Tetra Wealth Management

Tetra Wealth Management Fiduciary wealth management for Grosse Pointe families. Led by David Rakecky, CFP®. The only CFP and mortgage broker in the Pointes. CRD #329050.

04/14/2026

Affluent retirements aren’t about running out of money overnight.

The real risk is structural misalignment between portfolio design and lifestyle reality.

Contact me and make sure your income-first structure keeps volatility manageable.


03/19/2026

Comparing yourself to rented cars, rented homes, or debt-funded vacations guarantees frustration.
The loudest in the room often aren’t the wealthiest.

Contact me and make sure your spending aligns with your real financial goals.


03/18/2026

For affluent families, retirement income comes from RMDs, dividends, capital gains, and Social Security.
Tax-aware strategies like Roth conversions, harvest gains, and IRMAA management make your income last longer.

Contact me and ensure your portfolio is structured to minimize taxes.


03/17/2026

Separating income from growth is key.
Stage several years of income in stable assets to fund lifestyle without touching equities.
The remaining capital stays invested for long-term growth, aligned with your withdrawal rate.

Contact me and make sure your portfolio is structured correctly for reliable income.


03/15/2026

Most high-net-worth portfolios are still built for growth, not income.
In retirement, the objective shifts: fund your life reliably while managing volatility.

Contact me and make sure your portfolio delivers durable income for your lifestyle.


03/13/2026

A properly designed retirement portfolio doesn’t disappear at death like a pension or annuity.

It funds your lifestyle, absorbs volatility, and remains transferable to heirs.

Contact me and make sure your portfolio preserves flexibility for your family.


03/11/2026

Fixed expenses make retirement real.

Taxes, property upkeep, travel, and healthcare must be covered, not assumed.

Contact me and make sure your portfolio matches your real-world costs.


03/10/2026

Many retirees cut stock exposure after a downturn because volatility suddenly feels dangerous.

Contact me and make sure your retirement plan is structured before the next decline forces a bad decision.


03/08/2026

For many families in Grosse Pointe retirement is not about whether they can retire.
It is about avoiding early structural mistakes that quietly reduce flexibility for decades.

Review the retirement structure early. Fix it before the mistakes compound.


03/06/2026

For many higher net worth households Social Security is not about cash flow.
It is about protecting long term income and the surviving spouse.

If you are within a few years of claiming Social Security have the strategy reviewed inside the full retirement plan before the decision becomes permanent.


03/05/2026

Up north. Florida. The lake house.
Ownership is common. Coordination is not.

If your estate plan hasn’t been updated to reflect current property values and intentions, correct it now.

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

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