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 tax efficiency in retirement supports coordinated income planning and helps align financial decisions over time.

Navigating Tax Efficiency: How to Keep More of What You’ve Earned in Retirement

Retirement often introduces a more complex tax picture than many people expect. Instead of a single paycheck, income may come from multiple sources, each with different tax treatment. Tax efficiency in retirement focuses on understanding how these pieces work together and how timing decisions can influence tax exposure over time.  For many Second-Half Journeyers, taxes have historically been a year-end consideration. During retirement, they become an ongoing planning factor that affects income choices, spending flexibility, and legacy considerations. Taking a coordinated approach helps reduce surprises and supports more intentional decision-making. 

Read More â–ş
Learn how retirement tax planning strategies support thoughtful income decisions and long-term alignment during the second half of life.

Smart Tax Planning for the Second Half of Life

As retirement approaches, taxes often become a more visible part of financial planning. While income during working years may have been relatively predictable, retirement introduces new variables that affect how and when taxes are paid. Retirement tax planning strategies help individuals and couples evaluate how income sources, withdrawals, and timing decisions interact over the long term.  For many Second-Half Journeyers, tax planning has historically focused on filing returns rather than shaping future outcomes. In retirement, the focus often shifts toward understanding how tax exposure may change and how planning decisions today can influence flexibility in the years ahead. 

Read More â–ş
Retirement withdrawal planning focuses on coordinating income sources and timing decisions to support steady cash flow throughout retirement years.

Creating Reliable Retirement Income Through Strategic Withdrawals

Transitioning from saving to spending is one of the most significant financial shifts retirees face. During working years, the focus is often on accumulation. Retirement introduces a new challenge of turning savings into income in a thoughtful and coordinated way. Retirement withdrawal planning plays an important role in helping individuals and couples understand how to draw from their resources while supporting long-term priorities.  Many retirees hold assets across multiple account types, each with different tax treatment and rules. Without a clear withdrawal strategy, income decisions may feel uncertain or inconsistent. Retirement withdrawal planning helps bring structure to this process by aligning income needs with

Read More â–ş

Join Our Mailing List

Stay in the loop with exclusive financial insights and updates! Join our mailing list today to receive the latest news and tips from Beacon Wealth Management.

Skip to content