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 portfolios
• Whether to withhold taxes on Social Security
• Why index funds may compromise Christian values
• The role of gold, silver, and tactical investing in volatile markets
• Smart strategies for charitable giving (QCDs, donor-advised funds, and gift annuities)
• Why going it alone could cost more than you think

Free 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 21:5

If 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 believers
• How to avoid funding ungodly causes through your retirement plan
• A three-part strategy to build a “retirement house” on the Rock (Matthew 7)
• The hidden risks of Social Security timing — and how to avoid them
• Why today's stewardship requires wise counsel, not just tradition
• How working with a fiduciary CFP® could add up to 3% annually to your retirement returns

Plus, 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.