Tetra Wealth Management

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Tetra Wealth Management Financial planning without the runaround, from a CFP® professional in Grosse Pointe Shores. Registration does not imply a certain level of skill or training.

Tetra Wealth Management LLC is a registered investment adviser in the State of Michigan.

10/29/2026

I've spent my career looking at how households handle their money, and the same problems kept showing up. Good people were paying for things they didn't need and missing the things they did, and they were handling their planner, lender, tax preparer and insurance agent on their own. So I built Tetra to fix that. You work with me directly, and if you already have an attorney, a CPA or an agent you like, I work right alongside them.



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Tetra Wealth Management LLC is a Michigan registered investment adviser.
Tetra Home Loans LLC NMLS 2640484. David Rakecky NMLS 2038252. Equal Housing Opportunity.
Tax services offered through Tetra Tax LLC.
Tetra Insurance Agency LLC.
Mortgage and insurance services are for Michigan residents.
The Tetra companies are under common ownership, so we earn more when you use more than one of them. That is a conflict of interest.
Tetra Home Loans and Tetra Insurance Agency are affiliated companies under common ownership. You never have to use one to use the other, and the homeowners policy needed to close a Tetra Home Loans loan comes from an outside agent.

10/25/2026

Will Social Security be there? Friday's Wall Street Journal ran five ideas to fix it. I went through each one, which ones actually move the date the reserves run dry, and what I think Congress ends up doing.

Then the part that matters for a plan: run it twice, once with the full benefit and once at 78 percent starting in 2033. If it still works at 78, you're done worrying. If it doesn't, you have a number you can plan around.

More on claiming age, plus a free tool that shows your check at every age from 62 to 70: https://thetetraplan.com/wealth-management/social-security/

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General information, not advice for your situation. Investing involves risk, including loss of principal.
Opinions are David Rakecky's own reading of the proposals and are not a forecast.
Social Security figures from the 2026 Trustees Report, the Congressional Budget Office and The Wall Street Journal (Oct. 23, 2026). Dates, rules and amounts change.
No result is projected or promised for any viewer.
David Rakecky owns Tetra Insurance Agency LLC, which is paid commissions on annuities. Tetra Insurance Agency LLC is a licensed Michigan insurance agency, license 0162836. We quote, place and review insurance only in the kinds of insurance where we hold an insurance company appointment. Annuity guarantees depend on the claims-paying ability of the issuing insurance company.
Tetra Wealth Management LLC is a registered investment adviser in the State of Michigan. Registration does not imply a certain level of skill or training. The Tetra Plan fee covers a written financial plan. Investment management is optional and billed separately. Affiliated Tetra companies are paid separately for mortgage, tax and insurance services, including commissions. Form ADV Part 2A is at thetetraplan.com.
Tetra Wealth Management LLC, Michigan registered investment adviser, CRD 329050. No specific financial result is promised.

07/31/2026

Tetra means four. Taxes, insurance, mortgages, investments. We picked the name because those are probably the four worst things to deal with, and the plan is to handle all four under one roof. People now have access to all the information they need to do this stuff themselves, so the suits-and-ties act is done. What's left is what clients actually care about: getting responsive service and not getting ripped off.

All Tetra companies (Tetra Wealth Management, Tetra Home Loans, Tetra Tax, Tetra Insurance Agency) are owned by David J. Rakecky. Tetra Wealth Management is compensated only by advisory fees. The mortgage and insurance companies earn commissions, disclosed to you in dollars. You are never required to use an affiliated Tetra company. Educational content, not individualized advice. Investing involves risk, including possible loss of principal. Advisory services offered through Tetra Wealth Management LLC, a Michigan registered investment adviser.

Tetra Home Loans LLC, NMLS #2640484. David Rakecky, NMLS #2038252. Licensed by the Michigan Department of Insurance and Financial Services.

Tetra Insurance Agency LLC is not yet licensed and is not offering or quoting insurance at this time.

07/30/2026

Every financial company says they put clients first. Here's how the industry is typically paid: insurance agents on the size of your premium, tax shops on volume when a return costs maybe a couple hundred dollars, mortgage pros on a transaction that happens maybe a couple times in your life, wealth managers on fees. Tetra is adding its last two services, insurance and taxes, and our answer is to show you the incentives. Commissions get disclosed in dollars, and nobody is required to use every service.

All Tetra companies (Tetra Wealth Management, Tetra Home Loans, Tetra Tax, Tetra Insurance Agency) are owned by David J. Rakecky. Tetra Wealth Management is compensated only by advisory fees. The mortgage and insurance companies earn commissions, disclosed to you in dollars. You are never required to use an affiliated Tetra company. Educational content, not individualized advice. Investing involves risk, including possible loss of principal. Advisory services offered through Tetra Wealth Management LLC, a Michigan registered investment adviser.

Tetra Home Loans LLC, NMLS #2640484. David Rakecky, NMLS #2038252. Licensed by the Michigan Department of Insurance and Financial Services.

Tetra Insurance Agency LLC is not yet licensed and is not offering or quoting insurance at this time.

07/29/2026

The four most annoying money tasks are coming under one roof at Tetra. We currently offer mortgages and wealth management, and we're expanding into taxes and insurance, including home, auto, life, disability, and umbrella policies. As a financial planner, coordinating with outside professionals is difficult, and clients get stuck talking to multiple people. Nobody will be required to use every service. It's a convenience and another option under one roof. Insurance licensing and tax setup are in progress now, with more updates soon.

All Tetra companies (Tetra Wealth Management, Tetra Home Loans, Tetra Tax, Tetra Insurance Agency) are owned by David J. Rakecky. Tetra Wealth Management is compensated only by advisory fees. The mortgage and insurance companies earn commissions, disclosed to you in dollars. You are never required to use an affiliated Tetra company. Educational content, not individualized advice. Investing involves risk, including possible loss of principal. Advisory services offered through Tetra Wealth Management LLC, a Michigan registered investment adviser.

Tetra Home Loans LLC, NMLS #2640484. David Rakecky, NMLS #2038252. Licensed by the Michigan Department of Insurance and Financial Services.

Tetra Insurance Agency LLC is not yet licensed and is not offering or quoting insurance at this time.

07/28/2026

About three years ago I went into business on my own. Everybody starts with optimism. Few people realize how hard it is to make money outside an employer. It taught me a lot about myself, my marriage, and how strong my wife's support has been. The businesses are doing well, I'm expanding into two more financial services, and I'm grateful for everyone who's been part of it, especially my early clients.

All Tetra companies (Tetra Wealth Management, Tetra Home Loans, Tetra Tax, Tetra Insurance Agency) are owned by David J. Rakecky. Tetra Wealth Management is compensated only by advisory fees. The mortgage and insurance companies earn commissions, disclosed to you in dollars. You are never required to use an affiliated Tetra company. Educational content, not individualized advice. Investing involves risk, including possible loss of principal. Advisory services offered through Tetra Wealth Management LLC, a Michigan registered investment adviser.

07/26/2026

I suspect a lot of people are paying too much for insurance. Not because the carrier is bad, but probably because agents are incentivized to sell expensive policies, which can mean over insurance. As I get onto the insurance platforms, I'll see behind the scenes, including how commissions work. I'll share what I find so you can make better decisions.

All Tetra companies (Tetra Wealth Management, Tetra Home Loans, Tetra Tax, Tetra Insurance Agency) are owned by David J. Rakecky. Tetra Wealth Management is compensated only by advisory fees. The mortgage and insurance companies earn commissions, disclosed to you in dollars. You are never required to use an affiliated Tetra company. Educational content, not individualized advice. Investing involves risk, including possible loss of principal. Advisory services offered through Tetra Wealth Management LLC, a Michigan registered investment adviser.

Tetra Insurance Agency LLC is not yet licensed and is not offering or quoting insurance at this time.

07/24/2026

Exam #6: passed.
Mortgage exam. Series 7. Series 66. Annuities. CFP. Now life and health insurance.
The application went to the State of Michigan today. Looks like about 10 business days to come back. Then comes the entity license: Tetra Insurance Agency.
While I wait, I start studying for exam #7, property and casualty.
Not offering or quoting insurance yet. Building it in front of you. Follow along.

All Tetra companies (Tetra Wealth Management, Tetra Home Loans, Tetra Tax, Tetra Insurance Agency) are owned by David J. Rakecky. Tetra Wealth Management is compensated only by advisory fees. The mortgage and insurance companies earn commissions, disclosed to you in dollars. You are never required to use an affiliated Tetra company. Educational content, not individualized advice. Investing involves risk, including possible loss of principal. Advisory services offered through Tetra Wealth Management LLC, a Michigan registered investment adviser.

Tetra Home Loans LLC, NMLS #2640484. David Rakecky, NMLS #2038252. Licensed by the Michigan Department of Insurance and Financial Services.

Tetra Insurance Agency LLC is not yet licensed and is not offering or quoting insurance at this time.

Address

Grosse Pointe Shores, MI
48236

Opening Hours

Monday 7am - 6pm
Tuesday 7am - 6pm
Wednesday 7am - 6pm
Thursday 7am - 6pm
Friday 7am - 6pm
Saturday 10am - 4pm

Telephone

+13135475773

Website

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