model for over 20 years, delivering compelling results by serving as the Investor’s Advocate.

Primary client types include: High-net-worth individuals and families. Family offices and private investors. Endowments and foundations. Corporate retirement plans (via GGA Retirement).

Key Services: Portfolio design via open architecture — access to best-in-class managers with no proprietary products. Fiduciary retirement plan consulting — GGA Retirement delivers ERISA-aligned guidance. Manager due diligence with institutional rigor — public and private strategies. Risk-aware, timing-sensitive portfolio implementation — tailored to preserve and grow capital.

Why We’re Different: True independence — no proprietary investments, no revenue from outside managers. Total transparency and client control — assets held at third-party custodians, fully disclosed fees. Institutional-grade investment process — scaled for portfolios of any size. High-conviction research — across the full manager universe, unconstrained by platforms. Boutique structure, robust capabilities — Wall Street-level insight with Main Street relationship quality.

Clients choose GGA because: They want safety and risk management alongside growth. They value customization over cookie-cutter strategies. They seek access to elite public and private managers. They expect clarity in fees, reporting, and communication.

Granite Group Advisors ("Granite") is an investment adviser registered with the U.S. Securities and Exchange Commission ("SEC") and located in Stamford, CT. GGA Retirement is a division of Granite. SEC registration does not imply a certain level of skill or training. The content herein is for educational and informational purposes only and should not be construed as legal, tax, accounting, or investment advice. References to third-party organizations are based on publicly available information and do not imply endorsement, affiliation, or insider knowledge. Granite is not endorsed by or acting on behalf of any state or government agency referenced herein. Granite is an independent firm and is not affiliated with any providers mentioned in this communication. We do not receive compensation from any third parties referenced.

The content herein is for educational and informational purposes only and should not be construed as legal, tax, accounting, or investment advice. References to third-party organizations are based on publicly available information and do not imply endorsement, affiliation, or insider knowledge. Nothing in this communication should be interpreted as a negative opinion of any service provider, nor as an attempt to interfere with existing business relationships.

Nothing in this communication should be construed as a promise or guarantee of performance. Individuals and organizations are encouraged to consult qualified legal, tax, or financial professionals before making any decisions.

For additional information about our services, fees, and qualifications, please review our Form ADV and Privacy Policy. For information about the registration status of Granite, please contact the SEC on its website at www.adviserinfo.sec.gov. GGA Retirement is a division of Granite.