Tetra Wealth Management

Tetra Wealth Management provides discretionary investment supervisory services and written financial planning to individuals and families, including trusts and retirement accounts. The firm also offers standalone financial plans and reviews client plans and portfolios at least annually.

Portfolios are built around long‑term, diversified core exposures using exchange‑traded funds and mutual funds, with allocations set by a written Investment Policy Statement and periodic rebalancing; risk is managed principally by adjusting equity versus fixed income and cash. The firm also uses a limited set of additional tools — covered calls and purchased puts for hedging, client‑directed defined‑risk options positions, Schwab Personalized Indexing or direct indexing where appropriate, buffer/defined‑outcome ETFs, and margin only for settlement or options mechanics — and may advise on precious metals held by clients without taking possession.

What is distinctive is the firm’s common ownership of related operating companies — a mortgage brokerage (Tetra Home Loans) and newly formed insurance and tax affiliates — which creates potential conflicts because those affiliates would earn separate compensation when used. The brochure discloses those relationships and says clients receive written disclosures before any referral and are free to use other providers; the firm also requires custody at Charles Schwab and notes that the owner devotes roughly 80% of working time to the advisory business and about 20% to the mortgage affiliate.