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NAPLES, Fla. — September 3, 2026
NBC Southwest Florida television host and financial professional explores how principles taught thousands of years ago remain relevant to today’s financial, tax, retirement and estate planning decisions
Vincent A. Virga, author, financial advisor and host of NBC Southwest Florida’s The S.M.A.R.T. Approach to Retirement, has announced the release of his newest book, Stocks and Bonds: Not Just About the Market, which explores the connection between timeless biblical wisdom and modern financial decision making.
Rather than writing another traditional book about what to buy, when to invest or where markets may be headed, Virga takes readers in a different direction. The book examines how principles found throughout Scripture, including stewardship, patience, discipline, wise counsel, generosity and responsibility to future generations, remain remarkably relevant to financial decisions today.
“Markets will rise and fall. Presidents, congressmen and senators will come and go. Tax laws will change,” Virga said. “But timeless principles endure. Many of the principles behind wise financial decision-making were being taught thousands of years before the modern financial markets existed.”
The inspiration for the book came unexpectedly.
One Sunday morning, Virga was on his way to get coffee when he noticed the words “Stocks and Bonds” on the entrance of a building. He had seen the words before, but this time they struck him differently.
“I felt God speaking to my heart in that moment,” Virga said. “The message was simple. Write the book. That started me on a journey of looking more deeply at Scripture and recognizing how much of the wisdom we apply to financial planning today has parallels in biblical principles that have existed for thousands of years.”
Throughout Stocks and Bonds: Not Just About the Market, Virga uses Scripture to introduce conversations about investing, retirement, tax planning, estate planning, stewardship and legacy.
The book does not present the Bible as an investment manual. Instead, Virga demonstrates how biblical principles can provide a practical framework for approaching financial decisions with greater wisdom, discipline and purpose.
After more than three decades in financial services, Virga believes one of the most important lessons he has learned is that financial outcomes are influenced by more than mathematics.
Human behavior matters.
Fear can cause investors to abandon long-term plans during difficult markets. Greed can encourage excessive risk when markets are strong. A lack of preparation can create unnecessary financial challenges. Pride can prevent people from seeking counsel when they need it.
Those behaviors are not unique to modern investors.
“Technology has changed tremendously. Financial markets have changed. The products we use have changed,” Virga said. “Human nature hasn’t changed nearly as much. Fear is still fear. Greed is still greed. Patience still matters. Discipline still matters. Wisdom still matters.”
Legacy also plays a significant role in the book.
Virga challenges readers to think beyond simply accumulating and transferring financial assets. He believes a meaningful legacy also includes the values, wisdom, faith, generosity and financial habits passed from one generation to the next.
“You can leave someone money without leaving them wisdom,” Virga said. “Legacy is about much more than the assets we leave behind. It is what we taught, how we lived, whom we helped, what we believed and what the next generation learned from us.”
Stocks and Bonds: Not Just About the Market is written for readers across different stages of their financial lives, including families building wealth, business owners, pre-retirees and retirees. It is also intended for readers interested in exploring the relationship between faith, stewardship and financial literacy.
Virga hopes the book reaches beyond people already comfortable discussing faith.
“Someone may initially pick up this book because they want to learn something about investing, retirement or financial planning,” Virga said. “My hope is that somewhere along the way, they encounter a piece of biblical wisdom that speaks to another part of their life and perhaps even encourages them to explore their relationship with God more deeply.”
That objective reflects one of Virga’s central life philosophies.
“I’ve always believed that one seed has the potential to create a harvest,” he said. “If something in this book plants one seed that helps someone make a wiser decision, strengthen their family, become a better steward or grow in their faith, then the purpose for writing it has been fulfilled.”
Virga also sees the book as part of a larger conversation about the role faith and personal responsibility have played throughout American life.
“Throughout our nation’s history, faith, morality and personal responsibility have played an important role in shaping character and individual responsibility,” Virga said. “My book explores how many of those same timeless biblical principles continue to help provide a practical framework for making wise financial decisions today.”
Stocks and Bonds: Not Just About the Market is now available through Amazon, Barnes & Noble, and Kindle.
About Vincent A. Virga
Vincent A. Virga is an author, financial advisor and host of NBC Southwest Florida’s The S.M.A.R.T. Approach to Retirement. With more than three decades of experience in financial services, Virga has dedicated his career to educating individuals and families about retirement, investing, taxes, healthcare, estate planning and legacy. His newest book, Stocks and Bonds: Not Just About the Market, explores how timeless biblical wisdom can provide a practical framework for modern financial decision making.
Media Interviews
Vincent A. Virga is available for television, radio, podcast, print and digital interviews discussing biblical wisdom and modern finance, faith and financial literacy, investor behavior, stewardship, retirement, legacy, the role of wise counsel and the personal story that inspired Stocks and Bonds: Not Just About the Market.
Media inquiries, interview requests and review copies may be coordinated through PFS Wealth Management Group.www.pfswealthgroup.com or www.vincentavirga.com.
DISCLOSURE:
Insurance products are offered through the insurance business PFS Wealth Management Group. PFS Wealth Management Group is also an Investment Advisory practice that offers products and services through AE Wealth Management LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by PFS Wealth Management Group are not subject to Investment Advisor requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying ability of the issuing carrier. This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. PFS Wealth Management Group is not permitted to offer and no statement made herein shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by PFS Wealth Management Group. Please consult with a qualified professional before making any financial decisions. A PR firm was paid to assist with media placement. AE Wealth Management LLC provides services without regard to religious affiliation, and the views of individual advisors are not necessarily the views of AE Wealth Management. 04371322- 08/26
ATLANTA, GA – September 3, 2026
Shelby Green discussing reducing unnecessary risk in financial planning
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-shelby-green-retirement-expert-with-retirement-heroes-discussing-reducing-unnecessary-risk-in-financial-planning/
Shelby began by distinguishing between healthy risk and unnecessary risk, emphasizing that while some risk is essential, especially for younger investors, it becomes crucial to minimize unnecessary risks as one approaches retirement. Highlighted the importance of having a solid plan to manage the risks associated with longevity, inflation, market volatility, and social security.
Understanding Risk and Unnecessary Risk
In the context of financial planning, not all risk is inherently detrimental. In fact, a certain level of risk can be beneficial, especially for younger investors who have time to recover from market downturns. However, as individuals age and approach retirement, the need to reassess their risk tolerance becomes paramount. Shelby Green articulates a crucial distinction between acceptable risk and unnecessary risk. While growth is essential during the accumulation phase of one’s financial journey, the preservation of capital becomes the priority in retirement. Retirees must recognize that their financial runway is significantly shorter, and thus, maintaining a stable and secure portfolio is vital.
Common Risks Threatening Retirement Portfolios
Several risks can jeopardize the financial security of retirees. One of the most significant is longevity risk—the possibility of outliving one’s savings. As medical advancements lead to increased life expectancies, retirees must plan for the potential of needing funds for an extended period. This necessitates a comprehensive understanding of one’s financial needs over time.
Another critical risk is inflation. Over the years, the cost of living tends to rise, and retirees must ensure that their income can keep pace with inflation. Shelby Green points out that many individuals fail to adequately plan for inflation, leading to a situation where their purchasing power diminishes over time. Without a strategy to counteract inflation, retirees may find themselves struggling to cover basic expenses as prices increase.
Market volatility presents additional challenges, particularly for those who rely on their investment portfolios for income. The sequence of returns risk is particularly concerning; if a retiree experiences negative market returns in the early years of retirement, they may be forced to withdraw funds at a loss, significantly depleting their savings. This scenario highlights the importance of having a well-structured withdrawal strategy that minimizes exposure to market fluctuations.
Shelby shared: “People can have a specific amount of healthy risk. Especially when you’re younger, it’s pretty standard for people to be more aggressive than when they get older. The older somebody gets, the less risk they should take. But because they are already familiar with the market, they maybe just had 10 years of positive returns and are more optimistic on the future returns more than they probably should be.”
Strategies for Prioritizing Safety
To safeguard retirement funds, retirees should consider several strategies that prioritize safety over aggressive growth. First and foremost, it is crucial to establish a reliable income stream that is insulated from market volatility. Shelby Green advocates for ensuring that the funds required for living expenses are derived from safer strategies. By doing so, retirees can secure their essential income without being at the mercy of market downturns.
One effective approach is to create a diversified portfolio that includes a mix of more safer wealth vehicles—such as annuities or bonds—and growth-oriented investments. This balance allows retirees to enjoy the benefits of market growth while ensuring that their essential needs are met through safer assets. Additionally, retirees should regularly reassess their financial plans, taking into account changes in their personal circumstances and market conditions.
Another key strategy is to delay Social Security benefits if possible. By waiting to claim Social Security, retirees can increase their monthly benefits, providing a more substantial income stream in the long run. This decision should be based on individual circumstances, but it can be a powerful tool in managing retirement income.
Conclusion
In conclusion, prioritizing safety in retirement funds is essential for ensuring financial security in later years. As highlighted in the podcast with Shelby Green, understanding the differences between acceptable and unnecessary risk is crucial for retirees. By recognizing the common risks they face—such as longevity, inflation, and market volatility—retirees can take proactive steps to mitigate these threats. Establishing a reliable income stream from safer investments, diversifying portfolios, and making informed decisions about Social Security can help retirees navigate the complexities of retirement planning with confidence. Ultimately, a focus on safety will enable individuals to enjoy their retirement years without the constant worry of financial instability.
Video Link: https://www.youtube.com/embed/vw0vZeR1dw0
About Shelby Green
Retirement Heroes specializes in helping retirees and those nearing retirement secure their financial future with confidence. Whether it’s ensuring a reliable income stream, protecting assets, or planning for healthcare costs, we take a personalized approach to understanding what matters most to each client. Our mission is to provide the guidance and strategies needed so they can enjoy their golden years without financial stress.
Financial security in retirement isn’t just about numbers—it’s about peace of mind. I’m here to help retirees make informed decisions so they can enjoy life on their terms, without the fear of outliving their savings.
Learn More: https://retirementheroes.org/
Recent News & Interviews:
Shelby Green discussed Navigating Income Planning https://authoritypresswire.com/shelby-green-retirement-expert-with-retirement-heroes-interviewed-on-the-influential-entrepreneurs-podcast-discussing-navigating-income-planning/
Gelugor, Penang, Malaysia — August 2026 — At most universities, writing a book takes years. At Universiti Sains Malaysia (USM) this July, it took a weekend.
Ten academicians, researchers, lecturers, and students arrived at Studio Graphic, School of the Arts (SOTA), USM on 8 and 9 July with an idea, a deadline, and — in most cases — not a single word written. By the close of the second day, all ten had completed and published full-length books through Lulu.com, an independent international publisher.
Tanjong Malim, Perak, Malaysia — August 2026 — A senior English instructor turned her PhD thesis into a real book. A Nigerian student wrote about building a life in a country that wasn’t hers. A teenager wrote the guide she wished someone had handed her before she kept putting her life on hold. None of them had written a book before. All of them had one finished, and published, within 48 hours.
ATLANTA, GA – August 25, 2026
Shelby Green discussing navigating income planning
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-shelby-green-retirement-expert-with-retirement-heroes-discussing-navigating-income-planning/
In this episode of Influential Entrepreneurs, had the pleasure of speaking with Shelby Green, a seasoned retirement expert from Retirement Heroes. The discussion centered around the crucial topic of navigating income planning to ensure a secure financial future in retirement.
Income Planning Ensures Financial Security
In today’s ever-changing economic landscape, the concept of financial security has become more crucial than ever, particularly as individuals approach retirement. One of the most effective strategies for achieving this sense of security is through comprehensive income planning. As discussed in a recent podcast episode featuring retirement expert Shelby Green, income planning is not merely about accumulating a lump sum of money; it is about ensuring a consistent, reliable flow of income that supports a comfortable lifestyle during retirement years. This essay will explore how income planning can alleviate the fears associated with running out of money in retirement and ultimately provide the financial security that many individuals seek.
Understanding Income Planning
At its core, income planning is the process of organizing and managing one’s financial resources to create a predictable and sustainable income stream during retirement. Shelby Green emphasizes that many people mistakenly focus solely on the size of their retirement savings, viewing their financial future through the lens of a single lump sum. However, this approach can lead to anxiety and uncertainty, particularly when market fluctuations threaten to erode those savings. Instead, income planning shifts the focus to generating regular income—akin to receiving a paycheck—regardless of market conditions. This approach fosters a sense of stability and security, allowing retirees to enjoy their golden years without the constant worry of financial instability.
Alleviating the Fear of Running Out of Money
One of the most significant fears that retirees face is the possibility of outliving their savings. Research indicates that this fear ranks just below the fear of public speaking in terms of anxiety levels. The uncertainty surrounding market volatility and unexpected expenses can create a paralyzing effect on individuals who are unsure about how long their savings will last. Income planning addresses this concern directly by ensuring that retirees have a reliable source of income that continues to flow, regardless of external economic factors.
Shelby Green references the book “Paychecks and Playchecks” by Tom Hegna, which highlights the importance of having a predictable income stream. When individuals know that they will receive a certain amount of money each month, they can spend with confidence, knowing that their financial foundation remains intact. This predictability allows retirees to focus on enjoying their lives rather than constantly worrying about their financial situation. By implementing a comprehensive income plan, individuals can effectively mitigate the fear of running out of money, leading to a more fulfilling and enjoyable retirement experience.
The Importance of Cash Flow
A critical aspect of income planning is understanding the difference between cash flow and principal. Many retirees struggle with the idea of spending their savings, often feeling the need to preserve their principal for as long as possible. However, this mindset can hinder their ability to enjoy retirement fully. Shelby Green points out that when retirees have guaranteed cash flow coming in, they can feel more comfortable spending their money without the anxiety of depleting their savings. This principle emphasizes that having a steady income stream allows retirees to enjoy their hard-earned savings and live life to the fullest.
Moreover, income planning encourages individuals to create a balanced approach to spending and saving. While it is essential to ensure financial stability, it is equally important for retirees to allow themselves the freedom to enjoy their retirement years. By establishing a comprehensive income plan, retirees can strike a balance between maintaining their principal and enjoying their lives, ultimately leading to a more satisfying retirement experience.
In conclusion, income planning is a vital component of achieving financial security in retirement. By focusing on creating a reliable income stream rather than merely accumulating savings, individuals can alleviate the fears associated with running out of money and enjoy their retirement years with confidence. As highlighted by Shelby Green in the podcast, understanding the significance of consistent cash flow can transform the way retirees approach their finances, allowing them to embrace their golden years without the burden of financial anxiety. Ultimately, income planning not only ensures financial security but also empowers individuals to live their lives to the fullest, making the most of their retirement.
Shelby shared: “This is the idea of actual income planning, is that if you have paychecks coming in, it doesn’t really matter what’s happening with the market, your lump sum, nothing like that. That you’re going to have a paycheck the next month. So, you can’t run out of money if you consistently keep being fed dollars every single month. So, I think that’s the idea of income planning, and you don’t have to fear it if you know it’s coming in.”
Video Link: https://www.youtube.com/embed/avOy7CIuZ_g
About Shelby Green
Retirement Heroes specializes in helping retirees and those nearing retirement secure their financial future with confidence. Whether it’s ensuring a reliable income stream, protecting assets, or planning for healthcare costs, we take a personalized approach to understanding what matters most to each client. Our mission is to provide the guidance and strategies needed so they can enjoy their golden years without financial stress.
Financial security in retirement isn’t just about numbers—it’s about peace of mind. I’m here to help retirees make informed decisions so they can enjoy life on their terms, without the fear of outliving their savings.
Learn More: https://retirementheroes.org/
Penang, Malaysia — August 2026 — At most universities, writing a book takes years. At Universiti Sains Malaysia (USM) this July, it took a weekend.
Ten academicians, researchers, lecturers, and students arrived at Studio Graphic, School of the Arts (SOTA), USM on 8 and 9 July with an idea, a deadline, and — in most cases — not a single word written. By the close of the second day, all ten had completed and published full-length books through Lulu.com, an independent international publisher.
Tanjong Malim, Perak, Malaysia — August 2026 — A senior English instructor turned her PhD thesis into a real book. A Nigerian student wrote about building a life in a country that wasn’t hers. A teenager wrote the guide she wished someone had handed her before she kept putting her life on hold. None of them had written a book before. All of them had one finished, and published, within 48 hours.
Blue Ocean Publishing Group will release Amnah Ajmal’s The Vested Leader on September 2, introducing a leadership model centered on courage, accountability and purpose. The Kindle edition will be discounted on launch day.
Fresh off speaking to 300 women executives and a community rally, the author of Text Messages to My Sons continues a summer of appearances centered on rebuilding connection across generations