Is a Backdoor Roth IRA a Good Strategy for Me?

By Luke Collova

  Many people are aware of the benefits of a Roth IRA: you put your after-tax money into it, after 20 or 30 years when you retire, you pull all of the money out tax-free.  This can be a big benefit when you consider the effect of compounding returns over time. There are other benefits such as that you may… Read more


Social Security Benefits for US and Non-US Citizens

By Joe Day

  Who is eligible for benefits? Social Security is a significant payroll tax as well as an important source of retirement income for many US and non-US citizens, alike. Workers pay into Social Security while they are working and receive the benefits when they retire. The size of Social Security benefits depends on your earnings history as well as when… Read more


What Do I Need to Know About Medicare?

By Joe Day

(Credit for this post goes to Rehberg Law Group. More information about Rehberg Law Group can be found at the bottom of this page.) “How can I clear up the confusion surrounding Medicare for myself or my parent(s)?”  If that is your concern and with open enrollment right around the corner, retirees will be inundated with advertisements regarding their insurance… Read more


2017 Estate Tax and Planning Update

By Joe Day

  Our friends at Helsell Fetterman have prepared a 2017 Estate Planning Update which we are providing below.  Helsell Fetterman is a local law firm located in Seattle, WA, whose Estate Planning and Probate group is headed by Laura Hoexter.  Her group maintains expertise in many areas, including estate planning, trust administration, generation skipping transfers, and family business succession planning…. Read more


College Expenses Covered by 529 College Savings Plans?

By Joe Day

  College is expensive. Being prepared and putting money aside in a qualified 529 college savings plan can help you get ready for the onslaught of expenses you and your child will face when your child is ready to leave home for the college experience. Our friends at American Funds have put together a summary list of qualified and non-qualified distributions… Read more


 

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bio3Joe Day, CFA is the Founder of Bear Mountain Capital. Joe started the company after spending many years advising high net worth clients with a leading global wealth management firm. Joe earned the right to use the CFA designation from the CFA Institute in 2011. He also holds a degree in Business Administration, with a Major in Finance from Gonzaga University.

Luke Collova is an Investment Advisor Representative for Bear Mountain Capital focusing on planning, investment strategy, client development and operational support. Luke’s prior career included providing commercial insurance coverage for a global insurance firm. Luke maintains his Series 65 license and holds a degree in Business Administration, with an emphasis on Finance and International Business from the University of Puget Sound.