Rolling Over with Purpose: Aligning Retirement Wealth with Your Faith

You’ve spent decades working, saving, and planning. Now the next chapter is coming into view. Whether you’re preparing to retire in the next year or just stepped into retirement, there’s one important financial decision many Christians face at this stage:

What should I do with my 401(k) now that I’m no longer contributing to it?

For many, this is the first time in years they’ve needed to make an investment decision on their own. And for those who want their money to reflect their values, the options may feel overwhelming.

Let’s explore how faith-based investing may turn your 401(k) rollover into a powerful expression of stewardship.

Why a Rollover Is More Than Just a Transaction

At retirement, many people choose to roll over their 401(k) into an Individual Retirement Account (IRA). On the surface, it might feel like a routine move, but it may be so much more than that.

A rollover may unlock the ability to:

• Invest more flexibly and intentionally (outside the constraints of your former employer’s plan)

• Strategically reduce fees or improve diversification

• And most importantly, choose where your money is going based on what you believe

In other words, your rollover may become a reset button that aligns your financial future with your faith.

Faith-Based Investing: What It Really Means

Faith-based investing isn’t just about avoiding “bad” companies. It’s about pursuing redemptive outcomes with your wealth.

When you move your 401(k) into an IRA, you may gain access to screening strategies that:

• Exclude companies that conflict with Biblical values (such as those profiting from abortion, pornography, or unjust labor practices)

• Embrace companies that promote human dignity, creation care, and community flourishing

• Reflect your personal convictions as a steward of God’s provision

  
  

At Stonecrop, we believe that this shift may bring peace of mind — your retirement assets are no longer just growing, but growing with purpose.

A Common Question: “Will I Have to Sacrifice Performance?”

This is one of the most frequent concerns we hear, and it’s a fair one.

The good news is that you don’t have to choose between principle and performance.

Thanks to tools like Biblically Responsible Investing (BRI) screens and faith-based index models, it may be possible to build well-diversified portfolios that honor your convictions and aim for long-term results. In fact, some values-aligned strategies have historically shown performance equal to or even better than conventional portfolios.

With the right plan, your investments may be both wise and worshipful.

You’re Not Alone in This

If you’re nearing retirement, you’re likely facing more than just financial questions. You may be asking:

• What does God want me to do with the resources I’ve built?

• How can I make this next season meaningful?

• How can I use what I’ve saved to bless others and still feel secure?

  
  

These are spiritual questions just as much as financial ones, and they deserve spiritual guidance.

Faithful Stewardship Starts Here

At Stonecrop Wealth Advisors, we walk with you through every stage of this transition. We help you roll over your 401(k) into an IRA designed around your values, then build a plan to manage that wealth with wisdom, peace, and purpose.

If you’re approaching retirement and want to make sure your investments align with your faith, we’d be honored to help.

Email us at info@stonecropadvisors.com to take the next step toward a retirement strategy that reflects your calling as a steward of God’s provision.