ETF 401(k) Solution

In recent months, there has been a series of ERISA-based class action lawsuits filed against service providers challenging the fees charged to 401(k) plans.

Granite Retirement Services, LLC, has the answer: The ETF 401(k) Solution.

The ETF 401(k) Solution is a new approach to 401(k). The ETF 401(k) Solution is designed for small and medium sized companies and gives all plan participants access to personalized one-on-one investment education from an experienced financial adviser. The ETF 401(k) Solution is on the cutting edge of the retirement planning solution because The ETF 401(k) Solution uses Exchange-Traded Funds (ETFs) as the plan’s primary investment option.***

The ETF 401(k) Solution offers professionally managed all ETF portfolios. Each plan participant fills out a suitability questionnaire to help in determining which portfolio is appropriate.* The accounts are comprised totally of Exchange Traded Funds and offer efficiency with a low cost structure. They are managed by some of the top money-mangers in the country, including Vanguard, Lazard, and Wilmington Trust Company.

In addition to the managed ETF portfolios, the plan sponsor has the ability to select individual ETF collective trusts. There are no “hidden costs” – all costs and fees are fully transparent. Because of this, all plan participants know exactly where their money is going and how it is working for them.

The ETF 401(k) Solution provides an investment policy statement and an investment management fiduciary** to oversee fund selection and defend its decisions. Record keeping and administration services are also provided.

The ETF 401(k) Solution offers on-site enrollment meetings, on-site educational investment seminars, individually managed ETF portfolios, and disclosure of all fees.

Granite Retirement Services, LLC, has designed The ETF 401(k) Solution to be a low cost efficient alternative to compete with variable annuity 401(k) plans from insurance companies and “bundled” 401(k) plans from mutual fund companies.

The ETF 401(k) Solution could be the best total 401(k) solution for small and medium sized companies.

For more information, please call Granite Retirement Services at 877-383-4015.


*Plan participants may use a Risk Assessment Questionnaire which may lead them to an asset allocation strategy that may be appropriate for their particular financial needs and objectives. Participants may independently choose to invest in securities outside of the model portfolios. 

 **An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party. (Source: http://www.investorwords.com/1932/fiduciary.h

***An investment in Exchange Traded Funds is subject to risk. The value of an investment and the return on invested capital will fluctuate over time, and, when sold or redeemed, an investment may be worth less that its original cost. ETFs will fluctuate with changes in market conditions and may not be suitable for all investors. In many cases ETFs have lower expense ratios than comparable index funds. However, since ETFs trade like stocks, they may be subject to brokerage fees and trading spreads. ETFs do not necessarily trade at the net asset values of their underlying holdings, meaning an ETF could potentially trade above or below the value of the underlying portfolio.

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