Faith & Retirement

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.

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.