Episode 99: “The Rhythm of the Times: Preparing Faithfully for 2026”

In this week’s episode, Jay Peroni, CFP® helps listeners step back from confusing headlines and focus on wise, faith-filled preparation for 2026. With markets swinging, jobs data sending mixed signals, and retirement approaching for many, the message is clear: retirement confidence doesn’t come from predicting the future, it comes from preparing wisely.

Jay explains why economic reports, especially the Jobs Report, matter more as retirement nears. While headlines often sound reassuring, the underlying data can reveal important shifts that affect earnings, interest rates, and portfolio withdrawals. Drawing from Scripture, Jay reminds listeners that faithful stewards are called to “read the signs of the times” without panic or fear.

The conversation explores how employment trends influence Federal Reserve policy, interest rates, and market leadership, particularly in late-cycle environments. Jay cautions retirees against chasing momentum during strong market years, emphasizing that retirement is not a scoreboard but a paycheck. Using historical patterns like the Presidential Cycle, he notes that 2026 has historically been a strong market year, but stresses this is a yellow light, not a green light, requiring balance and discipline.

In the second half of the episode, Jay focuses on the critical years surrounding retirement, where sequence-of-returns risk can permanently impact income. He explains why consistency, protection, and income planning matter more than ever. Growth alone isn’t enough, retirement requires stability, predictability, and a strategy built to endure volatility.

The episode closes with a reminder that money is never morally neutral. Wise planning aligns finances with faith, purpose, and stewardship, so retirees can live with confidence, regardless of market conditions.

For more information, contact Faith Investor Services today.