Alterra Advisors

The Mega Backdoor Roth – A Hidden 401(k) Benefit

Microsoft led the way in a rarely utilized benefit within their 401(k) plan – the after-tax Roth conversion. And, slowly but surely, other companies are adopting this plan feature. So, how does it work, what other companies offer it and is it worth it?

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Can Losses Increase My Investment Return?

No one likes a seeing their investments lose value. But, as advisors, we ask what opportunities exist in any situation, including market downturns. One such opportunity is called tax-loss harvesting. We discuss what it is, how it can help and when you might consider using it.

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CARES Act and Tax Deadlines – 6 Coronavirus-Related Changes to Know

With so many feeling the effects of the COVID-19 quarantine, federal and state governments are moving to help. Here are a few of the notable tax deadline changes and stimulus efforts in the recent Coronavirus Aid, Relief, and Economic Security (CARES) Act. Tax deadlines, IRA & RMD changes, stimulus efforts, small business relief options and more.

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Turning Taxes Into Opportunities

Can taxes really be turned into opportunities? We discuss a few strategies!

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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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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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