Our Process

If you’re drawing from your portfolio — or getting close — our complimentary assessment will give you clarity on three critical questions:

  • Will your money last as long as you need it?

  • Are you paying more in taxes than necessary?

  • Is your portfolio built for sustained distributions?

Your answers (along with anything else on your mind) are documented in a personalized Portfolio Distribution Roadmap you can take with you.

For households that are a good fit, this process is offered at no cost or obligation. We want you to see exactly how we can help before you pay us a single dollar in fees or trust us with the wealth you’ve worked a lifetime to build.

☎ Step 1: The Compass Call

A short call about your goals, challenges, and what you want from an advisor. It also ensures we’re the right fit before asking for more of your time.

💻 Step 2: The Alignment Meeting

We get clear on your goals, concerns, and financial picture. The answers you share, along with the documents you provide, guide our analysis.

📊 Step 3: Our Analysis

We put our training and experience to work to answer the questions that matter most:

  • Can your portfolio reliably support the life you want?

  • Are you paying more in taxes than necessary?

  • Can your portfolio be improved for efficiency and balance?

  • What risks could threaten your wealth — and how do we manage them?

We’ll also address any additional questions you raised during discovery, so you leave with clear answers to what matters most to you.

💻 Step 4: The Strategy Session

This is where everything comes together. We walk you through your personalized roadmap — showing in plain English how income can flow from your portfolio, what your tax picture looks like, and how risks are being managed. You’ll see real numbers and clear strategies designed around your goals.

At the end of the meeting, you’ll decide whether to begin working with us or take more time to reflect.

⏳ Step 5: Think It Over

Choosing who to trust with your wealth is a big decision. There’s no rush — take the time you need.

Ask yourself:

  1. Do I trust and respect the Tetra team?

  2. Do the benefits outweigh the cost?

  3. Do I understand and agree with their investment approach?

  4. Do the recommendations make sense for me?

When you’re ready, you’ll know if moving forward is the right fit.

🏁 Step 6: Welcome Aboard

If you’re ready, we’ll answer any final questions and review the paperwork to begin our partnership.

By this point, you’ll already have a clear explanation of our process and the chance to ask every question on your mind.

While we’d love to work with you, if you decide we’re not the right fit, we’ll wish you every success. There’s never pressure to say yes.

If this process makes sense to you, the next step is to decide if our qualifications meet your needs.

We provide tax planning in coordination with your tax professional; we do not provide tax or legal advice.