Broker Check

Frequently Asked Questions

HOW ARE YOU DIFFERENT FROM OTHER ADVISORY FIRMS?

Purpose, Passion, Process

  • Our Purpose: Making sure our clients, especially surviving widows, don’t run out of money in retirement
  • Our Passion: Working with clients on a face-to-face basis, getting to know them, in detail, and only making recommendations in our clients’ best interests.
  • Our Process: The Metrusky Retirement Services LLC Wealth Management Triad.
    • Values, Decisions, Behaviors (Ethos)
    • Leadership, Stewardship, Governance
    • Plan, Protection, Portfolios

WHAT IS YOUR PROCESS?

  • A Preliminary phone appointment to see if we might be a mutual fit (Or not. We won’t waste your time.)
  • A Discovery Meeting to go more in depth about YOU.
  • A Total Client Profile and a Proposed Financial Action Plan, both on one page.
  • A Mutual Commitment (Engagement) to continue the Process (or not)
  • We then Formalize a Plan, and if we mutually decide to continue with the next phase, Implement and Monitor the Plan for Success.


WHY IS PROTECTING YOUR ASSETS A TOP PRIORITY TO US?

  • You can have THE best investing program, but if there is a vulnerability (a weakness that can be exploited ) in your protection plan, it won’t matter.
  • There are a myriad of categories of potential vulnerabilities (We ask you about more than 20…) that can cause serious financial losses before, during, and even after retirement.
  • We go over those with you, and can recommend possible fixes as part of the comprehensive plan. Those include any or all of the classic [Pure] Risk Management tools of “Avoid, Reduce, Retain, Transfer, and Share.”


WHAT IS YOUR INVESTING PHILOSOPHY?

  • Investing has two components: Investors and Investments
  • The dominant determinant of investment return is investor behavior.
  • Again, starting with the End in Mind,  which for Retirement Income, is increasing income to meet the ever-increasing expenses before, in, and after retirement.
  • We believe only one major asset class can do that over time: equities.
  • AND there are factors which can increase expected returns over time


HOW WILL YOU DETERMINE HOW MUCH I/WE NEED TO HAVE TO RETIRE?

  • At our first meeting, we’ll sit with you and, based on the numbers on spending you provide us, we’ll accomplish our “Retirement Income Planning Estimation Worksheet.”
  • We do this at no cost and no further obligation.
  • As an added value, we’ll also provide an estimate of the average annual compound rate of return needed to meet your threshold.
  • And we’ll do this, again, all on one-page.