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...

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,...

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 p...

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 He warns that many retirees rely on outdated assumptions a...

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, ofte...

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 intentional...

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 slowl...

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...

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...

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...

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...

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 stewardshi...

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...

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, generos...

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 hu...

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 mo...

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 Bib...

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, investi...

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 inte...

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%—de...

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. Fo...

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...

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...

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 trans...

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...