In this week’s episode, Jay Peroni, CFP tackles one of the most important and overlooked parts of preparing for retirement: asking the right questions before you make the leap.Jay explores Social Security, retirement age, and 401(k) readiness. Jay explains why the traditional age 65 retirement mindset may be outdated, with many retirees now living 25–30 years after leaving the workforce. Using humor and biblical wisdom, he reminds listeners that planning isn’t fear-based...it’s stewardship, citing Psalm 90:12: “Teach us to number our days, that we may gain a heart of wisdom.”Jay breaks down Social Security claiming strategies, comparing age 62, full retirement age, and age 70 benefits. Delaying benefits can provide a 6–8% increase per year - something nearly impossible to duplicate elsewhere. While headlines warn that Social Security could “run out,” Jay stresses that although funding challenges are real, panic is unnecessary, noting Congress has always acted when needed.The episode highlights the Screen & Clean™ process, helping believers invest in alignment with biblical values, choosing mission-driven companies and avoiding those conflicting with Christian convictions.Jay also dives into income gaps, annuities, and retirement taxes. With Social Security covering only 30–40% of income for most retirees, Jay explains how annuities can act as a private pension, providing guaranteed lifetime income and stability: “because markets fluctuate, but bills don’t.” He also warns about inflation and longevity risk, emphasizing modern annuities’ flexibility.The episode closes with practical tax strategies and a reminder that we may be in the lowest tax environment we’ll see for years.Listeners are encouraged to request a free personalized retirement review at FaithAndRetirement.com or by calling (800) 270-7310.

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