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 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 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.