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.

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.