Episode 59: Screen, Clean & Secure: Navigating Investments, Markets, and Retirement:
In this week’s episode, Jay Peroni, CFP, shares insights into key financial topics, offering advice rooted in Christian values and practical strategies for investors. He discusses the importance of ethical investing, highlighting concerns that many Christian clients have, such as screening out investments tied to abortion, pornography, tobacco, weapons, gambling, and human rights violations, aiming to align investments with their faith-based values.
Jay also explains the concept of stock market corrections, reassuring listeners that these dips are a natural part of the market cycle, not necessarily a sign of trouble for 2025. He emphasizes that staying calm, diversified, and focused on long-term goals is the key to weathering market volatility. He further explores how his team at Faith Investor Services helps clients navigate through challenging market conditions by promoting diversification across various assets, ensuring portfolios are balanced to reduce risk.
When discussing long-term planning, Jay reflects on the importance of having a biblically based financial plan that adapts through market ups and downs. He advises on staying grounded in faith, managing risks, and preparing for life’s financial challenges, like retirement. Jay also touches on the unique considerations for government workers nearing retirement, highlighting differences in benefits such as pensions, healthcare, and the TSP, and how careful planning can maximize those benefits.
Additionally, Jay addresses the role of “luck” in wealth accumulation, asserting that it’s not about chance but about preparation, strategy, and sound financial decisions. Finally, Jay clarifies common misconceptions about Social Security and taxes, explaining the income thresholds that determine how much of your Social Security benefits are taxable and advising listeners to seek professional help for personalized tax planning.
For more insights, visit faithandretirement.com or call (800) 270-7310 for a free portfolio screening session.
