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.