Buying Real Estate in Seattle? In San Francisco?

By Luke Collova

  Our clients often ask us about real estate, and what we think about buying or selling a primary residence, a vacation home, or an investment property. This is hardly surprising—for many of our clients, their family home is by far their largest asset. What’s more, most of our clients live in either the Seattle or San Francisco areas, both… Read more


What Does Tax Reform Mean To You and Your Portfolio?

By Joe Day

Congress and the President recently passed the biggest tax reform in over 30 years. The Tax Cuts and Jobs Act of 2017 aims to make the United States corporate tax rate more competitive and therefore increase corporate investment domestically. The bill also provides for individual tax breaks beginning in 2018, that will expire at the end of 2025. What Does… Read more


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


Owning Your Company’s Stock

By Joe Day

  Currently, one of the nation’s biggest banks, Wells Fargo, is in the middle of a serious scandal. The company fraudulently opened extra customer accounts without their consent or knowledge in order to boost revenue. (Click here to read story) Prior to the latest news, Wells Fargo was considered to be one of the darlings of Wall Street. Warren Buffett, a major… Read more


What is Dollar Cost Averaging (DCA)?

By Luke Collova

  The global investment community has been focused on the recent vote by the UK to leave the European Union, broadly referred to as the “Brexit.”  This historic event will have economic impacts on the UK and the European Union, as well as their trading partners.  Unsurprisingly, equity markets experienced sharp declines in the days following Brexit and have since… Read more


College Planning and Financial Aid

By Joe Day

  If you have children nearing high school, you may feel anxious as you prepare to help pay for college expenses. Some mitigate this feeling by starting the planning process early by opening and funding college savings accounts (529 savings plans). Those who get a jump start, carve out a piece of their monthly cash flow, put it aside and allow it grow as… Read more


 

View 360° is a blog about investing and planning, created
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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.