Granite Wealth Advisors

Granite Wealth Advisors is a small, independent registered investment adviser that serves individuals and high‑net‑worth clients, providing discretionary investment management, financial planning, and the selection and oversight of third‑party subadvisers. The firm manages diversified, risk‑based portfolios using mutual funds, ETFs, stocks, and bonds and typically acts as the primary manager while allocating portions of assets to specialist subadvisers when appropriate.

The adviser follows a strategic asset‑allocation approach with periodic rebalancing and ongoing monitoring, and it integrates financial planning into its investment services, with review triggers tied to life events and tax deadlines. It also coordinates third‑party services—retaining Dimensional as a subadviser in some cases—and may incorporate specialized ETF categories, including inverse and cryptocurrency ETFs, as part of portfolio construction when suitable.

Noteworthy for a firm of its size, the brochure discloses a past disciplinary event: a temporary FINRA suspension of the firm’s principal in 2014, which the firm identifies as the sole material disciplinary matter. Other distinguishing features include a relatively small client base and assets under management, the routine use of third‑party managers without receiving a share of their subadvisor fees, and offering estate‑planning facilitation through an external service (Wealth.com) as part of its planning coordination.