Granite Retirement Services, LLC

The Granite 401(k) Retirement Solutions


The Granite 401(k) Retirement Solutions separate themselves from the other platforms with their diverse service offerings, structured to allow for services to be allocated among the best industry service providers.


Our goal is to provide a comprehensive and cost effective 401(k) solution for your organization that includes recordkeeping, administration and open architecture. We strive to build relationships with advisors, sponsors and participants through the delivery of unbiased, innovative 401(k) solutions with excellent service and technology to help them meet your retirement needs and the retirement needs of your employees.


The Granite 401(k) Retirement Solutions provide plan participant advice through the use of a questionnaire.  Each plan participant fills out a suitability questionnaire to help in determining which portfolio is appropriate.*


The Granite 401(k) Retirement Solutions' platform provides advisors with the tools to create a long-term, mutually beneficial relationship with plan providers, plan sponsors and participants.


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Securities and advisory services offered through NPC of America (NPCOA), Member FINRA/SIPC, a Registered Investment Adviser.  Granite Retirement Services LLC, Wilmington Trust Company, Fiduciary Asset Management, Lazard Asset Management, and NPC are separate and unrelated companies.


*Fiduciary Asset Management and Lazard Asset Management, SEC Registered Investment Advisers, provide plan participant advice through the use of a questionnaire designed to direct the participant to an appropriate ETF model portfolio.  Participants may independently choose to invest in securities outside of the ETF model portfolios.  NPC IARs provide educational services to plan participants.


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.