SERVICES
Financial advisory services to build confidence and success
Feel confident in your finances and future. Our comprehensive services are designed to provide comfort for you and a secure financial foundation for your loved ones.
RETIREMENT PLANNING
It’s never too early to start planning for retirement. We work with clients to prepare for a fulfilling and stress-free retirement – from the moment they enter the workforce through the years when they begin relying on their assets for income, and ultimately to the transfer of wealth to their loved ones.
We offer many retirement planning options. The strategies we recommend depend on the nature of each client’s employment, income levels, employer benefits, and how they expect to use their assets in retirement.
When it comes to Retirement Planning, our clients experience:
- Complimentary 401(k) reviews to ensure employer-sponsored plans are structured appropriately for their stage of life.
- Access to goals-based planning software and tools.
- Flexible strategies tailored to income levels, priorities, and long-term objectives.
- Regular retirement plan reviews to help ensure continued progress toward long-term goals.
As clients transition into retirement, planning shifts from accumulation to income. We help structure sustainable withdrawal strategies, coordinate distributions, and manage ongoing cash flow so clients can meet current needs while preserving long-term portfolio stability.
In retirement, this may include:
- Coordinated withdrawal strategies designed to support lifestyle needs.
- Automated disbursements from retirement accounts to personal banking accounts or other recipients.
- Withdrawal rates structured to balance current income needs with long-term portfolio health.
- Securities-backed lines of credit that can provide liquidity and help reduce the need for untimely asset sales
ESTATE PLANNING STRATEGIES
One of our core areas of experience is helping our clients steward their hard-earned wealth to help advance the lives of their children and grandchildren. The multi-generational makeup of our practice has allowed us to understand the nuances of family dynamics when it comes to finance. We strive to help our clients plan for gifting and wealth transfers in a personalized, strategic, and flexible way.
When we work with clients on Estate Planning Strategies, we do the following for each client:
- Help our clients assess their ability to pursue a gifting strategy, whether it is for family or charity.
- Work alongside estate attorneys to stay current on changing estate tax regulations to ensure the most efficient and seamless transfer of wealth.
- Use several legacy planning investment options that give our clients flexibility in how they transfer wealth.
- Personalize each client’s strategy based on their assets, goals, and family dynamics.
Wells Fargo Advisors Financial Network is not a legal or tax advisor.
TAX PLANNING STRATEGIES
Tax planning Strategies is not just about filing correctly — it’s about understanding how financial decisions show up on paper and adjusting thoughtfully over time.
At Granite, we review tax returns carefully to understand what actually happened and where planning opportunities may exist. We are not replacing your CPA or second-guessing their work. Instead, we focus on strategy, coordination, and long-term impact.
When it comes to Tax Planning Strategies, our clients experience:
- A detailed review of tax returns to identify trends, changes, and opportunities.
- Coordination with CPAs to ensure financial strategies and tax reporting align.
- Thoughtful evaluation of Roth conversions, retirement contributions, and income timing.
- Strategic planning around capital gains, investment losses, and how unused tax benefits can be applied in future years.
- Guidance on charitable giving strategies, including donor-advised funds and qualified charitable distributions when appropriate.
- Timely adjustments as tax laws, income levels, or family circumstances evolve.
Your tax return tells a story about what has already happened. Our role is to read it carefully and use that information to inform smart decisions going forward.
Wells Fargo Advisors Financial Network is not a legal or tax advisor.
ASSET MANAGEMENT
Each person's situation and goals are different. That’s why our advisors are here to listen to your needs, answer your questions, and guide you based on your unique priorities.
Each client’s Asset Management strategy is personalized and based on many factors, including:
- Priorities and goals
- Current financial needs
- Time horizon for goals
After we reach a thorough understanding of those factors and more, we work with clients to:
- Choose personalized investment strategies that could help you continue to grow your money throughout retirement (helping to ensure you do not outlive your assets).
- Choose options that minimize taxes.
- Allocate assets to ensure a greater chance of fulfillment for our clients, both now and long-term. (Many of our clients have passed away with more money than they ever had when they first retired.)
EDUCATION PLANNING
For many parents and grandparents, saving for their children’s or grandchildren’s education is a priority. We work with our clients to create a plan that allows them to save for future education needs while still meeting their everyday financial needs and goals.
During Education Planning, we help clients:
- Determine which savings and investment options make most sense for them, whether it is a 529 plan or a UTMA (Uniform Transfers to Minors Act) account.
- Set a realistic contribution schedule that works for their budget.
- Set a timeline that helps ensure their savings goals are met by the time the child or grandchild reaches private school or college.
- Understand the way their deposits and withdrawals impact the value of their education savings over time.
- Leverage education savings plans to reduce their taxable estate, ensuring a seamless and efficient transfer of wealth.
- Leverage education savings plan to help jumpstart their children and grandchildren's retirement savings.
Wells Fargo Advisors Financial Network is not a legal or tax advisor.
Please consider the investment objectives, risks, charges, and expenses carefully before investing in a 529 savings plan. The official statement, which contains this and other information, can be obtained by calling your financial advisor. Read it carefully before you invest.
FINANCIAL SERVICES FOR BUSINESS OWNERS
Our services extend beyond individual and family investment planning. We also design and manage retirement plans for our clients who are business owners.
Granite’s retirement services for business owners include:
- Creating a cohesive framework and establishing a clear assignment of responsibilities between the recordkeeper, third party administrator, and plan sponsor.
- Providing customized funding solutions for businesses who are undergoing a transition, whether it is acquiring a new business or changing ownership.
- Helping owners of family businesses avoid needless taxes and estate headaches in the event the business produces a significant cash windfall.
We are here to help you craft an investment plan that helps you feel confident, empowered, and excited for the life you’re creating. Let’s talk about how we can help you reach your goals for yourself and your family.
