Retirement Income Calculator

Retirement Income Calculator

See How Tetra’s Strategy Boosts Your Retirement Income Beyond the 4% Rule

Plan Your Retirement

Portfolio Size
Income Goal
$
Your investable wealth (pre-tax).
%
Typical range: 0.8%–1.5%.

Tetra Annual Income

$0 (Pre-Tax)

Gross: $0

Fee: $0

4% Rule Annual Income

$0 (Pre-Tax)

Gross: $0

Fee: $0

Annual Income Difference

+$0/yr (Pre-Tax)

Tetra’s strategy vs. 4% Rule with fees.

Unlike the rigid 4% Rule, Tetra’s dynamic strategy unlocks higher income in strong markets, scaling back in downturns to shield your wealth.

Tetra Portfolio for Annual Income

$0 (Pre-Tax)

Gross: $0

Fee: $0 (nets to target)

4% Rule Portfolio for Annual Income

$0 (Pre-Tax)

Gross: $0

Fee: $0 (nets to target)

Portfolio Difference

-$0 needed (Pre-Tax)

Tetra’s strategy vs. 4% Rule with fees.

Unlike the rigid 4% Rule, Tetra’s dynamic strategy unlocks higher income in strong markets, scaling back in downturns to shield your wealth.

Envision Your Financial Future

With Tetra, enjoy $0 each year to fund your retirement—that’s +$0/yr more than the 4% Rule, after fees.

Schedule Your Free Compass Call Today

we work exclusively with grosse pointe families, retired or retiring soon, with $2m–$15m portfolios, seeking expert retirement income and tax planning.

Envision Your Financial Future

Fund your $0 retirement with Tetra, requiring $0—-$0 less assets than the 4% Rule.

Schedule Your Free Compass Call Today

we work exclusively with grosse pointe families, retired or retiring soon, with $2m–$15m portfolios, seeking expert retirement income and tax planning.

Important Disclosures & Assumptions

  • Registration & ADV Brochure: Tetra Wealth Management (CRD #329050) is registered as an investment adviser with the Michigan Department of Licensing and Regulatory Affairs (LARA) Securities Division and the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. For more information about our firm, including our Form ADV Part 2A (Firm Brochure) and Part 2B (Brochure Supplements), disciplinary history, and conflicts of interest, visit the SEC's Investment Adviser Public Disclosure (IAPD) website at adviserinfo.sec.gov/firm/summary/329050 or contact us directly.
  • Hypothetical & Illustrative Results: This calculator provides hypothetical illustrations based on simplified assumptions and historical data. Results are not guaranteed and do not reflect actual performance. Past performance is not indicative of future results. Tetra's distribution rate (5.3%) is illustrative only; actual rates and outcomes will vary based on individual circumstances, market conditions, and your customized plan.
  • Fees & Conflicts: Tetra's fees are modeled as 1% of assets under management (AUM) up to $2,000,000 (maximum $20,000/year), with the effective rate declining above $2M. Fees reduce returns and create a conflict of interest, as higher asset values benefit Tetra. We act as a fiduciary and seek to mitigate conflicts through full disclosure and best execution practices. The 4% Rule assumes a standard withdrawal minus advisor fees; no additional conflicts are modeled here.
  • Risks Not Modeled: This tool does not fully account for key risks, including market volatility, sequence of returns risk, inflation, taxes, longevity, or changes in economic conditions. All figures are pre-tax estimates and may differ significantly from actual results.
  • Investment Risk: Financial planning outcomes are not guaranteed, and investments involve the risk of loss of principal. Market fluctuations or other factors may result in the loss of some or all of your invested capital.
  • Educational Purpose Only: This is an educational tool with simplified assumptions for illustrative purposes. It is not personalized investment advice, a recommendation, or a guarantee of future performance. Consult a qualified financial professional for advice tailored to your specific situation, goals, and risk tolerance.
  • No Guarantee of Suitability: Tetra's services may not be suitable for all investors. We reserve the right to decline services based on our client criteria.