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


Should Corporations Have a Conscience?

By Joe Day

  For decades, it has been conventional wisdom in American business that the one proper objective of corporate managers is to increase the company’s share price. That is the principal behind stock options, which tie compensation to share price. Other considerations, such as worker satisfaction, civic engagement, or environmental impact, have been perceived as irrelevant, except to the extent that… 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


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


Commodities?!? Really!?

By Joe Day

How do you solve a problem like commodities? Sound of Music, anyone? Well, if you are not a fan of musicals, that is okay. Chances are at this point in the market cycle, you are probably not a fan of commodities, either. Commodity prices are clearly a hot-topic right now and not in a good way.  As anyone who owns commodities knows,… Read more


Are the Markets Scaring You?

By Joe Day

      Halloween is almost upon us and it seems the market is doing its part to spook investors.  As a result, many people may experience higher levels of anxiety regarding their investments. We prepared the following commentary as part of our most recent quarterly update to our clients.  We think it provides useful perspective. Market Volatility The global equity markets the past two… Read more


Backdoor Roth IRA’s – Are They a Good Idea?

By Joe Day

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. However, not everyone can contribute to a Roth IRA.  The… Read more


The Fed, Rising Rates and Senior Bank Loans?

By Joe Day

In the media there is a lot of talk about the Federal Reserve Board (“the Fed”) and its chairman, Ben Bernanke. The Fed is often charged with managing the country’s monetary policy. Monetary policy helps manage the amount of actual money in the financial system and helps establish interest rates for US borrowers. Currently, the Fed is taking extraordinary steps… 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.