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Granite Retirement Services, LLC is pleased to offer
a revolutionary new approach to 401(k):


The EZ 401(k) Retirement Solutions

 

 

The EZ 401(k) Retirement Solutions Provide:

 

  • 5 ETF Portfolios, 11 Individual Collective Trusts, Target Date Funds, and Mutual Funds
  • The solid investment strategy and relative cost efficiency of ETFs*
  • An investment management fiduciary to oversee fund selection and to defend its decisions
  • An Investment Policy Statement
  • On site enrollment meetings and Power Point enrollment seminar
  • Bundled or Semi-bundled recordkeeping and administration
  • Fee transparency, total disclosure, nothing hidden
  • Ongoing support and training for the Advisor, Plan Sponsor and TPA**

 

 

The EZ 401(k) Retirement Solutions provide additional services from:

 

 

Option 1: ETFs

 

Option 2: Mutual Funds

 

Option 3: Open Architecture

 

 

The ETF Cost Advantage*

 

  • No expensive operational and research costs as found in most managed funds
  • Low Expense Ratios
  • Low Plan Sponsor Expenses

 

ETF expense ratios are consistently lower than those of traditional mutual funds.

 

 

Source: Strategic Insights, 12/06. Categories shown are defined by Morningstar.

 

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 than 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.

 

**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)