Episode 104: “More Than Money: Building a Legacy That Lasts”
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, often leading to probate delays, unnecessary taxes, and outcomes families never intended.
Throughout the episode, Jay breaks down complex topics in plain English, including the purpose of wills, the protective power of trusts, and the practical differences between revocable and irrevocable trusts. He emphasizes that guardianship decisions, tax placement, and beneficiary choices are not minor details, they shape real outcomes for surviving spouses and children.
Listeners also learn why beneficiary forms often override wills, how failing to name contingent beneficiaries can undo even the best planning, and how inherited IRAs can create major tax surprises when structured incorrectly. Jay explains “per stirpes” versus “per capita,” highlights the importance of Special Needs Trusts, and shares real client stories that reveal how easily well-meaning families can stumble without coordinated planning.
The conversation then turns legacy beyond money. Jay introduces values-based investing through his “Screen & Clean” approach, removing companies that conflict with biblical principles and redirecting capital toward responsible, productive businesses. His message is clear: your portfolio communicates what you stand for, even when you’re not in the room.
The episode closes with a powerful reminder that money fades, but stories, letters, and faith-centered traditions endure. As Jay puts it, a lasting legacy doesn’t happen by accident, it happens by design.
Now is a great time to review your estate plan, beneficiaries, and investments to ensure everything aligns with your family, faith, and long-term vision. Go to faithandretirement.com today to book your estate review.
