Enjoy More!

Worry Less! In Retirement

We help select individuals in The Retirement Redzone (age 50-80) with the 5 Financial Building Blocks to Living Your Best Retirement

See How It Works Time-tested 4-Step Process Designed to Get Results

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Retirement is no longer the finish line; it's the Starting Gate.

It’s a time to redefine yourself, pursue new passions and live with renewed purpose. Get the education you want on topics of interest from our Wisdom 2 Wealth Library, featuring 24/7 on demand videos, complimentary eBooks and more!

You’ve Worked Too Hard To Let Money Steal Your Freedom

Our industry has made money more complicated than it needs to be, by adding layers of complexity and unnecessary jargon.
You’re smart and capable, yet you find the internet has endless opinions but no advice – which only causes more anxiety.
You’ve worked hard to give your family the flexibility, options and control you deserve.
You know you're probably paying too much in taxes but aren't sure what to do about it.
You always wonder if your plan is optimized for your situation.

That’s why we work to uncover your financial blind spots and give you a growth plan designed for you to retire confidently.

Beacon Wealth Management CEO John Halterman discusses the importance of having a comprehensive strategy and the tested Beacon Wealth process with Jack Canfield in their Hollywood Live Interview above.

Life has enough challenges.

STRESS ABOUT MONEY SHOULD NOT BE ONE OF THEM.

Let's Talk Request a 15 min discovery call to See If we can help

Our Services

The 5 Building Blocks to living your best retirement enables all the pieces of your wealth puzzle to harmoniously work together with one simple goal: To provide a strategy that aligns the money you have with the lifestyle you want to live and the legacy you want to provide.

Organize and Simplify Financial Affairs

Our retirement redzone advisory process enables you to organize and manage your personal wealth so that all the pieces of your wealth puzzle work harmoniously together. We simplify and organize your entire financial situation and help you see it like you’ve never seen it before in your very own personal financial website, or as we like to call it, your personal financial vault.

Retirement Income and Investment Planning

We work with you to ensure your expenses can be paid reliably and predictably for the rest of your life so you don’t outlive your income. To help safeguard your income, we will segment your money with appropriate investment planning. We consider all aspects of retirement, from tax efficiency, asset location and proper distribution order, specific to your lifestyle. This includes your risk tolerance, investment objective and long-term goals. No one person is the same, so no plan is the same; each plan is specialized for each client.

Insurance Planning

As we approach retirement, many of us start to think more seriously about our health and healthcare needs. With healthcare costs continuing to rise, it’s essential to plan ahead to ensure you have access to the care you need without breaking the bank. Without proper planning, long-term care can completely wipe out a retiree’s savings. We are here to help you create a strategic plan that matches your health and budget.

Tax Mitigation

Retirement is a time to relax and enjoy the fruits of your labor, but you must also be mindful of your finances when it comes to taxes. It’s important to plan for how you will manage your income and taxes to ensure you have enough to support your lifestyle while minimizing your tax bill. The main goal of our tax planning is to assess your current tax liability and develop strategies to minimize the taxes you pay during retirement, as well as when passing on your wealth to the next generation.

Legacy and Estate Planning

We will work with you to create a plan that is designed so your hard-earned assets go to your beneficiaries without hassle. Comprehensive Wealth Management goes beyond simply making investment decisions. We help protect your assets and legacy for your loved ones, while controlling the way in which your money is passed down in the most tax-advantageous way.

Podcast

In-depth, exciting, informative broadcasts

Ask the Expert: It Doesn’t Matter Who Is President

Ask the Expert: You May Need More Money in Retirement Than You Think

Ask the Expert: Investment Mega-trends

Ask the Expert: Should I Use My 401(k) Like a Bank?

Ask the Expert: Accumulating Wealth through Financial Planning

Ask the Expert: Wealth Strategies vs. Products

Ask the Expert: Tax Strategies vs. Tax Filing

Ask the Expert: Why Piecemealing Your Finances Hurts Your Retirement

Have you ever seen all your money in ONE PLACE? Bet you haven’t, but you can and you should.

Watch the video below to learn how we simplify and organize your entire financial situation and help you see it like you’ve never seen it before!

Our retirement redzone advisory process enables you to organize and manage your personal wealth so that all the pieces of your wealth puzzle work harmoniously together with one simple goal. We believe this is one of the best ways to provide advice and strategies that align the money you have with the lifestyle you want to live and the legacy you want to provide.

Let's Talk Request a 15 min discovery call to See If we can help

Here's what makes me different

Retirement isn’t just about the money. It’s about your quality of life.

I focus on having reliable income.

So you’re not just hoping the stock market goes up and up.

I focus only on retirees.

I’d rather be the best at one thing than average at many things.

I operate with total transparency.

All fees are spelled out clearly before we do business.

I am product neutral.

That means zero sales agenda, just a solutions-driven process that really works.

I am a coach at heart.

I make sure you understand what you own, why you own it and how it will benefit you and act on that info.

I am an Accredited Investment Fiduciary.

It’s my legal responsibility to put your best interest above all else. I don’t take it lightly.

John Halterman

John Halterman

Just the facts.

Our one page overview is an executive summary for your financial life.

This one-page asset map report visually organizes all of your household’s finances in a clear graphical layout, allowing us to find opportunities to streamline and simplify your financial life.

In the Media

Catch John’s latest episodes of Wisdom to Wealth Sundays, Mondays, Tuesdays & Thursdays on WDTV Evening News at 5:30 PM.

IRA Distributions Count As Earned Income

Manage Tax Burden

Cash Out Pension

You Flipped the Script

2024—It’s All About Action

Don’t Get Stressed Out

Permanent Cash Value Life Insurance

It’s Unbelievable

How Our Process Works

We’ve been successfully helping folks like you for a long time…just under 30 years to be exact. Throughout this time, we’ve perfected our process to give our clients the guidance they need to find confidence and clarity with their investments.

It’s called the BWM Retirement Redzone Advisory Process. Here’s how it works at the 50,000 ft level.

Discover

STEP 1: In our discovery session, we will establish an exact understanding of what you want to accomplish, where you are now and your feelings toward money.

Analyze

STEP 2: Using our proven process and systems, we analyze to simplify and organize your entire financial situation so you can finally see everything in one place. It's streamlined, optimized and organized like never before. We believe you'll have more financial confidence knowing you're on top of everything.

Recommend

STEP 3: You've made the sacrifices you've made and worked as hard as you've worked for a reason. This is where the strategy recommendations come together to accomplish the goals you have and have the impact you've dreamed of.

Evolve

STEP 4: As life unfolds, we will work hard to continue elevating the quality of your life. We will always remain highly engaged with you to maintain a current understanding of your family dynamics and financial needs. We will constantly be reviewing your strategy’s progress relative to what you want to accomplish. We will adjust your strategy as your life evolves.

Let's Talk And see if We are a good fit

Let’s Have a Conversation
Request Your 15 Minute Discovery Call Today!

Just like you don’t trust just anyone with your savings, we can’t help everyone that wants to work with us. In this call, we’ll make sure we are a good fit for one another.

Let's Talk Request a 15 min discovery call to See If we can help

Or call us anytime: (304) 626-3900

Who We Are

What We Do

Tools & Resources

Check out the background of firms and investment professionals on FINRA’s BrokerCheck.

Securities offered through Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Beacon Wealth Management operates independently of Cambridge. This communication is strictly intended for individuals residing in the states of WV, PA, OH, MD, NC, SC, TX, FL, NY, DE, KY, CA and WI. No offers may be made or accepted from any resident outside the specific state(s) referenced.

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