Episode 84: A Second Look: Why Good Stewards Seek Professional Help Before Making Retirement Decisions
In this episode of Faith & Retirement,  Jay Peroni, CFP®, explores why even the most faithful savers and planners need a second opinion before stepping into retirement. Grounded in Proverbs 15:22, “Plans fail for lack of counsel, but with many advisers they succeed”, the conversation highlights how biblical stewardship and financial wisdom go hand in hand.

Jay begins with the topic of income, reminding listeners that “guaranteed income for life” isn’t a marketing slogan but a plan for peace of mind. Through examples of couples and widows he’s served, Jay demonstrates how aligning Social Security, pensions, annuities, and dividend income can cover life’s essentials and free up resources for ministry, travel, and family.

The discussion then turns to inflation, taxes, and Social Security pitfalls. Stories of retirees losing thousands unnecessarily underscore the value of proactive planning. From reducing tax burdens to adjusting portfolios for inflation, Jay explains how a second opinion can prevent painful financial surprises.  Other highlights include the unique challenges of retiring overseas, the importance of fiduciary advice, and the dangers of neglecting estate planning. Jay also shares how tools like donor-advised funds help Christians maximize giving and leave a legacy.

Throughout, Scripture is woven into practical advice, reminding listeners that wise planning is an act of faith, not fear. Jay closes with Isaiah 26:3, encouraging retirees to find clarity, confidence, and perfect peace in Christ.

Listeners are invited to schedule a free second-opinion consultation at faithandretirement.com