Granite Financial Group

Granite Financial Group provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, high‑net‑worth clients, trusts, estates, charitable organizations and business entities. The firm reports approximately $186.2 million in discretionary assets under management and also offers limited‑scope ERISA 3(21) fiduciary services to qualified retirement plans.

The firm typically obtains discretionary authority after documenting each client’s investment goals, time horizon and risk tolerance, and implements portfolios using asset allocation, model portfolios and third‑party managers available through LPL Financial programs such as Optimum Market Portfolios, Personal Wealth Portfolios, Model Wealth Portfolios and Manager Access Select. Financial planning and consulting are offered on hourly or fixed‑fee bases (plans generally delivered within 60 days), and client accounts are reviewed at least quarterly with rebalancing and tax‑loss harvesting considered as appropriate.

Notably, Granite Financial Group sponsors the Granite Financial Group Wrap Fee Program, a sponsorship role that is uncommon among supported firms. The brochure also discloses a firm relationship with LPL Financial — including required use of LPL as the program sponsor and receipt of custodial support services and external compensation to affiliated registered representatives — and constructive custody practices because advisory fees are deducted directly and the firm has third‑party money movement authority.