Episode 80: “Faith, Fortune & the Future: Biblical Wisdom for High-Net-Worth Christian Investors”
This episode, Jay Peroni, CFP focuses on the unique financial challenges and opportunities facing affluent Christian families. Jay offers biblically grounded strategies for wealth stewardship. Jay compares inflation to termites—silent but destructive. Even wealthy families feel it, not at the grocery store, but through rising property taxes, travel costs, and tuition. To combat this, Jay emphasizes inflation-resistant planning: private pensions, dividend-growth portfolios, and diversification with assets like gold and bitcoin. The mission: ensure lifelong income, minimize taxes, and preserve generosity.
A weakening U.S. dollar also impacts affluent families, raising international costs while benefiting exporters. Jay explains how global diversification serves as a financial shock absorber, ensuring currency swings don’t derail Kingdom impact.
Many wealthy individuals attempt to self-manage wealth but underestimate complexity. Jay shares examples of clients losing hundreds of thousands annually in unnecessary taxes or leaving heirs exposed through poor estate planning. A coordinated approach—investments, taxes, giving, and family governance—requires an expert team.
Jay also highlights the importance of “opportunity capital” for large expenses or generosity goals, as well as proactive business succession planning to maximize value and align proceeds with faith-based portfolios and charitable giving.
In Segment 2, Jay discusses annuities as a tool for lifetime income stability, estate planning pitfalls that can fracture families, and how interest-rate changes create both risks and opportunities. He urges clients to see volatility not as fear, but as opportunity when anchored in a biblical plan.
Finally, Jay underscores the role of charitable trusts and donor-advised funds in sustaining long-term generosity. The call to action: high-net-worth Christians should seek a free second opinion at FaithAndRetirement.com to ensure their wealth reflects both wisdom and Kingdom purpose.
