Alterra Advisors

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.

Couple staying the course

The Alterra Approach: Guiding You Through Every Stage

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.

Alterra Retirement Readiness Guide
Learn More About What it Means to Create a Legacy

Family Wealth Planning

  • Structuring inheritances across generations
  • Planning for unequal inheritances when appropriate
  • Education funding for children and grandchildren
  • Preparing for family conversations around wealth and legacy

Estate Planning Coordination

  • Assessing and planning for estate tax exposure
  • Designing gifting strategies and lifetime transfers
  • Aligning beneficiary designations and account titling
  • Coordinating advanced estate strategies with your legal and tax advisors
  • Keeping plans current as laws and family dynamics change

For Business Owners

  • Coordinating business interests within your estate plan
  • Planning for family involvement in the business
  • Addressing situations where some heirs are involved in the business and others are not

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: Your Assessment will give you a clear picture of where you stand and what to focus on next. If we don’t deliver, we waive the fee. That’s our commitment to you. Read the full Alterra Promise.

Alterra Advisors - One plan, one team.
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 your Assessment doesn’t give you a clear picture of where you stand and what to focus on next, we waive the fee. Read the full Alterra Promise.

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.

Schedule Your Conversation

"Can’t say enough about Alterra! Wow! Every person at Alterra Advisors has the same values of integrity in dealing with my concerns."

—Jodi

"I have been so pleased with the professionalism, friendly staff and knowledge that Alterra provides. I always feel that they are working hard to protect and invest my money wisely."

—Brian

"I have been so grateful for the guidance we have received from Alterra and fully trust this team to make beneficial decisions on our behalf."

—Nancy

"In the approximately 11 years I have been a client, I have felt I was in the hands of the most caring and trustworthy group of people…"

—Maureen

"Alterra has been guiding us through a new and complex financial chapter in our lives. I deeply believe they put our needs ahead of their fees. That's a rare find in the financial services sector."

—Leah

"…we can count on them to help us make financial decisions that are right for our family. Alterra has given us peace of mind knowing we will be able to live comfortably…"

—Pamela

"Every person, without exception, has been responsive to our needs, diligent in communication, and responsible stewards of our finances. We have utmost trust in their recommendations…"

—Barb

"Alterra Advisors are very, very good at what they do. They have expertly helped us with our personal and business scenarios."

—Gary

"Alterra Advisors are absolutely the best. I have been with this group for several years and would not be where I am today without their guidance and help."

—Brenda

"They take time to understand your short and long term goals, map out your current financial health, and provide a holistic approach to ensure you're on track to meet your goals."

—Isaac

"Can’t say enough about Alterra! Wow! Every person at Alterra Advisors has the same values of integrity in dealing with my concerns."

—Jodi

"I have been so pleased with the professionalism, friendly staff and knowledge that Alterra provides. I always feel that they are working hard to protect and invest my money wisely."

—Brian

"I have been so grateful for the guidance we have received from Alterra and fully trust this team to make beneficial decisions on our behalf."

—Nancy

"In the approximately 11 years I have been a client, I have felt I was in the hands of the most caring and trustworthy group of people…"

—Maureen

"Alterra has been guiding us through a new and complex financial chapter in our lives. I deeply believe they put our needs ahead of their fees. That's a rare find in the financial services sector."

—Leah

"…we can count on them to help us make financial decisions that are right for our family. Alterra has given us peace of mind knowing we will be able to live comfortably…"

—Pamela

"Every person, without exception, has been responsive to our needs, diligent in communication, and responsible stewards of our finances. We have utmost trust in their recommendations…"

—Barb

"Alterra Advisors are very, very good at what they do. They have expertly helped us with our personal and business scenarios."

—Gary

"Alterra Advisors are absolutely the best. I have been with this group for several years and would not be where I am today without their guidance and help."

—Brenda

"They take time to understand your short and long term goals, map out your current financial health, and provide a holistic approach to ensure you're on track to meet your goals."

—Isaac

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.