Investment/Portfolio Management

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As we approach the end of 2025, here are a few simple tax saving tips to lighten the burden when you file your taxes next April!
Max out your 401(k)
Your max for 401(k) accounts in 2025 is $23,500 if under age 50 and $31,000 if age 50 or older. These accounts generally must be funded from your paycheck before

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We’re thrilled to announce that Alterra Advisors has been named the #1 Best Workplace in Washington by the Puget Sound Business Journal for the second year in a row!
This back-to-back honor is especially meaningful because it’s based entirely on feedback from our team. PSBJ’s annual Best Workplaces program surveys thousands of employees across the region, recognizing companies that foster

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Mark and Susie Donovan spent decades building a thriving construction supply company—and with the business running at peak performance, they knew it was time to begin planning their next chapter. What they didn’t know was how much complexity that transition would involve.
Their questions were clear:
  • How do we reduce taxes before and after the sale of the business?
  • Will

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On July 4, 2025, congress signed H.R.1, the “One Big Beautiful Bill Act,” into law. It makes many of the 2017 Tax Cuts and Jobs Act (TCJA) provisions permanent, extends others, and introduces a handful of new rules.
Whether you’re retired, building a business, or planning a legacy, here’s what’s changing—and what’s worth a closer look.
Income Taxes
The bill

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When markets drop, it doesn’t just rattle numbers on a screen. It stirs up real emotions. Anxiety. Doubt. The very natural urge to protect what you’ve worked hard to build.
If you’ve found yourself wondering, “Should I step out and wait until things calm down?”—you’re not alone. That reaction is completely understandable. In fact, it’s one we hear often, especially

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Washington State is rolling out major changes to its estate and capital gains tax laws starting in 2025. These updates could significantly impact how your assets are taxed—whether you’re selling appreciated investments, planning your estate, or preparing for the future.
Understanding what’s changing—and how to adjust your strategy—can help you avoid costly surprises and keep more of what you’ve worked

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For Eleanor and Jim Watkins, retirement wasn’t just about stepping away from work—it was about stepping into a new role as grandparents, mentors, and legacy builders.
They had worked hard, saved diligently, and supported their family every step of the way. With their children grown and successful, their thoughts began to shift from “Do we have enough?” to “What kind

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Staying the Course: How Time Turns Volatility into Growth
If you’ve been a long-term investor, you’ve likely experienced the ups and downs that come with the territory. The phrase, “stay the course” is something you’ve liked heard countless times. Markets rise, they fall, and over the years, patterns emerge. Yet even with that experience, it’s still easy to feel unsettled

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