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Retirement Income Planning at Beacon Wealth Management

Tailored Strategies to Align Your Retirement Income with Your Unique Lifestyle and Goals

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Our retirement income planning service focuses on creating a strategy tailored to your unique needs and lifestyle. We consider factors like tax efficiency, asset allocation, and distribution order, aligning your resources with your goals. By segmenting your savings, we aim to help structure a potential income stream to support your retirement journey.

Retirement Income Planning
Focused on Your Unique Goals and Needs

Create Reliable Income Streams

Retirement income planning helps to ensure you have consistent, predictable income to support your lifestyle and goals during your golden years.

Avoid Running Out of Savings

A thoughtful plan helps you manage your resources wisely, so your savings can last throughout your retirement, no matter how long it may be.

 

3. Plan for Rising Costs

With inflation and changing expenses, retirement income planning helps you stay ahead, ensuring your money keeps up with life’s increasing costs.

 

Enjoy Retirement with Confidence

By organizing your income sources, you can focus on enjoying retirement without constantly worrying about your financial future.

The Importance of Designating Beneficiaries

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The Importance of Designating Beneficiaries

When life gets hectic and your to-do list seems endless, it can be easy to let financial planning details slip through the cracks. However, updates to your designated beneficiaries on 401(k) plans, IRA accounts, and other retirement assets is vitally important.

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Smart Solutions for Every Stage of Your Financial Journey

Income Structuring
Organize and plan income sources to align with your lifestyle needs and retirement goals throughout your life stage.
Tax-Efficient Strategies
Analyze income and withdrawal options to reduce unnecessary tax burdens and align with long-term financial priorities.
Asset Allocation
Distribute savings across various investment types to support both growth and stability for sustainable retirement income.
Withdrawal Planning
Strategize the order and timing of withdrawals to balance tax impact and meet ongoing retirement expenses effectively.
Risk Assessment
Evaluate investment choices to align with your risk tolerance and retirement objectives, balancing growth and income needs.
Wealth Integration
Combine retirement income planning with overall wealth management to address lifestyle goals and intergenerational financial considerations.

LET’S HAVE A CONVERSATION

REQUEST YOUR 15 MINUTE DISCOVERY CALL TODAY!

Are you ready to plan your retirement income with a personalized approach? Request a 15-minute discovery call to explore tailored strategies for managing your income, addressing tax efficiency, and ensuring your resources align with your long-term goals and lifestyle.
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WV-BASED PROFESSIONALS HELP FAMILIES PLAN FOR THE FUTURE

Bridgeport, WV – May 14, 2025 – John Halterman and the Beacon Wealth Management team recently partnered with Seamon Law to host a special event designed to help people better understand the importance of estate planning and how it can protect their financial future. The event, Wisdom 2 Wealth: Estate Planning, took place at the Bridgeport-based Beacon Wealth Management office, bringing together clients, legal professionals, and financial guides for an informative session filled with practical tips and advice. Presented by Doreen Seamon, founder of Morgantown-based Seamon Law and a trusted voice in estate planning, the event offered valuable guidance

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Discover how proactive risk management for small business owners can strengthen your business’s future.

Risk Management for Small Business Owners: Safeguarding Your Financial Stability

If you’re a small business owner, you already know this lifestyle is not for the faint of heart! Risk is an inherent aspect of running any business, regardless of its size, and it may be something you think about on a daily basis – or something you should be thinking about more often. The truth is that small business owners face unique challenges when it comes to managing risks that could potentially impact their operations, finances, and reputation. When it comes to risk management for small business, it’s crucial that you implement effective strategies if you want to achieve

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Discover strategies for a sustainable retirement income plan. Learn methods for making your funds last throughout your golden years.

Sustainable Retirement Income: Strategies for Smart Withdrawal Planning

Reaching retirement is a milestone worth celebrating—it’s the time to finally enjoy the benefits of all your hard work. However, making sure your savings last requires both a sustainable retirement income plan and smart retirement withdrawal planning. The manner and timing of your withdrawals can have a significant impact on how long your savings will last. At Beacon Wealth Management, we understand the value of strategic withdrawal techniques and are here to help guide you through smart methods to make your savings work for you throughout your retirement.

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Retirement Income Planning
Frequently Asked Questions

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What is retirement income planning, and why is it important?

Retirement income planning is the process of structuring your financial resources to provide a steady and reliable flow of income throughout retirement. This involves addressing factors such as tax efficiency, asset allocation, and the order in which you withdraw funds. By planning carefully, you can align your income strategy with your lifestyle, goals, and financial needs, ensuring that your resources are managed effectively during this important phase of life.
At Beacon Wealth Management, we understand that no two clients are the same. We take a personalized approach, considering your risk tolerance, investment objectives, lifestyle, and long-term goals. Our process includes segmenting your savings into appropriate investment strategies, addressing tax implications, and structuring distributions in a way that aligns with your unique needs. This tailored approach helps to ensure that your retirement income plan is specific to your financial situation and aspirations.
Getting started is simple—schedule a 15-minute discovery call with our team. During this initial conversation, we’ll discuss your retirement goals, current financial situation, and the strategies we can use to create a customized income plan. This is an opportunity to learn more about our process and how we can support your financial journey.

READY TO ALIGN YOUR FINANCES WITH YOUR LIFE GOALS?

LET'S TALK.

Our discovery call is designed to connect and understand what you’re looking for in financial guidance. Let’s discuss your priorities and see if our approach aligns with your goals. Schedule your call to begin planning for what matters most.
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Wealth Portal Access

4565 Benedum Drive
Bridgeport, WV 26330

(304) 626-3900

[email protected]

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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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