Episode 98: Building Retirement Confidence in a Noisy World

In this week’s episode, Jay Peroni, CFP®, tackles one of the biggest challenges facing today’s retirees: how to maintain confidence amid market volatility, inflation, tax uncertainty, and nonstop financial noise. Jay explains that retirement investing isn’t about chasing returns, it’s about building a reliable plan that provides predictable income, manages risk, accounts for longevity, and supports generosity no matter what the markets are doing.

The conversation explores how volatility affects retirees differently than younger investors, why sequence-of-returns risk can derail retirement income, and how predictable income can dramatically reduce stress and emotional decision-making. Jay also discusses the appropriate role of insurance-based tools, the growing importance of tax and inflation planning, and why many retirees underestimate how long their money must last.

In the second segment, the focus shifts from financial confidence to moral and emotional confidence. Jay explains why values matter in investing, how retirees are often unknowingly invested in companies they disagree with, and how Faith Investor Services’ “Screen & Clean” process helps align portfolios with biblical principles without sacrificing discipline or long-term fundamentals. Real-world examples illustrate how corporate values decisions can impact business performance, reinforcing that faith-based investing is not about politics, but stewardship and sound fundamentals.

The episode closes by defining what a truly confident retirement looks like: peace of mind, dependable income, investments aligned with personal convictions, and a plan designed to finish life’s race well: financially, emotionally, and spiritually.

For more information, contact Faith Investor Services today.

Key takeaway: Retirement confidence comes from clarity, conviction, and intentional planning—not from reacting to headlines or market fear.