# Alta Investment Group

> Alta Investment Group provides comprehensive financial planning, asset management, and real estate solutions — including 1031 exchanges, DSTs, TICs, and wealth management — for retirees, professionals, and business owners in California and beyond.

## About
- Firm: Alta Investment Group
- Advisor: Toni Sutherland, Series 7, Series 63, Series 65 — Founder & Principal
- Location: Aptos, CA
- Areas served: Aptos, CA, Santa Cruz, CA, Monterey, CA, Silicon Valley, CA, California, United States
- Phone: 831-688-7700
- Email: toni@altainvestments.com

## Services
- 1031 Tax Deferred Exchanges: Defer federal capital gains tax, depreciation recapture, and state income tax by exchanging one investment property for a like-kind replacement under IRC Section 1031.
- Delaware Statutory Trust (DST) Investments: Passive, 1031-eligible fractional ownership of institutional-grade real estate through a Delaware Statutory Trust — fully managed, no landlord duties, lower minimums.
- TIC Investments — Tenants in Common: Co-own a single real estate asset with an individual deeded interest that qualifies for 1031 exchange treatment under IRC Section 1031, with up to 35 investors.
- Wealth Management: Open-architecture portfolio management with access to leading asset managers including JPMorgan, Savos, Pacific, Beaumont, American Funds, and Altegris — coordinated with your complete financial plan.
- Financial Planning: Comprehensive planning across retirement income, 401(k), estate, tax, college savings, and money management — coordinated by an experienced fiduciary advisor.
- Insurance Solutions: Annuities, life insurance, and long-term care coverage to protect income and anchor a long-term financial plan.

## Pages
- [Alta Investment Group | Financial & Real Estate Solutions](https://www.altainvestments.com): Innovative financial planning, asset management, and real estate solutions — including 1031 exchanges, DSTs, and wealth management — for retirees, professionals, and business owners in California.
- [Our Company | Alta Investment Group](https://www.altainvestments.com/about/company): Alta Investment Group helps clients build financial stability, security, and independence through comprehensive, personal financial guidance. Learn about our commitment, principles, and promise.
- [Our Services | Alta Investment Group](https://www.altainvestments.com/about/services): A full menu of financial services — real estate investing, securities, financial planning, and insurance — delivered with the personal attention of a boutique advisory firm.
- [Our Team | Alta Investment Group](https://www.altainvestments.com/about/team): Meet Toni Sutherland, founder and principal of Alta Investment Group, and the asset management team serving clients across California and beyond.
- [Wealth Management | Alta Investment Group](https://www.altainvestments.com/asset-management/wealth-management): Open-architecture wealth management with access to leading asset managers including JPMorgan, Savos, Pacific, Beaumont, American Funds, and Altegris — coordinated with your complete financial plan.
- [1031 Tax Deferred Exchanges | Alta Investment Group](https://www.altainvestments.com/real-estate/1031-exchange): Step-by-step guide to executing a 1031 tax-deferred exchange — 45-day identification rules, 180-day closing deadline, qualified intermediaries, and how to defer capital gains tax on investment real estate.
- [Section 1031 of the IRS Code Explained | Alta Investment Group](https://www.altainvestments.com/real-estate/1031-code): A plain-English breakdown of Internal Revenue Code Section 1031 — what qualifies as like-kind property, who can use it, what does not qualify, and how the tax deferral mechanism works.
- [Delaware Statutory Trust (DST) Investments | Alta Investment Group](https://www.altainvestments.com/real-estate/dst): A Delaware Statutory Trust (DST) is a passive, 1031-eligible real estate ownership structure. Learn how DSTs work, their benefits, lower minimums, and key considerations for accredited investors.
- [TIC Investments — Tenants in Common | Alta Investment Group](https://www.altainvestments.com/real-estate/tic): Tenants in Common (TIC) lets up to 35 investors co-own a single real estate asset with an individual deeded interest that qualifies for 1031 exchange treatment under IRC Section 1031.
- [Direct Real Estate Investment via LLC | Alta Investment Group](https://www.altainvestments.com/real-estate/direct-llc): Pool capital with other accredited investors through a Limited Liability Company to access institutional-quality real estate with limited personal liability and pass-through tax treatment.

## FAQ
- Q: What is a 1031 tax-deferred exchange?
  A: A 1031 exchange lets you sell investment real estate and reinvest the proceeds into a like-kind replacement property, deferring federal capital gains tax, depreciation recapture, and most state income taxes. You must identify a replacement property within 45 days and close within 180 days of the sale.
- Q: What is a Delaware Statutory Trust (DST)?
  A: A DST is a legally recognized trust that holds title to real estate on behalf of its investors. The IRS classified DST beneficial interests as eligible replacement property for 1031 exchanges in Revenue Ruling 2004-86. DSTs are fully passive — a professional trustee handles all management.
- Q: What is the difference between a TIC and a DST?
  A: Both allow fractional ownership of real estate and qualify for 1031 exchange treatment. A TIC gives each investor a separately deeded interest with up to 35 co-tenants; major decisions typically require unanimous consent. A DST issues beneficial interests in a trust — fully passive, with a trustee making all decisions, and no limit of 499+ investors.
- Q: What services does Alta Investment Group offer?
  A: Alta offers a full spectrum of financial services including 1031 exchanges, DST and TIC investments, direct real estate via LLC, wealth management, retirement and financial planning, securities accounts (IRAs, 401(k), brokerage), and insurance solutions including annuities, life insurance, and long-term care.
- Q: Is Alta Investment Group a fiduciary?
  A: Toni Sutherland holds Series 7, 63, and 65 registrations and is affiliated with Emerson Equity LLC (Member FINRA & SIPC). She is held to the standards of a registered representative and investment adviser representative — always acting in her clients' best interests.