Financial Advisor / Wealth Management

Stock market swings are always unsettling, whether you’re decades or months from retirement. But when it comes to recovering from market volatility, timing makes all the difference. As you accumulate, average return matters more than volatility. Assuming the same average return and no withdrawals, your portfolio results will be the same regardless of the order of your gains and losses.

How much could my family lose to estate taxes when I pass?
Fear of losing family wealth to estate taxes often weighs heavily when planning to pass your assets to future generations. The estate tax can be confusing and frustrating, wondering how many different taxes there are, how much you might have to pay, and what you can do about

Once you’ve saved enough to retire, the question of where to retire is a frequent next discussion. What’s the best state to live this next phase of life? A quick internet search leads to…confusion. Each article conflicts with the next. Why? Well, there is no BEST state to retire. It all depends on what’s most important to you. You might

What’s the value of partnering with a Financial Planning and Wealth Management team like Alterra Advisors?
This is a frequent question we hear in conversations when someone is considering hiring an advisor. And it’s an important one! We believe that, for the right family, our team can add value by working as an expert guide, navigating important wealth decisions with

We hope you’ve had a great first quarter of 2023! In this quarter’s Market, Economy & Portfolios in 20 Minutes, we discuss:

  • The strong start for the market and how we’re recovering from last year’s downturn.
  • Where inflation and interest rates are headed.
  • How the Silicon Valley Bank and related banking issues affect the risk of recession.
  • Planning themes to

Do you have company stock in your 401(k)? You might if you spent your career at a large employer. If so, you might be able to save a significant amount in taxes when you retire using a tax strategy called Net Unrealized Appreciation (NUA).
NUA allows you to transfer company stock into a taxable brokerage account and pay the lower

Imagine you’re on a walk with wealthy friends and they talk about the struggle they’re having in deciding what to do with their wealth when they’re gone. They want to leave a compelling legacy, both financially and personally, but they aren’t sure how to go about it.
To quote Spiderman (well, his uncle Ben, if we want to get picky),

Imagine you’re on a walk with wealthy friends and they talk about the struggle they’re having in deciding what to do with their wealth when they’re gone. They want to leave a compelling legacy, both financially and personally, but they aren’t sure how to go about it.
To quote Spiderman (well, his uncle Ben, if we want to get picky),