Granite State Retirement Planning, Inc.

Granite State Retirement Planning serves individuals, trusts, corporations and employer-sponsored retirement plans with services that include comprehensive portfolio management, written financial planning delivered through its proprietary "The Protected Retirement Process®," retirement plan consulting, educational seminars, wrap-fee program offerings, and referrals to third‑party money managers. The firm’s brochure describes portfolios composed of exchange‑traded funds, mutual funds, individual stocks and bonds, variable and fixed annuities, and other securities, with implementation and ongoing account oversight provided when clients engage its management services.

The firm conducts at least one intake meeting (in person or remotely) to assess a client’s financial situation, goals and risk tolerance and then proposes an investment approach that it typically implements on a discretionary basis — the brochure reports $140,045,478 in discretionary assets and $3,109,501 in non‑discretionary assets as of December 31, 2025 — and performs at least annual reviews. Investment decision‑making is described as drawing on multiple methods of analysis (fundamental, technical and cyclical) and employing strategies ranging from long‑term holdings to more active trading, options and margin, with client‑imposed restrictions permitted only rarely.

Several features the brochure highlights that distinguish the firm from many peers are its industry affiliations and institutional work: the firm’s principal is a registered representative of a broker‑dealer and is a licensed insurance agent (disclosures note this may produce commission‑based conflicts), the firm sponsors wrap‑fee programs and refers to third‑party managers (including AssetMark), and it provides retirement plan consulting and pension/profit‑sharing plan services under ERISA‑aware agreements. The brochure also describes a platform relationship with a major custodian that supplies research and administrative services, and it discloses that the firm does not provide cash or non‑cash compensation for testimonials or endorsements.