Dawn of A New Norm

By John Halterman It’s a dawn of a new norm – West Virginia is opening back up, and so are we! As always, please don’t hesitate to call us at 304.626.3900. We’d love to set up an in-person meeting, phone or video call. We look forward to seeing you soon. 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.

In the Retirement Redzone, thoughtful planning becomes critical. Learn five key strategies for long-term financial stability.

Five Financial Building Blocks for the ‘Retirement Redzone’

For those in the “Retirement Redzone” — generally considered to be between the ages of 50 and 80 — planning for the future takes on new urgency and complexity. Approaching retirement, or being in its early stages, means it’s time to organize your financial picture in a way that supports both long-term stability and your personal retirement goals. At Beacon Wealth Management, we help individuals in this critical stage of life simplify their financial affairs and create a clear path forward, so they can enjoy more and worry less. To help you navigate this crucial time, we focus on

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Discover tax-efficient withdrawal strategies to help maximize retirement savings and minimize taxes for sustained income in retirement.

Tax-Efficient Withdrawal Strategies for Retirees

When you’re retired, having tax-efficient withdrawal strategies is key to protecting your savings and keeping a steady income flow. Taxes can eat into your retirement income if you’re not careful, so it’s important to understand how to withdraw from your accounts in a way that minimizes tax hits. In this article, we’ll explore different strategies to help you manage withdrawals smartly, so your savings last longer. While everyone’s financial situation is different, taking a tax-savvy approach to your withdrawals can really help maintain your financial health throughout retirement.

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A dynamic financial plan makes retirement tax planning easier to manage as federal and state laws evolve.

The Impact of Changing Tax Laws on Retirement Planning

In the world of personal finance, one thing’s for sure: nothing stays the same, especially when it comes to taxes. And that’s why retirement tax planning is so important. Tax laws change all the time, and these shifts can have a big impact on how you manage your retirement savings. Whether it’s how much you can withdraw or how your investments are taxed, staying on top of these updates is key. In this article, we’ll break down how changes in tax regulations could affect your retirement strategy, covering everything from savings to investment choices and overall financial prep for

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