Tetra

The Multimillionaire Roadmap.

Most advisors won't take you until you're already wealthy. I help you get there.

For Grosse Pointe families with kids at home: a twelve-month financial overhaul that puts you on track for the life you've earned. Retirement, taxes, cash flow, the mortgage, insurance, college and your estate, all in one plan.

The Multimillionaire Roadmap is a twelve-month financial planning service from Tetra Wealth Management. Outcomes are not guaranteed.

Get your One-Page Plan, free

Free first hour. Then $6,000 for the twelve months, or $600 a month with no term. Four new families a month.

CFP® professional · Mortgage broker · Tax preparer · Licensed insurance agent · Grosse Pointe Shores

Is this you?

Built for one kind of household.

It's for you if

You live in Grosse Pointe Shores, Farms, Park, Woods or the City, with kids at home.
You think you're contributing enough to your 401(k), but you aren't sure.
You're still paying student loans and can't tell whether the extra money should go to the loans or to retirement.
You've heard you should have life insurance, and you have some through work, but you don't know whether you need more or how much.
You want a coordinated plan done for you. You're too busy, or you'd rather not figure it out alone.

It isn't if

You want stock picks or someone to beat the market.
You prefer to do everything yourself, don't take advice well, and won't act on the advice you're given.
You already have an advisor who does detailed financial planning, and you're satisfied with the service.
You're already retired and living off the accounts. That's a different plan with a different fee. Call and I'll point you to it.

Why this exists

You're already doing the hard part.

You make good money and you work hard for it, and you're growing a family at the same time. You have a handle on things, and it's working. It could be working a lot better, and you know it, but there's never time to dig in.

Your attention goes back where it belongs: your family, your leisure and your work.

It all works fine, right up until it doesn't.

A death, a job loss, a market crash, a disability. That's when the gaps show up, and by then they're expensive. The Roadmap finds them first.

76%Adults with no will. If both parents die without one, a probate judge decides who raises the kids.Caring.com, 2025

30%Households that would struggle financially within a month of losing a wage earner.LIMRA, 2023

41%Six-figure households whose retirement savings are not on track.Federal Reserve, 2025

Step one, free

The free hour, and the One-Page Plan.

Book a time below. I'll call you that day for ten minutes and send a secure link for your latest retirement statement, last year's tax return and your mortgage statement. Insurance policies too, if you can find them.

I do the work before we meet. You leave with a concrete list of steps to improve your finances, in order, with dollars attached where they can be counted. It's yours to keep, whether you work with us or take it to your own professionals.

You also get my verdict: whether working with us makes sense, or whether you should keep doing what you're doing.

Book.Two minutes, below.
Ten-minute call.Same day. The upload link follows.
The free hour.In person in Grosse Pointe, or on Zoom. You leave with the page.

Pick a time

What the page looks like

A Grosse Pointe Woods household. Two incomes, two kids, house bought in 2022.

Ask the servicer to drop PMI. The house is past 20% equity.$212 a month
Reset both W-4s. Last year's refund shows up in your paychecks instead.+$63 a week
Homeowner's policy: overpaying at current market rates, and under-insured after three years of appreciation. Re-shop it and raise the dwelling coverage.Re-quote in hand
At the current savings rate, retirement won't fund the income you described. Raise contributions from 6% to 15% and use the Roth 401(k) your employer offers.6% to 15%
Get out of the target-date fund at work. Replace it with the allocation provided.Allocation provided
The backdoor Roth conversion was misreported. File an amended return.Refund due

Verdict: based on what we found, there's room to substantially improve this household's finances over the next twelve months, and the value of doing it runs well past what the program costs.

Illustration of the format, not a client. Your page shows your numbers.

If you say yes

Twelve months. One plan.

Most advisors hand you a plan and a list of people to call. Then it sits in a drawer. Here, the planning, the mortgage, the return and the coverage are handled under one roof, or alongside the professionals you already have.

The goal is to take as little of your time as possible and put the heavy lifting on the firm. Before each meeting you get a short task list and a questionnaire, and we do everything that doesn't need you. Meetings are short and to the point. Evenings, weekends and odd hours are fine. Your part: send the documents once, answer the questions we hand you, show up when a meeting needs you.

Plan.: Tetra Wealth ManagementThe firm you engage for the financial planning itself. It also acts as an investment adviser, offering investment management to its clients. Moving assets is not required for the Roadmap.
Lend.: Tetra Home LoansA mortgage brokerage with wholesale pricing from many lenders instead of one bank's rate sheet, which is why the rate is often lower than a retail quote.
File.: Tetra TaxTaxes are the biggest cost you can control, and they touch every investment and retirement decision you make. Tetra Tax prepares and files returns for our clients.
Insure.: Tetra Insurance AgencyMore than 100 insurance companies, compared on price, on what the policy actually covers, and on how each company handles claims: how fast they pay and how often they push back. Re-shopped when the market moves, not just the day a policy is sold.

The planning fee covers the plan, and investment advice is part of it. Having the firm manage your assets is a separate service with its own fee, and moving assets is never required. Lending, tax preparation and insurance are separate, optional, and offered through Tetra's affiliated companies, which earn commissions on those services.

An example schedule, starting in October

This is an example, not the plan. The order is set by what you need first, and the scope is your whole financial life, not just what's listed here.

October to December: the sweep

The heaviest stretch, and where most of the dollars get found.

Insurance review. Every policy, priced and compared.
Mortgage analysis. PMI, property taxes, the refinance number.
Budget waste audit. Subscriptions, fees, forgotten renewals.
W-4 fix and year-end tax moves. Before December 31.
Investment triage. What you own, what it costs, what's missing.
Benefits and open enrollment. Health plan, HSA, the match.
Your Financial Book, first edition. See below.
Day-90 statement. What the sweep found, in dollars, in writing.

The Financial Book

Every account, policy and loan, where it is and who to call. The will, the trust, the beneficiaries and the powers of attorney, checked against each other. Where the passwords live. And a first page for the person who didn't handle the money, so if something happened to you tomorrow, your spouse opens one thing and knows what to do. Refreshed every year. Yours to keep.

January to September: one theme a month

The themes, in brief. Each month goes a lot deeper than a line on a page.

January: Cash flow. Where last year's money went, what this year's is for, savings automated.
February: Tax season starts early. Documents in, return under way, no April scramble.
March: Return filed. Withholding reset so next April is a non-event.
April: The plans at work. Fund lineup, the match, Roth or pre-tax, contribution rate.
May: Coverage. Life and disability sized to the household, umbrella, home and auto re-quoted.
June: Mid-year investments. Is the mix still right, what are you paying in fees, and does anything need to move.
July: Financial Book refresh. Estate documents, beneficiaries, the inventory.
August: The kids. 529s funded and invested right, a real number for college to plan around, and trusts where they make sense.
September: Mortgage and debt. Rate check, refinance math re-run, payoff strategy.
October: Annual review. Net worth then and now, and the sweep again for year two.

Life doesn't wait for the calendar.

A new baby, a bonus, a job change, an inheritance, a layoff, or the itch to move and buy a bigger house. When it happens, it goes to the top of the list, whatever month it is.

The terms

The price, and the guarantee.

The twelve-month program

$6,000

$3,000 to start, $3,000 at month six.

The Tetra Value Exceeds Fee Guarantee

If at any point you don't believe the value you've received exceeds the fee, say so. You will be refunded, no questions asked.

Or month to month

$600

Per month. No term.

Cancel any time, no obligation to continue. Paying monthly costs $1,200 more over the year and doesn't carry the guarantee.

For scale: a household with $600,000 invested pays about $6,000 a year to an advisor charging the usual 1%, and gets the investment account managed. Financial planning often isn't included. The Roadmap is the same money for the whole plan, and your accounts stay where they are.

Everything is yours to keep.: The plan, the Financial Book, every document and every recommendation. If you leave, it all goes with you.
Four new families a month.: That's the capacity to do this properly. The first ninety days are heavy, so I don't take more than four.
No asset transfers required.: Your accounts stay where they are unless you decide to move them.

Start with the free hour

David and Danielle Rakecky with their son

Who's asking

I live here too.

I'm David Rakecky, CFP®. I live on Lakeshore with my wife Danielle and our new son.

I've spent my career looking for the waste and the inefficiencies in a household's finances: the fee nobody questioned, the policy nobody re-shopped since the day it was sold. Seeing the same things over and over is why I started my own firm. The goal is to make your life easier and get you the services you actually need, and none you don't.

You deal with me directly. Whatever can be done for you, I do, including the phone calls to chase down information and the back and forth with the professionals you already have.

Tetra Wealth Management is a registered investment adviser in Michigan.

Step one

Pick a time for the free hour.

I'll call you the same day for ten minutes, then send the upload link. In person in Grosse Pointe, or on Zoom.

Would rather talk first? Call or text 313-547-5773, or leave your number below and I'll text you back today.

Not ready to pick a time?

Leave your number. I'll text you today.

Tetra Wealth Management LLC is an investment adviser registered with the State of Michigan (CRD 329050). Advisory services are offered only where the firm is registered or exempt from registration. The Multimillionaire Roadmap is a financial planning service. No outcome is promised or guaranteed. Investing involves risk, including possible loss of principal. The planning fee covers financial planning only and does not include mortgage, insurance or tax preparation services. Investment management, in which you move assets into accounts managed by Tetra Wealth Management, is a separate service with its own fee and is not required for the Roadmap. Affiliated Tetra companies may earn commissions or fees if you choose to use them for those services; any such compensation is disclosed to you in writing, in dollars, before you decide. The six-month guarantee applies to the planning fee only. Nothing on this page is investment, tax or legal advice.