The Compass Process™

See exactly how we can improve your finances — before you pay a dollar in fees.

We’ll help you answer a few important questions that shape your financial future.

• How can you turn your savings into reliable income?
• How can you reduce the taxes you’ll pay over your lifetime?
• How can you protect your plan from unnecessary risk?

Our process is simple — we listen, analyze, and build a clear plan around your goals. By the end, you’ll know how to improve your finances — whether you decide to work with us or not.

☎ Step 1: The Compass Call

A short, 15-minute conversation to discuss your goals and challenges — and confirm we’re the right fit before taking the next step.

💻 Step 2: The Discovery Meeting

This in-person meeting takes about an hour. We review your documents, ask key questions, and learn what matters most to you — all to build a plan that fits your life.

📊 Step 3: Our Analysis

We use what you’ve shared to connect your finances with your goals. From there, we design a plan focused on four key areas:

• Income: Finding your safe withdrawal rate so your money lasts through retirement.
• Risk: Determining your exposure to risks like liability, estate, market, and debt.
• Taxes: Reviewing your tax returns to find ways to potentially lower your lifetime tax bill.
• Investments: Sorting through thousands of options to find the few that make the most sense for you.

💡 Step 4: Navigating Your Plan

During this meeting, we present your plan and answer any questions you have. Even if you’re ready to move forward, we’ll ask you to sleep on it — so your decision is thoughtful and confident.

⏳ Step 5: Think It Over

Take the time you need to review and reflect. When you’re ready, we’ll make the next step simple and seamless.

🏁 Step 6: Welcome to Tetra

When you’re ready, we’ll handle the details and put your plan into action. From day one, you’ll know exactly how your income, taxes, and investments are managed — and that everything is working together for you.