Granite Retirement Services, LLC

The Navigator 401(k) Solution

Clark Capital Management Group and Granite Retirement Services are pleased to offer Navigator 401(k), a complete 401(k) solution that makes it possible for participants to invest with confidence while moving toward their long term goals.  Navigator 401(k) provides plan sponsors with the opportunity to offer 6 professionally managed asset allocation solutions designed to fit the risk level of any participant.*  The innovative investment options of Navigator 401(k) provide meaningful diversification and incorporate multiple asset classes, best-of-breed institutional managers, and alternative and international investments, optimized to meet the client's long-term needs and goals whether markets go up or down.


Navigator 401(k) Solution Provides:

  • 6 Professionally Managed Risk Based Asset Allocations by Clark Capital Management Group
  • Meaningful Diversification through exposure to Alternative Asset Classes
  • Opportunistic Allocations utilizing Exchange Traded Funds
  • An investment management fiduciary to oversee fund selection and to defend its decisions
  • Institutional Hedging Strategy
  • An Investment Policy Statement
  • On site enrollment meetings and Power Point enrollment seminar
  • Bundled or Unbundled recordkeeping and administration
  • Fee transparency, total disclosure, nothing hidden
  • Ongoing support and training for the Advisor, Plan Sponsor and TPA**

For more information, visit The Navigator 401(k) Solution


**TPA (Third Party Administrator) - a financial administrator that handles the processing and paperwork for retirement plans and/or health insurance or self insurance.  (Source:  http://en.wikipedia.org/wiki/Third_party_adminstrator)

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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, Clark Capital Management Group, and NPC are separate and unrelated companies.


*Clark Capital, an SEC Registered Investment Adviser, provides 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.