay Peroni, CFP emphasizes that retirement success is not about predicting markets, but about intentional preparation before challenges arrive. Jay explains that most retirement stress stems from missed planning opportunities rather than market crashes, and that true wealth management is about alignment—ensuring money supports one’s faith, family, calling, and peace of mind.For 2026, Jay describes it as a “reset year,” marked by tax changes, permanent income decisions, and narrower margins for error. He stresses that retirement planning shifts from accumulation to coordination—aligning income sources, taxes, investments, risk management, and legacy goals. Even strong savers can lose thousands unnecessarily if these elements are misaligned.Biblically Responsible Investing (BRI) is presented as foundational, not optional. Jay challenges listeners to consider whether their investments reflect their values, noting that peace often follows faith-aligned portfolios. Scripture reinforces the call to steward worldly wealth wisely and intentionally.Common mistakes heading into retirement include confusing familiarity with safety and drifting instead of designing a plan. Jay reframes risk management as foresight, grounded in diversification, downside awareness, and income stability. He affirms that faith-based investing can remain competitive, often favoring durable, ethically run companies with strong fundamentals.In the second segment, the discussion turns to income sustainability, RMDs, charitable strategies like Qualified Charitable Distributions, and legacy planning. Jay highlights that legacy is about more than assets—it’s about passing on values, unity, and purpose. The episode closes with a call to action, encouraging listeners to seek a second opinion and schedule a complimentary, faith-based retirement review to prepare confidently and intentionally for 2026 and beyond.

In this week's episode, Jay Peroni, CFP®, explores what truly makes retirement fulfilling, not just financially stable. The episode reframes retirement as a life design project, rooted in stewardship, purpose, and faith.The first segment focuses on inflation and its quiet but powerful impact on retirees. Jay explains that inflation rarely shows up as a crisis; instead, it erodes lifestyles slowly through higher everyday costs. Even modest inflation can force subtle compromises: fewer trips, less time with family, or postponed dreams. While Social Security cost-of-living adjustments help, Jay reminds listeners that Social Security is a “seatbelt, not the engine.” It provides safety, but it cannot drive a fulfilling retirement on its own.Healthcare inflation receives special attention, as Jay notes that medical costs don’t follow averages, they “ambush” retirees unexpectedly. This reinforces the importance of stress-testing plans early in the year. Jay also challenges outdated advice like “living off the interest,” emphasizing the need for intentionally designed income and multiple aligned strategies. True protection against inflation, he says, comes from clarity, flexibility, and alignment—not a single investment solution.The second segment shifts to habits, health, and purpose. Jay highlights that the biggest divider between happy and unhappy retirees is structured. Without intention, retirees can drift into loneliness, declining health, and dissatisfaction—often misattributed to money. Physical health, community, lifelong learning, and meaningful hobbies are essential pillars of a rich retirement.Faith sits at the center of the conversation. Jay emphasizes that God doesn’t retire His people—He reassigns them. Biblically responsible investing and purpose-driven living bring peace, alignment, and fulfillment. The episode closes with a powerful reminder: Hope is not a retirement strategy—stewardship is. Listeners are encouraged to start the year with a thoughtful retirement checkup and design a life they don’t want to escape from.

Episode 100 of Faith & Retirement marks a milestone moment, pausing to reflect on why faith-aligned investing matters and how it works in real life. Jay Peroni, CFP® is joined by special guests Steve Nelson, CEO of Faith Investor Services, and John Rowley, Co-Portfolio Manager of the Christian Stock Fund (ticker: PRAY).In Segment One, the conversation pulls back the curtain on why PRAY exists. Jay explains that many Christian investors have long felt forced to choose between financial discipline and biblical conviction. PRAY was created to close that gap, combining professional, fundamentals-based portfolio management with clearly defined Christian values. Steve and John share their personal journeys as investors and outline PRAY’s philosophy: a GARP (Growth at a Reasonable Price) approach with a quality bias, global opportunity set, and a long-term mindset designed to help investors stay steady through full market cycles.Jay adds real-world stories from his work with retirees and pre-retirees, emphasizing that faith and discipline are not enemies of performance. In fact, aligning values with investments often removes emotional friction, helping investors stay committed when markets get difficult.Segment Two widens the lens to the broader market environment. The group discusses late-cycle markets, the “Goldilocks economy,” tariffs, inflation, Federal Reserve policy, valuations, and the ongoing evolution of artificial intelligence. Jay frames market volatility through the lens of stewardship, preparation without fear, discipline without panic.Looking ahead to 2026, the episode reinforces a central theme: faith-aligned investing isn’t about prediction or perfection. It’s about understanding what you own, why you own it, and having the confidence to stay invested when it matters most. Listeners are encouraged to seek a second opinion and ensure their portfolios reflect both their long-term goals and their deepest convictions.

In this week's episode, Jay Peroni, CFP helps listeners step back from confusing headlines and focus on wise, faith-filled preparation for 2026. With markets swinging, jobs data sending mixed signals, and retirement approaching for many, the message is clear: retirement confidence doesn’t come from predicting the future, it comes from preparing wisely.Jay explains why economic reports, especially the Jobs Report, matter more as retirement nears. While headlines often sound reassuring, the underlying data can reveal important shifts that affect earnings, interest rates, and portfolio withdrawals. Drawing from Scripture, Jay reminds listeners that faithful stewards are called to “read the signs of the times” without panic or fear.The conversation explores how employment trends influence Federal Reserve policy, interest rates, and market leadership, particularly in late-cycle environments. Jay cautions retirees against chasing momentum during strong market years, emphasizing that retirement is not a scoreboard but a paycheck. Using historical patterns like the Presidential Cycle, he notes that 2026 has historically been a strong market year, but stresses this is a yellow light, not a green light, requiring balance and discipline.In the second half of the episode, Jay focuses on the critical years surrounding retirement, where sequence-of-returns risk can permanently impact income. He explains why consistency, protection, and income planning matter more than ever. Growth alone isn’t enough, retirement requires stability, predictability, and a strategy built to endure volatility.The episode closes with a reminder that money is never morally neutral. Wise planning aligns finances with faith, purpose, and stewardship, so retirees can live with confidence, regardless of market conditions.Listeners seeking clarity heading into 2026 are encouraged to visit faithandretirement.com or call 800-270-7310 for a second-opinion retirement review.

In this week's episode, Jay Peroni, CFP, tackles one of the biggest challenges facing today’s retirees: how to maintain confidence amid market volatility, inflation, tax uncertainty, and nonstop financial noise. Jay explains that retirement investing isn’t about chasing returns, it’s about building a reliable plan that provides predictable income, manages risk, accounts for longevity, and supports generosity no matter what the markets are doing.The conversation explores how volatility affects retirees differently than younger investors, why sequence-of-returns risk can derail retirement income, and how predictable income can dramatically reduce stress and emotional decision-making. Jay also discusses the appropriate role of insurance-based tools, the growing importance of tax and inflation planning, and why many retirees underestimate how long their money must last.In the second segment, the focus shifts from financial confidence to moral and emotional confidence. Jay explains why values matter in investing, how retirees are often unknowingly invested in companies they disagree with, and how Faith Investor Services’ "Screen & Clean" process helps align portfolios with biblical principles without sacrificing discipline or long-term fundamentals. Real-world examples illustrate how corporate values decisions can impact business performance, reinforcing that faith-based investing is not about politics, but stewardship and sound fundamentals.The episode closes by defining what a truly confident retirement looks like: peace of mind, dependable income, investments aligned with personal convictions, and a plan designed to finish life’s race well: financially, emotionally, and spiritually.Key takeaway: Retirement confidence comes from clarity, conviction, and intentional planning—not from reacting to headlines or market fear.

In this week's episode, Jay Peroni, CFP explores one of the most critical seasons many Christian families face today: money in motion. From inheritances and old 401(k) rollovers to pension buyouts, business exits, home sales, and charitable gifts, Jay explains that these transitions are not just financial events, they are spiritual moments that require wisdom, patience, and intentional stewardship.Jay emphasizes a foundational principle drawn from Proverbs 21:5: abundance flows from diligent planning, not haste. When significant wealth moves, the first step should be to slow down, pray, and seek counsel. Emotional or rushed decisions can lead to lost guarantees, unnecessary taxes, or investments that conflict with biblical values. Instead, Jay advocates for clarity through consolidation, careful tax planning, and faith-based investment strategies that align capital with Christian convictions.Throughout the episode, Jay shares real-life stories illustrating how intentional stewardship transforms fear into peace and wealth into ministry. He highlights the importance of avoiding emotional decision-making during grief, using a “stewardship pause” for inheritances, and structuring business-sale proceeds to replace income, manage taxes, and rediscover purpose beyond work.In Segment Two, the conversation broadens to generational stewardship. Jay explains that inheritance planning without discipleship can become a burden, while faith-aligned planning equips heirs with maturity, generosity, and responsibility. Topics such as healthcare and long-term care costs, tax-smart giving strategies, donor-advised funds, and faith-based investing all reinforce a central message: legacy is not just what you leave to your family, but what you leave in them.The episode concludes with a clear call to action: if you have money in motion, now is the time to seek biblical wisdom and professional guidance to ensure your wealth reflects your faith, supports your calling, and builds a lasting Kingdom legacy.

In this week’s episode, Jay Peroni, CFP dives into a powerful theme: building a retirement that is healthy, joyful, purposeful, and financially fit. As Jay reminds listeners, retirement isn’t a finish line, it’s a new starting line. Scripture affirms that “They will still bear fruit in old age” (Psalm 92), and this episode unpacks what it means to thrive in this season.Jay begins by revealing the biggest mistake many retirees make: separating their physical health from their financial health. Staying healthy reduces medical bills, long-term care costs, and medication expenses, while creating more time and energy for family, ministry, and purpose. Jay shares the story of Dave, a client who improved his health and saved over $120,000 over his retirement simply by adopting healthier habits.Long-term care planning is another major theme. With 70% of retirees needing some form of care, Jay outlines practical strategies beyond traditional LTC insurance, such as hybrid life policies, annuities with care benefits, and dedicated investment buckets.Listeners also get an inside look at Jay’s popular Screen & Clean™ process, a values-based review that identifies investments misaligned with biblical principles or hidden financial risks. Jay explains why ethical investing isn’t just spiritual, it reduces litigation risk, improves long-term performance, and brings lasting peace of mind.In the second half of the episode, Tom and Jay explore retirement identity, routines, hobbies, financial stress, entrepreneurship, and true diversification. Jay emphasizes that purpose, structure, and intentional living are essential to emotional and spiritual health in retirement.The episode closes with a clear call to action: schedule a FREE Screen & Clean™ portfolio review at faithandretirement.com or call 800-270-7310 to create a retirement plan that supports your health, honors your values, and strengthens your financial future.

In this Christmas-themed episode of Faith & Retirement, Jay Peroni, CFP explores how believers can use the holiday season to align their finances with their faith while creating meaningful multigenerational impact. Jay opens with Proverbs 13:22 - “A good man leaves an inheritance to his children’s children”, reminding listeners that Christmas is the perfect time to reflect on legacy, generosity, and wise stewardship.Jay explains why biblical screening matters deeply during Christmas, a season that re-centers hearts toward Christ’s ownership of everything. He shares a powerful story of a wealthy client who realized his investments were supporting causes he prayed against, until a biblically aligned portfolio brought both peace and purpose.From newborn grandchildren to teenagers learning generosity, Jay shows how early financial habits shape lifelong stewardship. Stories of grandparents opening investment accounts and children choosing giving over gifts highlight how legacy begins with modeling.Jay then turns to high-net-worth planning: multi-generation compounding, permanent life insurance for tax-efficient wealth transfer, strategic Roth conversions, Donor-Advised Funds that transform family culture, and estate designs that “preach the gospel” long after someone is gone.In segment two, Jay dives deeper into year-end planning. He explains why December is the ideal time for biblical screening, Roth contributions, insurance reviews, charitable planning, and addressing taxes for those ages 50–75. Emotional client stories emphasize that stewardship brings clarity, clarity brings peace, and peace brings wisdom.The episode ends with a strong reminder: Christmas generosity is not just about giving gifts, but about building structures that bless families and advance God’s Kingdom for generations. Listeners are invited to schedule a free Retirement & Legacy Review at FaithAndRetirement.com or call (800) 270-7310.

In this week’s episode, Jay Peroni, CFP tackles one of the most important and overlooked parts of preparing for retirement: asking the right questions before you make the leap.Jay explores Social Security, retirement age, and 401(k) readiness. Jay explains why the traditional age 65 retirement mindset may be outdated, with many retirees now living 25–30 years after leaving the workforce. Using humor and biblical wisdom, he reminds listeners that planning isn’t fear-based...it’s stewardship, citing Psalm 90:12: “Teach us to number our days, that we may gain a heart of wisdom.”Jay breaks down Social Security claiming strategies, comparing age 62, full retirement age, and age 70 benefits. Delaying benefits can provide a 6–8% increase per year - something nearly impossible to duplicate elsewhere. While headlines warn that Social Security could “run out,” Jay stresses that although funding challenges are real, panic is unnecessary, noting Congress has always acted when needed.The episode highlights the Screen & Clean™ process, helping believers invest in alignment with biblical values, choosing mission-driven companies and avoiding those conflicting with Christian convictions.Jay also dives into income gaps, annuities, and retirement taxes. With Social Security covering only 30–40% of income for most retirees, Jay explains how annuities can act as a private pension, providing guaranteed lifetime income and stability: “because markets fluctuate, but bills don’t.” He also warns about inflation and longevity risk, emphasizing modern annuities’ flexibility.The episode closes with practical tax strategies and a reminder that we may be in the lowest tax environment we’ll see for years.Listeners are encouraged to request a free personalized retirement review at FaithAndRetirement.com or by calling (800) 270-7310.

In this powerful episode, Jay Peroni, CFP®, tackles one of the biggest shifts in modern investing: the decline of the traditional 60/40 portfolio. For decades, retirees leaned on a simple formula: 60% stocks for growth, 40% bonds for safety. But as Jay explains, that strategy was built for a world of falling interest rates and low inflation. Today, that world is gone.Jay explores why the 60/40 model no longer works in today’s volatile markets. Jay unpacks the dangers of outdated assumptions, showing how inflation, higher interest rates, and synchronized stock-bond declines have shaken retirees’ confidence. He shares the story of a retired couple whose “safe” portfolio lost 18% in 2022, until they shifted to a Faith-Based Tactical Allocation that provided income stability, inflation protection, and biblical alignment. Jay ties these lessons to Scripture, reminding listeners that wise stewardship means building on the rock, not the sand.Then Jay moves from diagnosis to prescription, introducing Faith-Based Tactical Allocation. Jay describes his “Buckets and Balance” strategy: growth stocks for offense, private pensions for defense, and diversifiers like gold and real assets for hedging. He shares the transformational story of clients who found spiritual peace after aligning their portfolios with their values.Listeners are invited to take action through a free “Screen & Clean” Portfolio Session at FaithAndRetirement.com

In this powerful episode, Jay Peroni, CFP unpacks what it means to invest with both wisdom and conviction. Most investors assume their portfolios are “neutral,” but Jay reveals that many mainstream investments quietly support causes and industries that contradict biblical values. That’s why his message is simple but urgent: before you build wealth, you must Screen and Clean.Jay explains that Biblically Responsible Investing (BRI) is more than avoiding controversial industries, it’s about aligning every financial decision with faith and purpose. He likens it to tending a garden: you remove the weeds so good fruit can grow. Through real-life stories, Jay shows how investors can transform their anxiety into peace by aligning their portfolios with biblical principles.The conversation also explores market concentration risk: the danger of being too dependent on a handful of large companies that dominate the market. Jay contrasts that with the biblical call to build on a firm foundation, creating portfolios that are both clean and diversified.Listeners learn how Faith Investor Services uses advanced screening technology and independent research to track corporate behavior and maintain moral alignment. Jay then introduces practical steps for creating a faith-based plan that balances growth and protection - what he calls offense and defense.Finally, Jay reframes retirement itself: not as an end, but as a new beginning. Faith-based retirement planning is about purpose, not passivity, using every season to serve God and impact the next generation!You can take the next step by visiting FaithAndRetirement.com or calling 800-270-7310 for a free portfolio screening - because your faith matters, and your finances should too.

In this powerful episode of Faith & Retirement, Jay Peroni, CFP®, explores how Christians can remain steadfast investors in a world that feels anything but steady. From the Gaza cease-fire to U.S.–China trade tensions and market pullbacks, Jay reminds listeners that while economies tremble, God’s Kingdom remains unshakable (Hebrews 12:28).Jay explains that at Faith Investor Services, investing begins not with charts or risk scores, but with values. Through their “Screen and Clean” process, portfolios are screened to avoid companies profiting from abortion, pornography, gambling, or exploitation, and instead focus on businesses that bless communities. One client’s story of aligning his money with his mission illustrates how peace replaces pressure when faith leads finance.Listeners learn how to stay purposeful amid fear and volatility by diversifying across “defensive” and “growth” sectors. Jay highlights gold, silver, and clean energy firms like Bloom Energy (BE) as modern defensive holdings, while Taiwan Semiconductor (TSM) and other AI innovators exemplify redemptive growth opportunities that advance human flourishing.The conversation then turns practical with Jay’s “bucket strategy” - short-term, mid-term, and long-term allocations designed to bring order and biblical wisdom to wealth. Listeners are urged to resist panic, seek counsel, and build plans rooted in stewardship rather than speculation.From faith-based global investing to energy independence, from AI ethics to retirement income, Jay offers clarity for those seeking both eternal and earthly returns—what he calls “Kingdom Alpha.” If you’re unsure whether your portfolio aligns with your faith, schedule a free “Screen and Clean” review today at FaithAndRetirement.com or call (800) 270-7310. Because the markets may shake, but your faith, and your finances, can remain unshaken.

In this dynamic episode of Faith & Retirement, Jay Peroni, CFP explores how believers can build retirement plans rooted in faith, wisdom, and forward-thinking strategy. From biblical stewardship to the rise of artificial intelligence, this episode blends timeless financial principles with modern-day insight.Jay begins by defining holistic financial planning—a comprehensive approach that integrates income, taxes, healthcare, estate, and faith-based investing. Through stories like Carol’s, a widow who gained clarity through collaborative planning, and Mike’s portfolio “clean-up” that aligned his investments with biblical values, Jay shows how faith-based strategies lead not just to financial confidence but spiritual peace. He also clarifies the often-misunderstood world of annuities, describing them as “personal pensions” that can create lifetime income security for retirees like Susan, who finally found peace knowing her income was guaranteed.In the second half, Jay examines the future of investing through the lens of stewardship. He unpacks the AI and technology boom, emphasizing discernment—investing in innovation that uplifts humanity rather than promotes anti-biblical agendas. Jay explains why gold remains a wise hedge against volatility and how bitcoin, though volatile, can have a small, strategic place in modern portfolios. Drawing lessons from history—from the Great Depression to the 2008 crisis—Jay reminds listeners that wisdom, diversification, and faith are the best defenses against financial storms.The show closes with a powerful call to action: align your money with your mission. For a free faith-based portfolio review, listeners are invited to call (800) 270-7310 or visit FaithAndRetirement.com. Episode 88 challenges Christians to plan diligently, invest faithfully, and build a legacy that honors God and impacts generations.

Proverbs 21:5 reminds us that “the plans of the diligent lead surely to abundance.” In this episode, Jay Peroni, CFP unpacks one of the most overlooked threats to a retiree’s income—taxes—and reveal how strategic, faith-based planning can help you keep more of what you’ve earned and give more to the causes you love.Jay explains how even Social Security benefits can be taxed—sometimes up to 85%—depending on your overall income. Through the stories of real clients like Rick and Susan, who were blindsided by a sudden tax spike, and Carol, a widow who turned grief into generosity through charitable planning, listeners learn how thoughtful coordination across income sources can turn financial surprises into opportunities for stewardship.The conversation then moves to 401(k)s, IRAs, and Roth accounts, exploring how timing withdrawals, using Roth conversions, and leveraging Qualified Charitable Distributions (QCDs) can dramatically reduce lifetime tax burdens. Jay emphasizes that “retirement isn’t just about growth—it’s about control,” encouraging listeners to diversify across tax buckets and give intentionally.The episode also highlights faith-based investing, with Jay sharing how many retirement accounts unknowingly support anti-biblical agendas. He explains how aligning portfolios with biblical values can bring both moral peace and strong returns, proving you don’t have to compromise convictions for performance. This episode is also a powerful reminder that wise tax planning is part of faithful stewardship—helping you enjoy more, give more, and live confidently in God’s provision.Now is the time to take action! Schedule a free Retirement Tax Review by calling (800) 270-7310 or visiting FaithAndRetirement.com.

In this week's episode, Jay Peroni, CFP®, unpacks how even a small Federal Reserve rate cut can ripple across a retiree’s financial life. While a quarter-point shift may seem minor, it alters borrowing costs, savings yields, bond values, and market confidence—changes that retirees cannot afford to ignore. Jay compares interest rates to a ship’s rudder: small turns create big outcomes over time.For conservative investors relying on CDs and savings accounts, lower rates mean shrinking income streams. Jay recalls a client who once earned $18,000 annually from CDs but now sees less than half that amount. Diversification—across bonds, dividend stocks, annuities, and inflation-protected investments—is key to maintaining income stability. Bonds bring their own paradox: values may rise with falling rates, but reinvested income drops. This tension highlights the importance of viewing bonds within a broader, balanced strategy. Jay also emphasizes the “sequence of returns risk,” where early losses in retirement can devastate portfolios. Tools like cash reserves and guaranteed income help buffer against volatility.The conversation expands to inflation, particularly in healthcare, where rising costs outpace general inflation. Jay underscores the need for growth to offset purchasing power erosion, but always aligned with biblical values. He warns against supporting “woke” companies whose policies undermine both culture and shareholder value, urging faith-driven stewardship instead.Ultimately, retirees need balance—growth, protection, tax-efficient withdrawals, and values alignment. With preparation, they can weather rate shifts and inflation while preserving peace of mind and honoring God. Go to faithandretirement.com today to get your Retirement Readiness Checkup!

In this week's episode of Faith & Retirement, Jay Peroni, CFP dives into one of the most pressing questions for listeners: Are you truly retirement ready? Many people assume their savings and 401(k)s are enough, but Jay explains why a Retirement Readiness Checkup is essential to uncover hidden risks and ensure alignment with both financial goals and biblical values.Jay introduces his “screen and clean” process, likening it to a health screening that uncovers issues investors never realize they have. By filtering out morally compromised companies—such as those tied to abortion, pornography, or gambling—and financially unstable ones, clients not only regain spiritual peace but often see stronger performance. Real-life stories, like a couple who unknowingly held gambling stocks, or a widow who gained $30,000 in additional annual income after her portfolio was restructured, illustrate the impact of active, faith-aligned management.The discussion also covers “orphan accounts”—old 401(k)s left behind at past employers—where high fees and unbiblical investments hide. Jay highlights how consolidating accounts or using in-service rollovers after age 59½ can simplify, reduce costs, and align savings with Christian stewardship.Beyond investments, Jay addresses red flags with advisors, the proper role of annuities, and the five critical areas of a financial MRI: income, investments, taxes, healthcare, and legacy. He reminds listeners that waiting to act is risky, comparing preparedness to Noah building the ark before the rain.Listeners are encouraged to schedule their free Retirement Readiness Checkup at faithandretirement.com, ensuring their finances are managed with clarity, confidence, and Christ at the center.

In this week's episode, Jay Peroni, CFP® unpacks how Christian investors can protect wealth, lower taxes, and leave a Godly legacy in today’s uncertain economy.Jay begins by sharing his personal calling into faith-based financial planning. After witnessing clients pushed into profit-driven products at large firms, he felt led to help families align their wealth with biblical values. He emphasizes that stewardship is about more than returns—it’s about eternal impact.Accessibility and personal connection are central to Jay’s approach. He recalls guiding a widow through financial and emotional challenges, modeling the Good Shepherd by offering not just advice but prayer and relationship.Economic headlines may look rosy, but Jay cautions listeners with Proverbs 27:12: the prudent see danger and take refuge. With $35 trillion in debt and rising risks, biblical stewardship requires diversification, risk management, and tax planning. He highlights client stories like Rick and Susan, who reduced taxes by $20,000 annually, gained lifetime income streams, and expanded their giving.Throughout the episode, Jay contrasts faith-driven strategies with fear-based sales tactics. From Roth conversions and charitable trusts to long-term care planning and biblically responsible portfolios for churches, he shows how intentional stewardship transforms both families and ministries.The conversation ends with a reminder: markets may shift, but God remains our Pilot. For those seeking confidence and peace in retirement, Jay invites listeners to schedule a free, Christ-centered portfolio review at FaithAndRetirement.com.

In this episode, Jay Peroni, CFP unpacks the newly passed Big Beautiful Bill Act, a sweeping tax and estate law signed on July 4, 2025. While complex, Jay explains that the law opens up new planning opportunities for Christian retirees, business owners, and families of wealth.Highlights include:Estate planning: A $15M exemption ($30M for couples) creates a unique window for tax-free wealth transfer.Charitable giving: New limits in 2026 mean acting now can maximize deductions. Donor-advised funds can stretch generosity further.Business owners: Expanded small-business stock exclusions and permanent expensing provisions open doors for tax savings.Investors: Opportunity Zones and tax-efficient strategies can align portfolios with biblical stewardship.In closing, Jay reminds listeners that “policy shifts create planning windows.” Now is the time to act—with wise counsel, biblical principles, and careful planning. He invites listeners to visit faithandretirement.com or call his office for a free portfolio review to ensure their wealth serves both family and Kingdom purposes.

In this episode, Jay Peroni, CFP®, tackles one of the greatest threats to retirement security: fear. Markets rise and fall, inflation chips away at savings, and unexpected crises test even the strongest plans. But Jay reminds us that when our eyes stay fixed on Christ, our finances can remain steady—no matter the storm.Jay explains how behavioral finance shows most people fear loss more than they desire gain, which often leads to poor decisions in market downturns. He shares stories from 2008 of clients who panicked and sold, missing years of recovery, and others who trusted their faith-driven plan and came out stronger than ever.Listeners also learn how inflation acts as a “silent thief,” reducing purchasing power over time, and how strategies like dividend-growth portfolios can provide retirees with a “raise” every year. Jay highlights special challenges for Christian business owners and retirees with most of their wealth tied up in home equity—offering creative, biblical solutions to unlock value and protect legacies.The conversation also covers the role of insurance in protecting wealth, survivor planning for widows and families, and how generosity through charitable trusts or donor-advised funds can multiply Kingdom impact for generations. Finally, Jay outlines how wise stewardship—diversification, cash reserves, and biblically aligned portfolios—helps believers prepare for the next financial storm with confidence.Through Scripture, stories, and practical steps, Jay shows that retirement doesn’t have to be ruled by fear. Instead, it can be a season of faith, freedom, and generosity.Is your retirement plan unshakable? Visit faithandretirement.com today for your free second opinion and discover how faith-based strategies can secure your future.

This episode, Jay Peroni, CFP focuses on the unique financial challenges and opportunities facing affluent Christian families. Jay offers biblically grounded strategies for wealth stewardship. Jay compares inflation to termites—silent but destructive. Even wealthy families feel it, not at the grocery store, but through rising property taxes, travel costs, and tuition. To combat this, Jay emphasizes inflation-resistant planning: private pensions, dividend-growth portfolios, and diversification with assets like gold and bitcoin. The mission: ensure lifelong income, minimize taxes, and preserve generosity.A weakening U.S. dollar also impacts affluent families, raising international costs while benefiting exporters. Jay explains how global diversification serves as a financial shock absorber, ensuring currency swings don’t derail Kingdom impact.Many wealthy individuals attempt to self-manage wealth but underestimate complexity. Jay shares examples of clients losing hundreds of thousands annually in unnecessary taxes or leaving heirs exposed through poor estate planning. A coordinated approach—investments, taxes, giving, and family governance—requires an expert team.Jay also highlights the importance of “opportunity capital” for large expenses or generosity goals, as well as proactive business succession planning to maximize value and align proceeds with faith-based portfolios and charitable giving.In Segment 2, Jay discusses annuities as a tool for lifetime income stability, estate planning pitfalls that can fracture families, and how interest-rate changes create both risks and opportunities. He urges clients to see volatility not as fear, but as opportunity when anchored in a biblical plan.Finally, Jay underscores the role of charitable trusts and donor-advised funds in sustaining long-term generosity. The call to action: high-net-worth Christians should seek a free second opinion at FaithAndRetirement.com to ensure their wealth reflects both wisdom and Kingdom purpose.

In this week's episode, Jay Peroni, CFP and special guest Mark Riefer, Portfolio Manager of the FIS Bright Portfolios Focused Equity ETF (ticker: BRIF) explore how Christians can align their investments with biblical values without sacrificing performance.Mark introduces Bright Portfolios’ proprietary “3 Ps Moral Audit” system—Process, Products, and Priorities—which screens companies based on how they operate, what they produce, and how they use their profits. Products are given the most weight because they reflect a company’s core mission and value to society.Jay emphasizes the spiritual responsibility of investing. Citing Matthew 6:21—“Where your treasure is, there your heart will be also”—he explains that investing is not neutral. Investors profit directly from a company’s practices, whether righteous or harmful. Jay shares a powerful client story about a couple who were shocked to find their retirement accounts supported abortion and trafficking-related businesses. After switching to a biblically responsible portfolio, they found peace knowing their money aligned with their faith.Addressing common objections, both Jay and Mark explain that faith-based investing does not mean compromising returns or diversification. In fact, companies with strong ethics often have better long-term performance.Whether you're unsure what your portfolio supports or you’ve been thinking about aligning your money with your values, this episode provides a clear next step. Jay offers free ethical portfolio screenings and consultations at faithandretirement.com.Your money is working—but for what? Visit faithandretirement.com to schedule your free portfolio review and discover how faith-aligned investing can create both impact and peace of mind.

Faithful Finances: Aligning Your Wealth with God’s PurposesIn this episode, Jay Peroni, CFP, tackles how Christian investors can ensure their money aligns with their faith. Jay explains how many unknowingly invest in companies tied to abortion, pornography, or human rights violations through mutual funds and ETFs. He shares stories of clients who realigned their portfolios, experienced peace, and often improved performance by avoiding ethically compromised companies.The episode also covers building reliable retirement income beyond Social Security, using “private pensions,” charitable trusts, and other tax-smart strategies. Jay addresses inflation, a weakening dollar, and the importance of diversification with assets like gold, silver, commodities, and international investments. Listeners hear real-life examples of families caring for aging parents, helping children with housing, and overcoming fear-driven investment decisions.Aligning your finances with biblical values doesn’t mean sacrificing growth. With planning and wise stewardship, you can protect your wealth, create lasting legacy, and experience peace of mind. Schedule your free, confidential second opinion at FaithAndRetirement.com today.

As 2025 hits the halfway mark, many Christian families are asking: Is my financial plan still working? In this episode, Jay Peroni, CFP® reveals why so many investors are seeking a second opinion—especially those who want their faith and finances to align.Jay shares stories of people shocked to discover their 401(k)s and IRAs were funding causes they morally oppose—like abortion providers and anti-biblical agendas. He explains how in-service withdrawals, biblically responsible screening, and personalized income strategies are helping believers reclaim their peace of mind and realign their portfolios with God’s calling.You’ll hear how falling bond yields, inflation that’s hitting home harder than the headlines admit, and a weakening U.S. dollar are creating urgency for smart, values-based diversification—using tools like gold, silver, dividend stocks, and even digital assets. It’s not about hype. It’s about stewardship.Jay also shares how he helps clients simplify their investments, protect their legacy, and invest redemptively—not just avoiding what’s wrong, but promoting what’s good and godly.Don’t let your money work against your values.If you’ve never had your portfolio reviewed through a biblical lens—or you’re unsure whether your current plan can stand the test of inflation, market shifts, or spiritual integrity—now is the time. Schedule your free second opinion today at FaithAndRetirement.com.Your convictions matter. So should your financial plan.

In this powerful episode of Faith & Retirement, Jay Peroni, CFP and special guest Robin John, CEO of Eventide Asset Management and author of The Good Investor explore how Christian investors can harness their wealth to not only grow assets—but to love their neighbor, fight injustice, and reflect their faith through investing.The show opens with a provocative question: What if your money could do more than fund retirement—what if it could heal the world?Jay reflects on meeting Robin back in 2008 before Eventide had launched and how their shared passion for biblically responsible investing created a bond. Robin shares the inspiration behind his book, emphasizing that investing is not just about profits—it’s about stewardship, joy, and aligning capital with Christian values.The conversation dives into real-life examples of investors finding peace by moving their portfolios from companies that contradict their beliefs into ones that promote life, dignity, and justice. Robin challenges listeners to rethink investing as ownership, not just transactions—because what we own, we are morally connected to.The second segment explores investing as an extension of one’s calling. Robin recounts a life-changing moment in India that led him to reimagine business as a tool for justice. Jay explains how that same idea translates into client portfolios—helping believers match their values with their investments.Listeners hear a poignant story of a client unknowingly supporting industries she opposed and the emotional transformation that occurred when her money began reflecting her mission. Robin warns that over 60% of Americans are investors, but most have no clue what they own—and that must change.Key Takeaways:Investing is not morally neutral—it directs capital and impacts lives.Biblical stewardship involves aligning your investments with your faith and values.Retirement portfolios can serve a higher purpose—fighting injustice, healing communities, and honoring God.Joy, not greed, should be at the heart of investing.If you're unsure what your money is supporting, visit faithandretirement.com to schedule a free portfolio review with Jay Peroni, CFP®. Discover how to align your faith, your capital, and your calling—because your retirement should reflect your mission.

In this powerful and heartfelt episode, Jay Peroni, CFP®, unpacks what it means to retire with biblical conviction, wise stewardship, and purpose-driven impact. He shares inspiring client stories—including a couple who discovered their investments were funding anti-biblical causes and shifted to biblically responsible investing, leading to transformational generosity and legacy-building.Jay emphasizes how aligning your financial plan with your faith can bring clarity, peace, and purpose—especially in a volatile world. He dives into the Biblical Bucket Strategy, rebalancing principles, and the importance of preparing while times are good, like Joseph storing grain before the famine.In the second half, Jay tackles tax myths in retirement, showing how strategic moves like donor-advised funds and Roth conversions can dramatically reduce tax burdens while maximizing Kingdom impact. He also discusses diversification with precious metals, crypto, and international investments to protect portfolios from inflation and currency risk.Throughout, Jay reminds listeners that faith-based investing is easier and more powerful than ever—and that your portfolio should reflect not only your financial goals but your spiritual values.Visit FaithAndRetirement.com for a free portfolio screening and retirement review to ensure your investments align with your faith, calling, and eternal purpose.

In this patriotic and practical episode, Jay Peroni, CFP® explores how true freedom isn’t just about fireworks and flag-waving—it’s about financial independence rooted in biblical stewardship. From inflation-proof income strategies to long-term care planning, Jay lays out how retirees can use their freedom not for comfort, but for calling (Galatians 5:13).Jay also tackles critical issues like interest rates, caregiver retirement challenges, assisted living planning, and unlocking home equity for God-honoring purposes. Jay shares how biblically responsible investing goes beyond avoiding bad companies—it's about supporting those advancing Kingdom impact.In the second half, Jay discusses how to avoid scams, the power of financial discipleship in the Church, and tools like donor-advised funds and business succession plans. Jay emphasizes the importance of working with fiduciaries and surrounding yourself with a faith-aligned team.If you’re seeking clarity on retirement income, giving, or aligning your portfolio with your beliefs, download Jay’s free book or schedule your no-pressure consultation today at FaithAndRetirement.com.

In Episode 73 of Faith & Retirement, Jay Peroni, CFP®, tackles the urgent question: How do Christian retirees navigate global uncertainty with biblical clarity?Jay opens by responding to escalating tensions in the Middle East, emphasizing that while markets may shake, believers can anchor their financial strategies in faith and wisdom. Proverbs 27:12 reminds us to prepare for danger—not panic. That’s why Jay’s firm focuses on biblically aligned, risk-aware portfolios.This episode dives into deep, personal territory—Jay shares how clients often bring not just their financial concerns, but their spiritual struggles. From praying with widows to helping business owners honor God, Jay shows that money is mission.Listeners also hear practical tips on preparing for cognitive decline, avoiding tax pitfalls, and using new tools like inflation-protected annuities and faith-based ETFs. Jay also cautions against trendy investments like options trading, while endorsing faith-aligned REITs for income without landlord stress.In Segment 2, Jay calls out moral blind spots in many traditional portfolios and offers real solutions through biblically responsible investing. He also highlights the unique financial needs of women and younger generations, and offers a clear roadmap for navigating inflation.Schedule a free, faith-based portfolio review at FaithAndRetirement.com to see if your investments align with their values, performance goals, and God-honoring stewardship.

In this episode, Jay shares his personal experience of relocating from Tennessee to South Carolina—and how moving parallels retirement: it’s physical, emotional, and deeply financial. From skyrocketing moving costs to home appreciation strategies, Jay explains how to transition wisely and steward every financial change with purpose.We also unpack the current global tensions, market volatility, and the importance of faith-driven financial flexibility. Jay shares why working with a fiduciary matters, how early (or late) you should start planning, and what financial tools excite him most right now—from biblically responsible investments to income-producing annuities.You’ll also hear real-life success stories, spiritual insights, and practical ways to align your finances with your faith.If you’re facing a life transition or simply want a second opinion, visit FaithAndRetirement.com to schedule a free consultation with Jay.

In this powerful episode, Jay Peroni explains how biblically responsible investing helps Christians avoid supporting causes like abortion, pornography, and anti-Christian activism—while still pursuing competitive returns. Jay breaks down the "clean screening" process, challenges the myth that only the Magnificent Seven deliver returns, and celebrates the growing awareness of faith-based investing, recently spotlighted on Fox Business.In the second segment, Jay shares strategies for building lifelong income, from annuities to dividend stocks to structured portfolios. He encourages listeners to start early, steward faithfully, and think generationally highlighting legacy planning, the Christian Stock Fund (PRAY), and other faith-first services offered by Faith Investor Services.With transparency, wisdom, and heart, Jay reminds listeners that stewardship isn’t just financial—it’s spiritual. And it begins with a simple conversation. Ready to align your money with your values? Schedule your free Retirement Income Review at FaithandRetirement.com

On this special Father’s Day edition of Faith & Retirement, Jay Peroni, CFP dives into the powerful themes of fatherhood, legacy, and faith-driven financial planning.In Segment 1, Jay reflects on the biblical call to leave an inheritance—both spiritual and financial—for future generations. Jay explains how Christian families can simplify legacy planning, avoid common financial missteps, and build faith-aligned portfolios using clean investment strategies that reflect their values.In Segment 2, the conversation shifts to longevity and how today’s retirees can prepare for longer lives, unexpected healthcare needs, and uncertain economic environments. Jay offers practical, biblically rooted strategies to secure lifetime income, fund long-term care, and stay financially confident regardless of market headlines.Whether you're a father, a grandparent, or simply someone who wants to build a meaningful legacy, this episode is packed with wisdom and action steps.Want to leave a legacy that honors God and blesses your family? Book your FREE 15-minute consultation at FaithAndRetirement.com and discover how clean investing and biblical stewardship can shape generations.

In this episode of Faith & Retirement, hosts Tom Levine and Certified Financial Planner Jay Peroni unpack how today’s news and timeless biblical principles shape smart investing.In this episode, Jay Peroni, CFP discusses why gold remains a strategic hedge despite flashy science headlines turning lead into gold for a split second. Jay shares how Faith Investor Services blends gold with a balanced portfolio to weather any market “season,” while cautioning against headline-driven investing. He also dives into the ripple effects of Fed interest rate cuts on retirees, and how tax-savvy planning can stop the slow leak of unnecessary taxes from your wealth.Jay also explores how global events impact even U.S.-based retirements and how to get advice that is rooted in biblical stewardship. Jay highlights the difference between slick dinner seminars and genuine financial clarity. He shares his personal calling to guide Christian families toward wise, biblically aligned stewardship. The show closes with a reflection on James 4 and the importance of holding financial plans humbly, always seeking God’s will first.You can schedule a free “Tax Efficiency Review,” “Screen & Clean” investment check-up, or a full “Biblical Investment Review” at faithandretirement.com.

In this episode of Faith & Retirement, Jay Peroni, CFP, dives into the real-life challenges and surprises retirees face. Jay explains why a million dollars isn’t always the finish line—it’s how efficiently that money works for you that really matters. From tax-efficient strategies and leveraging home equity to building bulletproof plans that can handle inflation and healthcare costs, Jay shares practical advice for retirees at every stage.Jay also tackles the emotional side of retirement, highlighting the “what now?” moments that often follow the initial excitement. Jay’s tips on the bucket strategy, spousal retirement mismatches, and safe withdrawal rates offer clear paths to create purpose and peace in retirement. Plus, he shares personal stories and real-life examples, including how he helped a couple turn a seemingly average retirement into a confident and fulfilling one.Listeners also learn why stress-testing your retirement plan is crucial, how to prepare for long-term care, and whether annuities can be a reliable anchor. Whether you’re just starting out, already retired, or feeling unsure about your plan, Jay’s faith-based, biblically aligned insights help you move forward with clarity, confidence, and stewardship.

Jay breaks down today’s economic headlines—from job growth and cooling inflation to global debt and geopolitical risks—and what they mean for your faith-driven retirement plan.Topics include:The importance of diversified, biblically responsible portfoliosWhether to withhold taxes on Social SecurityWhy index funds may compromise Christian valuesThe role of gold, silver, and tactical investing in volatile marketsSmart strategies for charitable giving (QCDs, donor-advised funds, and gift annuities)Why going it alone could cost more than you thinkFree consultation available at faithandretirement.com Plan with purpose. Invest with faith.

In this power-packed episode of Faith & Retirement, Jay Peroni, CFP explores some of the most important—and most misunderstood—topics in retirement planning from a Christian perspective.Jay breaks down the bucket strategy for retirement income, explaining how combining Social Security, private pension income, and biblically responsible investing can provide peace of mind and spiritual alignment. The conversation digs deep into common misconceptions, especially the myth that younger Christians have plenty of time to start planning. Jay stresses the importance of aligning finances with faith early and often.In the second half, they tackle global instability, political risks, and active portfolio management, sharing how Faith Investor Services navigates uncertainty without compromising biblical values. From screening out “dirty” investments to preparing for Social Security cuts and long-term care needs, this episode equips listeners with practical strategies and eternal perspective.“The plans of the diligent lead to profit.” – Proverbs 21:5If you’re within 5 years of retirement—or just want a second opinion—visit FaithAndRetirement.com to schedule your free Retirement Readiness Review.

In this powerful episode of Faith & Retirement, Jay Peroni, CFP® unpacks how Christian families can build a tax-smart, impact-driven retirement without compromising their values.Jay highlights practical ways to reduce taxes in retirement using Roth IRAs, charitable giving strategies, and state-specific tax planning. He warns listeners about the hidden dangers in many mainstream investments — including exposure to abortion, pornography, and anti-Christian regimes — and offers a free Faith-Based Investment Screening to help you align your portfolio with biblical values.You’ll also discover:Why the Roth IRA is a “no-brainer” legacy tool for believersHow to avoid funding ungodly causes through your retirement planA three-part strategy to build a “retirement house” on the Rock (Matthew 7)The hidden risks of Social Security timing — and how to avoid themWhy today's stewardship requires wise counsel, not just traditionHow working with a fiduciary CFP® could add up to 3% annually to your retirement returnsPlus, Jay addresses how global market volatility, inflation, and tariff concerns in 2025 affect faith-driven investors — and how to stay anchored in God’s wisdom through it all.Get your free resources — including an Ethical Investment Review, Roth IRA Strategy Session, and Jay’s eBook “7 Ways to Make Sure Your Money Lines Up With Your Faith” at faithandretirement.com

In this powerful episode, Jay Peroni, CFP, explores how Christian business owners and professionals can retire with purpose. If you're within 3–5 years of selling your business or stepping away from your career, this conversation is for you.Key Takeaways:Retirement is a calling, not a finish line. Jay shares how business owners can transition not just financially, but spiritually and missionally.Biggest mistake? Focusing only on money, not mission. Jay encourages planning for Kingdom impact, not just personal gain.5 crucial questions every business owner should ask before retiring—from valuation and taxes to discerning God’s next calling.Strategic tools: Biblically responsible investing, Donor-Advised Funds, charitable giving, and Retirement Analyzer software to align money with mission.Real-life story: Hear how one client turned a business exit into a legacy of generosity and purpose—saving six figures in taxes and funding ministry efforts.Final word: The business may have been yours, but the impact can be God’s.Listen now and discover how to exit with eternal impact. Book your free consultation at FaithAndRetirement.com or call 800-270-7310.

In this week's episode, Jay Peroni, CFP, invites listeners to rethink retirement—not just as a season of rest, but as a chance to live with renewed purpose and deeper impact. Jay unpacks how Christians can align their financial decisions with biblical principles, especially in today’s uncertain economy. From navigating inflation and volatile markets to building a retirement plan that prioritizes generosity, stewardship, and Kingdom values, this episode is full of wisdom and encouragement.Jay shares how Faith Investor Services helps believers invest faithfully by avoiding companies that contradict biblical teachings and supporting ones that promote dignity, creation care, and ethical practices. He also emphasizes that our finances should be guided by faith, not fear—even as gold prices spike and market anxiety rises.You’ll hear real-life success stories of clients who transitioned from worldly financial advice to biblically based strategies—and found peace and confidence in the process. Plus, Jay offers practical tools like their Retirement Analyzer and a free downloadable e-book to help you start planning wisely, living generously, and retiring with intention.Whether you’re nearing retirement or just beginning to think about it, this episode is a powerful reminder that financial freedom isn’t the end goal—faithful stewardship is.If today’s episode stirred something in you, don’t wait. Jay and the team at Faith Investor Services are here to help—with a free, no-obligation consultation grounded in biblical truth and real financial insight. Visit faithandretirement.com or call (800) 270-7310 to schedule your free session. Retirement is more than just the next chapter—it’s a calling. Let’s walk into it with purpose, faith, and wise! financial planning!

In this week's episode, Jay Peroni, CFP unpacks recent financial market jitters and share why staying the course is key, especially when your goals or life circumstances shift and Jay covers why you should make sure your portfolio matches your faith and values. Special guest Bob Lotich of SeedTime.com shares his inspiring journey from debt to financial freedom through Biblical principles. By 31, he was mortgage-free; by 40, he had given away $1M. He breaks down the heart behind his book Simple Money, Rich Life and how faith-driven generosity transformed his life. On this episode, we dive into biblically based money strategies, how Bob paid off his house in 3 years, the power of radical generosity, and how to align your finances with faith! Don't miss this exciting episode!Get a free faith-based portfolio review at FaithAndRetirement.com

In this week's episode, Jay Peroni, CFP dives into the current economic landscape of 2025, which has seen significant market volatility and uncertainty. The first quarter marked the worst performance for U.S. stocks since 2022, with over $5 trillion in losses. Despite inflation easing, job creation slowed, and concerns over potential recession persist. With the Federal Reserve cautious about cutting interest rates and tariffs on the horizon, investors are feeling uneasy.Jay also discusses how fear often accompanies financial downturns but how shifting from fear to faith can bring peace. By trusting in God’s provision and making wise, well-planned decisions, we can navigate these uncertain times. Biblical principles such as trusting in God over wealth, being diligent in planning, and avoiding fear-driven decisions provide a solid foundation for wise financial choices.For those nearing retirement, Jay explores strategies like annuities that offer security against market downturns, and he shares a real-life testimony of someone who experienced God’s faithfulness during financial hardship. Whether facing market corrections or job loss, it’s crucial to stay grounded in faith and take proactive steps to secure your financial future.Remember, peace comes from aligning your actions with God’s promises, and we're here to help you build a financial strategy that reflects your Christian values. Tune in for practical advice and spiritual encouragement to navigate these turbulent times. Tune in to this week's timely episode and go to faithandretirement.com to schedule your free strategy session.

On this episode of Faith & Retirement with Jay Peroni, host Jay Peroni, CFP, is joined by financial stewardship expert David Bennett to explore creative ways to support churches and ministries beyond traditional cash donations.They discuss:• Alternative Giving Strategies – Using required minimum distributions (RMDs), appreciated stock, and in-kind donations to maximize tax savings while supporting ministry work.• Donor-Advised Funds (DAFs) – How these charitable vehicles allow individuals to contribute assets, receive tax deductions, and distribute grants to churches over time.• Volunteering & Skills-Based Contributions – The importance of giving time, expertise, and resources to support church missions.• Estate & Legacy Planning – Common mistakes Christians make and solutions to ensure wealth is stewarded effectively for kingdom impact.Jay and Dave also share how listeners can get more information on faith-based financial planning. Tune in to this exciting episode and check out faithandretirement.com.

In this week's episode, Jay Peroni, CFP, shares insights into key financial topics, offering advice rooted in Christian values and practical strategies for investors. He discusses the importance of ethical investing, highlighting concerns that many Christian clients have, such as screening out investments tied to abortion, pornography, tobacco, weapons, gambling, and human rights violations, aiming to align investments with their faith-based values.Jay also explains the concept of stock market corrections, reassuring listeners that these dips are a natural part of the market cycle, not necessarily a sign of trouble for 2025. He emphasizes that staying calm, diversified, and focused on long-term goals is the key to weathering market volatility. He further explores how his team at Faith Investor Services helps clients navigate through challenging market conditions by promoting diversification across various assets, ensuring portfolios are balanced to reduce risk.When discussing long-term planning, Jay reflects on the importance of having a biblically based financial plan that adapts through market ups and downs. He advises on staying grounded in faith, managing risks, and preparing for life's financial challenges, like retirement. Jay also touches on the unique considerations for government workers nearing retirement, highlighting differences in benefits such as pensions, healthcare, and the TSP, and how careful planning can maximize those benefits.Additionally, Jay addresses the role of "luck" in wealth accumulation, asserting that it's not about chance but about preparation, strategy, and sound financial decisions. Finally, Jay clarifies common misconceptions about Social Security and taxes, explaining the income thresholds that determine how much of your Social Security benefits are taxable and advising listeners to seek professional help for personalized tax planning.For more insights, visit faithandretirement.com or call (800) 270-7310 for a free portfolio screening session.

In this episode, Jay Peroni, CFP, welcomes Dr. Shane Enete, an expert in finance and a professor at Biola University. Jay discusses Dr. Enete's latest book, Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy, which provides practical insights into financial stewardship through a biblical lens.The conversation dives into biblically responsible investing, helping listeners understand how to evaluate their investments based on Christian values, avoiding support for industries that conflict with biblical teachings, like abortion and pornography. Listeners are encouraged to visit faithandretirement.com for a free portfolio screening.Dr. Enete also introduces the concept of money personalities, exploring how each of us has a unique way of relating to finances that might be shaped by both nature and nurture. He explains the different money personalities, how they can evolve, and the importance of recognizing them to grow in our relationship with God through our finances. The episode wraps up with practical advice on how to become more aware of our money personalities and how we can help others align their financial practices with biblical teachings.

In this episode, Jay Peroni, CFP, delves into critical financial topics impacting investors today. He begins with a look at President Trump’s economic policies, discussing their potential to reshape sectors like energy, defense, and manufacturing. Jay then explores current investment concerns, such as inflation, interest rates, and the rise of AI, while stressing the importance of faith-driven investing.Next, Jay emphasizes the need for proactive retirement planning, including strategies for maximizing 401(k) contributions and incorporating ethical investing practices. He also discusses the benefits of Roth IRA conversions for reducing future taxes, particularly using bonus annuities. In addressing investment risks, Jay advocates for a balanced approach, highlighting the importance of diversification and avoiding panic selling during market downturns.Drawing from 30 years of experience, Jay reflects on how liquidity drives stock market movements, not just economic news. He advises investors to focus on long-term strategies and manage risk with a diversified portfolio. With practical advice for both seasoned and new investors, Jay helps listeners navigate today’s complex financial landscape.

In this special episode of Faith & Retirement, hosts Tom Levine & Jay Peroni, CFP sit down with Sara LaClair and Steve Nelson, portfolio managers of the FIS Christian Stock Fund (PRAY ETF), which trades on the New York Stock Exchange. With the fund celebrating its three-year anniversary, they dig into what makes PRAY unique, focusing on its commitment to Christian principles, such as avoiding investments in companies that support abortion or alcohol.The conversation explores the benefits of the ETF, including its tax advantages, low-cost structure, and its actively managed nature, offering flexibility to navigate risk while aiming for strong returns. Financial advisor Jay shares how he incorporates PRAY into his clients' portfolios, especially for families seeking an ethical, faith-driven investment strategy.Sara and Steve discuss valuable lessons they've learned from managing the fund, including the importance of long-term, steady wealth accumulation as emphasized in Proverbs 13:11. They also talk about recent buys and sells within the fund, including AEP and Dexcom, shedding light on their decision-making process.With a discussion on the current stock market trends and potential risks, the team gives insights into navigating today's "Roaring 20’s" environment and shares tips on managing stock exposure. They also touch on how clients of FIS are contributing to building the kingdom of God. Join us for an enlightening discussion on aligning faith with investing and the exciting future of the PRAY ETF!