3 Big Facts You Should Know…

By John Halterman Hopeful Realism… That’s what I believe in. Pollyanna thinking ONLY is wishful thinking. Dire Chicken Little thinking ONLY is paralyzing. Hopeful Realism is built on FACTS. Here are 3 BIG FACTS for you. BIG FACT #1: 1.2 Million People Have RECOVERED 1,179,215 people have RECOVERED as of today – 474,000 in the last week. Over 200,000 have RECOVERED in the United States.

(https://www.worldometers.info/coronavirus) BIG FACT #2 The number of new cases has stabilized since the beginning of April – lowest new cases since March. May 4 reported new cases was the lowest number of new cases since March 29.
https://www.cdc.gov/coronavirus/2019-ncov/cases-updates/cases-in-us.html New York, which accounts for over a quarter of the cases in the U.S., had its lowest number of new cases since March 19. BIG FACT #3: The virus may be 1/15 as deadly as currently reported; millions may have been infected and recovered with little or no symptoms. 13.9% of people in New York’s first antibody study tested positive, meaning they had the virus and recovered; that means up to 2.7 million people could have been infected in New York, reducing the mortality percentage from 11.1 percent to .7 percent (seven tenths of a percent). Which would mean that 99.3 percent of those who catch the virus recover. https://www.nbcnewyork.com/news/local/2-7-million-in-new-york-may-have-been-infected-study-finds-nj-poised-to-top-100k-cases/2388182/ We are here to serve and help YOU through these difficult times. We are here to serve and help YOU through these difficult times. Hopeful Realism Clearly, the consequences of the total, extended shutdown of our country and economy will have dramatic negative effects on our economy. And, we are monitoring these consequences and formulating any changes required in your plan to continue to protect you, your lifestyle, your money… and your future dreams and desires! We are here for YOU – as we always have been – to lead and guide you through the murky waters ahead. Hopeful Realism. 🙂 Please let us know if there is one thing we can do for you today! About John John Halterman, best-selling author and nationally published blogger, has been featured as a financial guest expert on the shows of self-help gurus Brian Tracy and Jack Canfield, author of Chicken Soup for the Soul, and has appeared on ABC, FOX, BRAVO, NBC, CBS, and A&E. John is the expert host of the weekly WDTV News 5 segment “Solutions 4 Financial Independence.” As an authority on wealth management, he has been invited by hundreds of institutions such as universities, federal agencies, professional associations, and large energy and utility corporations to be a guest speaker and educational event host. Event topics include retiring ready, managing down market investment risk, how to reduce your tax burden, and transferring your family wealth in the most tax advantageous way. John is the founder and owner of Beacon Wealth Management, specializing in helping entrepreneurs, professional practitioners, and retirees overcome the 5 major challenges facing successful families. He is a warm communicator with a passion for helping people transform their financial futures. John understands the multifaceted set of financial worries people face as they become more successful and enter the Retirement Red Zone. He empathizes personally with each client and delivers a collaborative client experience that empowers people to reach their life goals. With more than two decades of experience, John’s professional credentials include Certified Wealth Strategist, Accredited Investment Fiduciary, Certified Estate Planner, Chartered Federal Employee Benefits Consultant, Professional Plan Consultant, and Registered Financial Consultant. He is also a past member of Ed Slott’s Master Elite IRA Study Group. A native of Weston, West Virginia, John served in the United States Air Force prior to becoming a wealth advisor. Today, he resides with his family in Clarksburg, West Virginia. He and his wife, Lisa, have been married since 2005 and have three amazing children. A family-oriented man, he enjoys giving back to his community, coaching youth sports, landscaping, architectural design, and playing racquetball. #Coronavirus #StateoftheMarkets #FinancialMarkets #BWMProcess #BeaconWealthManagement #JohnHalterman #JohnHaltermanofBeaconWealthManagement #unemployment #CARESAct #Stimulus

Learn how long-term care planning supports thoughtful retirement preparation by addressing future care needs and family priorities over time.

Preparing for the Climb Ahead: Integrating Long-Term Care into Your Plan

Retirement planning often focuses on income, taxes, and lifestyle goals, but healthcare needs can play an equally important role in shaping the journey ahead. Long-term care planning helps individuals and couples prepare for the possibility of extended care needs later in life, while staying aligned with broader retirement priorities.  For many Second-Half Journeyers, the idea of long-term care feels distant or uncertain. However, planning for care is less about predicting specific outcomes and more about creating awareness and structure. Integrating long-term care planning into your Retirement Summit Map helps ensure that healthcare considerations are part of the overall climb, not an afterthought. 

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Learn how inflation planning in retirement supports thoughtful adjustments to income strategies as expenses change over time.

Staying Ahead of Inflation: Adjusting Your Financial Summit Map Over Time

Inflation is a steady force that affects purchasing power over time. While year-to-year changes may seem modest, the cumulative effect of rising costs can influence retirement income, spending decisions, and long-term planning. Inflation planning in retirement focuses on understanding these impacts and adjusting strategies as circumstances evolve.  For many retirees, inflation feels unpredictable. Expenses such as healthcare, housing, and everyday goods may rise at different rates. Planning that accounts for these changes helps support adaptability rather than reaction. 

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Learn how investment income alignment supports thoughtful retirement planning by coordinating investments with withdrawals, taxes, and lifestyle goals.

Trailhead Planning: Aligning Investments with Your Income Needs

As retirement approaches, financial planning begins to shift from accumulation to coordination. Many Second-Half Journeyers reach a point where saving is no longer the primary focus. Instead, the question becomes how investments support income needs throughout retirement. Investment income alignment plays an important role in this transition by connecting portfolio decisions to the income required for the next stage of life.  Beacon Wealth Management describes this stage of planning as Trailhead, the point where the journey becomes more active and direction matters. Trailhead Planning focuses on purpose-driven investing and smart tax awareness, helping retirees align investment strategy with how income will actually be used. 

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