Episode 81: Unshakable Retirement – Faith-Based Strategies to Overcome Fear and Secure Your Future
In this episode, Jay Peroni, CFP®, tackles one of the greatest threats to retirement security: fear. Markets rise and fall, inflation chips away at savings, and unexpected crises test even the strongest plans. But Jay reminds us that when our eyes stay fixed on Christ, our finances can remain steady—no matter the storm.

Jay explains how behavioral finance shows most people fear loss more than they desire gain, which often leads to poor decisions in market downturns. He shares stories from 2008 of clients who panicked and sold, missing years of recovery, and others who trusted their faith-driven plan and came out stronger than ever.

Listeners also learn how inflation acts as a “silent thief,” reducing purchasing power over time, and how strategies like dividend-growth portfolios can provide retirees with a “raise” every year. Jay highlights special challenges for Christian business owners and retirees with most of their wealth tied up in home equity—offering creative, biblical solutions to unlock value and protect legacies.

The conversation also covers the role of insurance in protecting wealth, survivor planning for widows and families, and how generosity through charitable trusts or donor-advised funds can multiply Kingdom impact for generations. Finally, Jay outlines how wise stewardship—diversification, cash reserves, and biblically aligned portfolios—helps believers prepare for the next financial storm with confidence.

Through Scripture, stories, and practical steps, Jay shows that retirement doesn’t have to be ruled by fear. Instead, it can be a season of faith, freedom, and generosity.

Is your retirement plan unshakable? Visit faithandretirement.com today for your free second opinion and discover how faith-based strategies can secure your future.