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Granite Financial


Planning for Life

Like most things in life, an effective retirement plan requires insight and thoughtful, strategic planning. At Granite Financial, we are passionate about helping you get where you want to go, financially. Through a comprehensive planning process, we help you prepare for your anticipated retirement date, putting your goals and dreams front and center. Imagine being able to enjoy the rest of your life as it unfolds in conjunction with your unique plan. Along the way, we can provide you with:

  • Comprehensive Financial Planning
    Develop an overall picture of yourself as an individual, and an investor, that will be used to create a financial plan and strategy that fits your present and future goals.
  • Retirement Planning 
    Develop a strategy for a comfortable retirement through defining your retirement goals.
  • College Planning
    Identify the costs associated with education and develop a plan to fund these expenses.
  • Estate Planning
    Help ensure that your wealth will be transferred according to your wishes and with a smooth transition to your heirs.
  • Insurance Planning
    Make sure that your assets are protected by having the appropriate Life, Long Term Care and Disability insurance.
  • Business Planning
    Develop a strategy for business growth and determine the retirement funding vehicle that is best for you and your employees.


Your Future Needs: Income Distribution

With improvements in healthcare, diet and exercise habits, Americans are generally living longer lives and enjoying more active and vibrant retirements. Early retirement has also become more common, resulting in many retirees faced with the challenge of not outliving their retirement assets.

Income Distribution planning is the process by which the assets you collected as you were preparing for retirement (the accumulation phase) are paid out to you during your retirement (the distribution phase). The strategies that you used during the accumulation phase are very different than the strategies that you would use during the distribution phase.

The assets used to create a vital stream of income during retirement face risk from economic turmoil, interest rate uncertainty and market volatility. At retirement, it is critical that your accumulated assets are correctly positioned in a series of investments that are designed to provide you income throughout the remainder of your lifetime.

The process that we use is called the NextPhase™ Retirement Income Planning Process; it is a time-segmented, inflation-adjusted strategy that is designed to help you find a balance of investment choices with different, complementary risk and growth opportunities. The graphic below illustrates how your accumulated retirement assets are divided into different time-segments. The optional guaranteed income segment and the first pool are designed to offer immediate, regular income streams, while the other pools of investments are designed to grow over time. As time goes on, each pool is drained to fill the reservoir that provides your regular income stream. The strategy typically plans for 25 years, at which point the last pool can be divided up again to provide for a longer retirement or used for legacy planning.

If you are within ten years of retiring or have retired within the last five years, talk to us today about creating your customized NextPhase Retirement Income plan.