One Plan. One Team. A Clear Path Forward.
When your financial life matters too much to leave to chance, you want a trusted guide who sees the whole picture. Alterra builds and guides one coordinated plan across your investments, protection, tax strategy, business, and legacy, so you can stay focused on what matters most.
The Problem with Most Planning
Most financial advice is fragmented. Financial planning here. Investments and insurance there. Tax and estate work somewhere else. And no one is truly connecting the dots.
Without a coordinated plan, decisions get made in isolation, leading to:
- Missed opportunities
- Conflicting strategies
- Uncertainty about whether everything is truly working together
At Alterra, we believe the best outcomes come from one plan, guided by one team, designed to evolve with you through every stage of your financial life.
The Alterra Approach: Guiding You Through Every Stage
One plan. One team. Every stage of your financial life. Whether you’re building wealth, enjoying financial independence, or planning your legacy, we keep your plan aligned with your life.
Build Wealth
This is the stage where good decisions compound, and the cost of uncoordinated ones adds up. Alterra builds and guides a clear plan to grow your wealth, protect your progress, and keep everything moving in the same direction.
We help you:
- Define clear financial targets and a strategy to reach them
- Coordinate your investments, savings, and risk protection into one plan
- Use tax-smart strategies to keep more of what you earn working toward your goals
The result? Clarity in your plan. Confidence in your direction. A stronger foundation for what comes next.
Learn More about Building Wealth
Build Wealth
- Defining financial independence targets tied to the lifestyle you want
- Creating an investment strategy aligned with your time horizon and comfort with risk
- Ongoing portfolio management and rebalancing
- Tax-smart investment strategy
- Managing concentration risk, including employer stock, real estate, and business equity
- Maximizing your employer retirement benefits
- Executive and deferred compensation planning
- Equity compensation and stock options planning
Protect
- Life insurance planning to protect your family and long-term goals
- Income protection and disability insurance analysis
- Emergency reserve planning
For Business Owners
- Designing and optimizing tax-sheltered retirement plans, including 401(k), Profit-Sharing, Cash Balance, and Defined Benefit plans
- Integrating business value into your overall wealth planning
- Key employee planning to protect business continuity and growth
- Buy-sell agreement planning and funding to address ownership changes due to death, disability, or exit
Enjoy Financial Independence
At some point, the question shifts from “Do I have enough?” to “Will this last?” Alterra builds and guides a plan to turn the wealth you’ve built into income you can rely on, with one team watching the whole picture as life unfolds.
We help you:
- Create a reliable income strategy you can depend on
- Coordinate withdrawals, investments, and tax planning
- Reduce uncertainty so you can make confident decisions
The result? Income you can trust. A plan you understand. Confidence in your future.
Learn More About the Foundation of True Financial Independence
Income & Distribution Planning
- Designing a retirement income strategy and stress-testing it over time
- Coordinating withdrawal strategies across accounts
- Social Security and pension analysis
- Ongoing cash flow and spending sustainability planning
Investment Risk Management
- Shifting portfolios from growth-focused to income-focused strategies
- Managing market volatility and downside risk
- Ongoing portfolio monitoring and adjustments
Tax Strategy
- Tax-efficient income planning
- Roth conversion analysis
- Required Minimum Distribution planning
- Coordinating planning with your CPA and tax professionals
Health & Long-Term Care Planning
- Planning for long-term care needs and funding strategies
- Medicare and healthcare cost planning
- Evaluating insurance versus self-funding options
For Business Owners
- Planning for business transitions and succession
- Creating flexibility around when and how you step back from the business
- Aligning business transition timing with your personal income needs
- Coordinating buy-sell execution and funding
- Key person and continuity planning during transition periods
Create a Legacy
The decisions you make now shape how your wealth supports the people and causes you love long after you’re gone. Alterra builds and guides a plan that protects what you’ve built, reflects your values, and brings your family together rather than apart.
We help you:
- Design a legacy that reflects your values
- Minimize taxes and preserve more for your family
- Create clarity to avoid confusion or conflict
The result? A family unified by your values. Causes strengthened by your generosity. A legacy worth remembering.
Learn More About What it Means to Create a Legacy
Charitable Planning & Strategy
- Clarifying your charitable goals and priorities
- Determining your desired level of involvement in giving
- Designing charitable strategies aligned with what matters most to you
Tax-Efficient Giving
- Establishing donor-advised funds
- Using charitable trusts when appropriate
- Gifting appreciated assets
- Making qualified charitable distributions
Integrating Giving into the Broader Plan
- Coordinating charitable goals with your income and estate planning
- Structuring multi-year or legacy gifts
- Involving family members in giving when desired
Start with the Alterra Assessment. Risk-Free.
Imagine knowing where you stand. Knowing what’s working. Knowing what to focus on next. And having one team watching the whole picture with you, every step of the way.
That’s what we build with every client, starting with the Alterra Assessment:
- A 90-minute discovery conversation to understand your goals and full picture
- A comprehensive review by our team across the areas that matter most
- A written report and walkthrough of what we found and what to focus on
The Alterra Promise: If the Assessment doesn’t give you meaningful clarity and a clear path forward, we waive the fee. That’s our commitment to you.
Learn More about Our Pricing, Process, and How the Alterra Approach Works
Start with the Alterra Assessment. Continue with the Alterra Partnership.
The Alterra Assessment
Every relationship at Alterra begins with the Alterra Assessment. It’s how you experience working with us before any long-term decision is made.
The Assessment is a flat fee of $3,500:
• If you continue with us: Your $3,500 fee is credited toward your first year of ongoing planning and wealth management.
• If you don’t continue: You still leave with your written report and a clear direction forward.
• The Alterra Promise: If the Assessment doesn’t give you meaningful clarity and a clear path forward, we waive the fee.
The Alterra Partnership
For clients who continue, the Assessment becomes the starting point of the Alterra Partnership, an integrated relationship where one team coordinates your investments, taxes, estate, insurance, and planning under a single plan.
Our ongoing service is delivered through a graduated annual fee based on the assets we manage:
| 1.00% | on the first $1,000,000 |
| 0.75% | on the next $1,000,000 |
| 0.50% | on the next $1,000,000 |
| 0.25% | $3,000,000-$20,000,000 |
| $20,000,000+ inquire, determined by services provided |
Please note, your comprehensive plan may require additional tax, legal, insurance, or investment services. We’ll discuss these potential costs as part of your fully integrated strategy evaluation and plan design process.
Let’s Build Your Plan. Together.
You don’t need more fragmented advice. You need one trusted team watching the whole picture with you, every step of the way.
Start with the Alterra Assessment. Experience what it’s like to work with us. Move forward with confidence.
About Our Client Testimonials
Alterra Advisors is focused on building relationships. And we truly care how our clients feel. Over the years, we’ve received a lot of feedback, and are proud to share it. We want you know all these comments adhere to a few simple requirements:
- Every testimonial was provided by a current client.
- No compensation is ever provided for client testimonials.
- Clients sharing these testimonials do not have any conflicts of interest.
Naturally, the featured remarks do not represent the experience of all clients and are no guarantee of future investment performance. To view all comments, visit our testimonials page.