Faith & Retirement

Faith Investor Services
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Is your faith important to you? Have you ever wondered how to align your financial decisions with your values? In Faith & Retirement, we explore how to invest in a way that reflects your beliefs, principles, and life mission. Join Jay Peroni, CFP®️ as he dives into strategies, stories, and expert insights that help you invest with both purpose and conviction. Whether you're new to investing or a seasoned professional, this podcast will guide you through aligning your portfolio with your faith. Let’s invest in what truly matters—together.

  1. “Money in Motion - Navigating Life’s Financial Transitions with Faith"

    JAN 28

    “Money in Motion - Navigating Life’s Financial Transitions with Faith"

    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 intentionally they’re handled. Jay explains that money in motion isn’t about trading or market timing, but about stewardship. Many retirees save diligently yet fail to reassess why their money is where it is. Drawing from Matthew 25, Jay contrasts simple preservation with faithful deployment, reminding listeners that stewardship requires direction, not just accumulation. These moments of transition are opportunities to realign finances with faith, purpose, and the next season of life. The episode highlights three priorities for retirees in 2026: proactive tax planning, intentional generosity, and alignment between values and investments. Jay discusses the often-overlooked $19,000 annual gifting exclusion, showing how thoughtful giving can bless family members, reduce future tax burdens, and bring joy. Faith reframes generosity—not as reckless giving, but as wise and cheerful stewardship. Jay also addresses common retiree concerns, including misleading deficit headlines, rising healthcare costs, and increasing tax complexity. He stresses that hope is not a strategy; preparation is. From Roth conversions and inherited IRA planning to RMD coordination and Qualified Charitable Distributions, Jay underscores the cost of inaction during critical windows. Faith-based investing plays a central role, with Jay explaining the “screen and clean” approach, removing investments that conflict with biblical values and focusing on high-quality, durable companies. The episode closes with a call to intentional planning, encouraging listeners to ensure their money reflects what matters most: faith, family, and legacy. Download Here:

    26 min
  2. Episode 102: Money with a Mission - Adding Purpose to Your Portfolio

    JAN 28

    Episode 102: Money with a Mission - Adding Purpose to Your Portfolio

    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 is about alignment—ensuring money supports one’s faith, family, calling, and peace of mind. For 2026, Jay describes it as a “reset year,” marked by tax changes, permanent income decisions, and narrower margins for error. He stresses that retirement planning shifts from accumulation to coordination—aligning income sources, taxes, investments, risk management, and legacy goals. Even strong savers can lose thousands unnecessarily if these elements are misaligned. Biblically Responsible Investing (BRI) is presented as foundational, not optional. Jay challenges listeners to consider whether their investments reflect their values, noting that peace often follows faith-aligned portfolios. Scripture reinforces the call to steward worldly wealth wisely and intentionally. Common mistakes heading into retirement include confusing familiarity with safety and drifting instead of designing a plan. Jay reframes risk management as foresight, grounded in diversification, downside awareness, and income stability. He affirms that faith-based investing can remain competitive, often favoring durable, ethically run companies with strong fundamentals. In the second segment, the discussion turns to income sustainability, RMDs, charitable strategies like Qualified Charitable Distributions, and legacy planning. Jay highlights that legacy is about more than assets—it’s about passing on values, unity, and purpose. The episode closes with a call to action, encouraging listeners to seek a second opinion and schedule a complimentary, faith-based retirement review to prepare confidently and intentionally for 2026 and beyond.

    26 min

  3. JAN 28

    Retire to Flourish: Designing a Life You Don’t Want to Escape From

    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 slowly through higher everyday costs. Even modest inflation can force subtle compromises: fewer trips, less time with family, or postponed dreams. While Social Security cost-of-living adjustments help, Jay reminds listeners that Social Security is a “seatbelt, not the engine.” It provides safety, but it cannot drive a fulfilling retirement on its own. Healthcare inflation receives special attention, as Jay notes that medical costs don’t follow averages, they “ambush” retirees unexpectedly. This reinforces the importance of stress-testing plans early in the year. Jay also challenges outdated advice like “living off the interest,” emphasizing the need for intentionally designed income and multiple aligned strategies. True protection against inflation, he says, comes from clarity, flexibility, and alignment—not a single investment solution. The second segment shifts to habits, health, and purpose. Jay highlights that the biggest divider between happy and unhappy retirees is structured. Without intention, retirees can drift into loneliness, declining health, and dissatisfaction—often misattributed to money. Physical health, community, lifelong learning, and meaningful hobbies are essential pillars of a rich retirement. Faith sits at the center of the conversation. Jay emphasizes that God doesn’t retire His people—He reassigns them. Biblically responsible investing and purpose-driven living bring peace, alignment, and fulfillment. The episode closes with a powerful reminder: Hope is not a retirement strategy—stewardship is. Listeners are encouraged to start the year with a thoughtful retirement checkup and design a life they don’t want to escape from.

    26 min
  4. PRAY, PLAN & PARTICIPATE: Faith-Aligned Investing in a Complex World

    JAN 5

    PRAY, PLAN & PARTICIPATE: Faith-Aligned Investing in a Complex World

    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. Jay explains that many Christian investors have long felt forced to choose between financial discipline and biblical conviction. PRAY was created to close that gap, combining professional, fundamentals-based portfolio management with clearly defined Christian values. Steve and John share their personal journeys as investors and outline PRAY’s philosophy: a GARP (Growth at a Reasonable Price) approach with a quality bias, global opportunity set, and a long-term mindset designed to help investors stay steady through full market cycles. Jay adds real-world stories from his work with retirees and pre-retirees, emphasizing that faith and discipline are not enemies of performance. In fact, aligning values with investments often removes emotional friction, helping investors stay committed when markets get difficult. Segment Two widens the lens to the broader market environment. The group discusses late-cycle markets, the “Goldilocks economy,” tariffs, inflation, Federal Reserve policy, valuations, and the ongoing evolution of artificial intelligence. Jay frames market volatility through the lens of stewardship, preparation without fear, discipline without panic. Looking ahead to 2026, the episode reinforces a central theme: faith-aligned investing isn’t about prediction or perfection. It’s about understanding what you own, why you own it, and having the confidence to stay invested when it matters most. Listeners are encouraged to seek a second opinion and ensure their portfolios reflect both their long-term goals and their deepest convictions.

    26 min
  5. The Rhythm of the Times: Preparing Faithfully for 2026

    2025-12-29

    The Rhythm of the Times: Preparing Faithfully for 2026

    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 the Jobs Report, matter more as retirement nears. While headlines often sound reassuring, the underlying data can reveal important shifts that affect earnings, interest rates, and portfolio withdrawals. Drawing from Scripture, Jay reminds listeners that faithful stewards are called to “read the signs of the times” without panic or fear. The conversation explores how employment trends influence Federal Reserve policy, interest rates, and market leadership, particularly in late-cycle environments. Jay cautions retirees against chasing momentum during strong market years, emphasizing that retirement is not a scoreboard but a paycheck. Using historical patterns like the Presidential Cycle, he notes that 2026 has historically been a strong market year, but stresses this is a yellow light, not a green light, requiring balance and discipline. In the second half of the episode, Jay focuses on the critical years surrounding retirement, where sequence-of-returns risk can permanently impact income. He explains why consistency, protection, and income planning matter more than ever. Growth alone isn’t enough, retirement requires stability, predictability, and a strategy built to endure volatility. The episode closes with a reminder that money is never morally neutral. Wise planning aligns finances with faith, purpose, and stewardship, so retirees can live with confidence, regardless of market conditions. Listeners seeking clarity heading into 2026 are encouraged to visit faithandretirement.com or call 800-270-7310 for a second-opinion retirement review.

    26 min
  6. Building Retirement Confidence in a Noisy World

    2025-12-22

    Building Retirement Confidence in a Noisy World

    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 generosity no matter what the markets are doing. The conversation explores how volatility affects retirees differently than younger investors, why sequence-of-returns risk can derail retirement income, and how predictable income can dramatically reduce stress and emotional decision-making. Jay also discusses the appropriate role of insurance-based tools, the growing importance of tax and inflation planning, and why many retirees underestimate how long their money must last. In the second segment, the focus shifts from financial confidence to moral and emotional confidence. Jay explains why values matter in investing, how retirees are often unknowingly invested in companies they disagree with, and how Faith Investor Services’ "Screen & Clean" process helps align portfolios with biblical principles without sacrificing discipline or long-term fundamentals. Real-world examples illustrate how corporate values decisions can impact business performance, reinforcing that faith-based investing is not about politics, but stewardship and sound fundamentals. The episode closes by defining what a truly confident retirement looks like: peace of mind, dependable income, investments aligned with personal convictions, and a plan designed to finish life’s race well: financially, emotionally, and spiritually. Key takeaway: Retirement confidence comes from clarity, conviction, and intentional planning—not from reacting to headlines or market fear.

    26 min
  7. Moving Money, Building Legacy: Wise Stewardship for Wealth in Motion

    2025-12-12

    Moving Money, Building Legacy: Wise Stewardship for Wealth in Motion

    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.

    26 min
  8. Healthy, Happy & Financially Fit: God’s Blueprint for a Thriving Retirement

    2025-12-08

    Healthy, Happy & Financially Fit: God’s Blueprint for a Thriving Retirement

    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.

    26 min
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About

Is your faith important to you? Have you ever wondered how to align your financial decisions with your values? In Faith & Retirement, we explore how to invest in a way that reflects your beliefs, principles, and life mission. Join Jay Peroni, CFP®️ as he dives into strategies, stories, and expert insights that help you invest with both purpose and conviction. Whether you're new to investing or a seasoned professional, this podcast will guide you through aligning your portfolio with your faith. Let’s invest in what truly matters—together.

Information

  • Creator
    Faith Investor Services
  • Years Active
    2024 - 2026
  • Episodes
    102
  • Rating
    Clean
  • Show Website
    Faith & Retirement