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Granite Retirement Services, LLC is proud to offer

The EZ 401(k) Retirement Solutions


The EZ 401(k) Retirement Solutions are three turn-key, comprehensive,  full service retirement plan programs 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 programs use Exchange Traded Funds (ETFs) as the primary investment options, which offer 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 tradebaskets of stocks and bonds

during the day efficiently."


Ted Theodore,

President , Avatar Assoiciates

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 Associates 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.