Alterra Advisors

Leaving a Legacy – Plan by Default or Plan by Design?

Everyone has a plan. Whether you know it or not, everyone has a plan when it comes to leaving your hard earned wealth to the next generation – the government’s plan. They’ve made a host of default decisions for you. What taxes you’ll pay, how your assets will be divided and who’s in charge of… Read More »

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The ABCs of RSUs, ESPPs, ISOs – Get to Know Your Stock Incentive Programs

In our tech-heavy Pacific Northwest, many companies grant stock or stock options as part of an overall compensation package. These equity incentive programs can seem like a windfall but, as with any source of income, they must be carefully managed so they don’t disrupt your financial plan or create a major tax headache.

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Mechanics of Retirement – Where Does My Paycheck Come From?

For most of your working life, you’ve had paychecks deposited into your bank account on a regular basis to cover your living expenses, creating a 40+ year history of handling your finances in this manner. However, those regular paychecks from your employer suddenly stop when retirement begins. This brings up one of the most common questions… Read More »

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Estate Plan or Legacy Plan – Which Do You Have?

Every family wants to create a sound legacy for their children for the future, but too many skip the critical steps in the present to achieve those goals. And, it’s no simple matter. Business owners have a lot to think about when deciding when and how to transfer their assets to the next generation. What happens… Read More »

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The SECURE Act – 6 Changes You Should Know About

A summary of changes to long-standing retirement account rules.

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