Proverbs 21:5 reminds us that “the plans of the diligent lead surely to abundance.” In this episode, Jay Peroni, CFP® unpacks one of the most overlooked threats to a retiree’s income—taxes—and reveal how strategic, faith-based planning can help you keep more of what you’ve earned and give more to the causes you love.

Jay explains how even Social Security benefits can be taxed—sometimes up to 85%—depending on your overall income. Through the stories of real clients like Rick and Susan, who were blindsided by a sudden tax spike, and Carol, a widow who turned grief into generosity through charitable planning, listeners learn how thoughtful coordination across income sources can turn financial surprises into opportunities for stewardship.

The conversation then moves to 401(k)s, IRAs, and Roth accounts, exploring how timing withdrawals, using Roth conversions, and leveraging Qualified Charitable Distributions (QCDs) can dramatically reduce lifetime tax burdens. Jay emphasizes that “retirement isn’t just about growth—it’s about control,” encouraging listeners to diversify across tax buckets and give intentionally.

The episode also highlights faith-based investing, with Jay sharing how many retirement accounts unknowingly support anti-biblical agendas. He explains how aligning portfolios with biblical values can bring both moral peace and strong returns, proving you don’t have to compromise convictions for performance. This episode is also a powerful reminder that wise tax planning is part of faithful stewardship—helping you enjoy more, give more, and live confidently in God’s provision.

Now is the time to take action! Schedule a free Retirement Tax Review by calling (800) 270-7310 or visiting FaithAndRetirement.com.