Why “Waiting for the Right Time” May Be the Wrong Strategy

“I’m just waiting for the right time.”

We hear this phrase often, especially from those thinking about rolling over a 401(k), beginning a charitable giving strategy, or moving their investments to align with their values. The intention is good. But in our experience, waiting for perfect timing may quietly become an excuse that delays meaningful progress.

The Market Rarely Feels Comfortable

If you’ve been watching the headlines in 2025, you’ve seen a mix of encouraging economic news and concerning global events. Strong job reports are followed by inflation data. A market rally is tempered by new geopolitical tensions. The reality is that markets are always moving, and there’s rarely a moment that feels completely calm.

That means the “right time” may not feel obvious until long after it has passed.

Delayed Action May Lead to Missed Opportunity

Many financial decisions carry long-term impact:

• Choosing when and how to roll over a retirement account

• Planning a tax-efficient gift to support a ministry or nonprofit

• Replacing broad mutual funds with a faith-based direct indexing strategy

When these decisions are delayed in search of clarity, investors may miss opportunities for growth, stewardship, or alignment with their values. In some cases, they may continue holding investments that support companies or industries they do not believe in, simply because the timing never felt perfect to make a change.

Faithful Stewardship Includes Timely Decisions

At Stonecrop, we believe that acting in faith doesn’t mean acting hastily, but it also doesn’t mean standing still. The right next step may not always feel obvious, but prayer, wise counsel, and a thoughtful plan may provide the clarity needed to move forward with peace.

How Stonecrop May Help 

If you’ve been waiting for the right time to make a financial move, we may be able to help you discern your next faithful step. Reach out to us at info@stonecropadvisors.com to explore how your investments may better reflect your purpose, values, and long-term goals.