System Login

Granite Retirement Services, LLC is proud to offer


The EZ 401(k) Solution

 

The EZ 401(k) Solution is a comprehensive,  full service retirement plan program specially designed for mid-sized companies that gives each plan participant access to a personalized one-on-one investment education from an experienced financial advisor.

 

 

The program uses Exchange Traded Funds (ETFs) as the plan's primary investment option, which offers investors a solid investment strategy and relative cost efficiency. We offer an Open Architecture Platform of no-load, no-transaction fee, same-day settlement mutual funds and collective trusts.

 

 

Why ETFs?

 

An Exchange Traded Fund (ETF) is a portfolio of securities, such as stocks or bonds, constructed to closely track the composition and performance of a market index, such as the S&P 500 or the Dow Jones Industrial Average. ETFs trade like stocks and are continually priced throughout the day.

 
 

 

Features of Exchange Traded Funds in a Qualified Plan

 

      • Diversification: ETFs provide exposure to a broad range of domestic and global capital market indices, making them an ideal vehicle for implementing an asset allocation strategy.
      • Low Expenses: ETFs generally have low internal expense ratios, helping to reduce the cost of managing a portfolio.
      • Tracks an Index: Nearly 90% of the actively managed funds have lagged behind the S&P 500 Index during the past 20 years. (Source: Greg Salsbury, Ph.D., VP, Jackson National Life, Inc.)

       
   

"Exchange Traded Funds represent the first innovation to allow investment strategists to trade baskets of stocks and bonds

during the day efficiently."

 

Ted Theodore,

President and CIO, Avatar Associates

 

 

"ETFs are well diversified and very global in nature. They are state-of-the-art asset management tools that are designed to maximize core investment strategies and improve portfolio optimization

and rebalancing.”

 

Dr. Richard Michaud,

President and CIO, New Frontier Advisors

 



All information herein has been prepared solely for informational purposes, and it is not an offer to buy or sell, or a solicitation of an offer to buy or sell any security or instrument or to participate in any particular trading strategy.

Investment Advisor Representatives may transact business in a particular state only if first registered, excluded or exempted from Investor Adviser Representative requirements. In addition, follow-up conversations or meetings with individuals in a particular state that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made absent compliance with Investment Adviser Representative registration requirements, or an applicable exemption or exclusion. Avatar, New Frontier Advisors LLC and Granite Retirement Services LLC are separate and unrelated companies.

 

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.