Alterra Advisors

Your House is Your Home, Not an Investment

“Why are you throwing away money on rent when you could own?” Have you ever heard this? Its core assertion is that renting a home is an expense while owning a home is an investment. For most homeowners, however, this is unlikely to be the case.

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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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Backdoor Roth IRAs – What Are They and Are They Worth It?

Roth IRAs are one of the few ways to build tax-free retirement income. And with a long retirement time frame, they can build quite the snowball. But, if you make too much income, the IRS won’t let you contribute. Fortunately, for many, the Backdoor Roth IRA can help…so is it worth the extra effort?

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Correction, Bear Market, Recession…What Do They All Mean?

When the market is up, terms like bull market and economic expansion pass by without concern. But when the market turns down, terms like correction, bear market and recession add confusion to uncertainty and increase anxiety. But, what do these terms actually mean?

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Should you really stay the course?

Whether you’re retired and living on portfolio income or just starting your investment journey, big market swings are always unsettling. So why do you always hear that you should “stay the course” or “ride it out” when it comes to the stock market, volatility and long-term investing? To some, it probably sounds like a standard… 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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