Our Frequently Asked Questions

What services does Granite Rock Wealth Management provide?

We offer comprehensive financial planning, investment management, retirement income strategies, tax-efficient planning, and estate planning services. Our approach is built on personalized guidance and long-term partnership.

What makes Granite Rock different from other financial advisors?

As fiduciaries, we are committed to acting in your best interest in all advisory relationships. Our team offers personalized service rooted in integrity, transparency, and disciplined financial strategies tailored to your goals.

Who do you typically work with?

We primarily serve individuals approaching retirement, retirees, job changers, business owners, and high-net-worth families who value proactive planning and long-term wealth preservation.

How do I get started?

It starts with a conversation. We offer a complimentary initial consultation where we’ll discuss your goals, current financial picture, and how we may be able to help. You can schedule a meeting HERE.

Are you a fiduciary?

Yes. As fiduciaries, we are legally and ethically bound to act in your best interest at all times. Your trust is our most valuable asset.

How are you compensated?

We are a fee-based advisory firm. This means we do not earn commissions on investment recommendations, allowing us to provide objective advice.

Do you offer tax planning?

Yes. Tax efficiency is a core part of our planning process. We help identify strategies to reduce tax exposure both now and in the future—especially around retirement income and estate transfers.

Can you help with Social Security and Medicare decisions?

Absolutely. We guide clients through Social Security claiming strategies and coordinate Medicare decisions as part of a broader retirement plan.

What if I already have a financial advisor?

We understand that switching advisors can feel like a big step. We offer second opinions to evaluate your current strategy and determine if you’re on track—or if there’s room for improvement.

Where are your offices located? Do you work with clients virtually?

We’re headquartered in New Hampshire, but we work with clients virtually. Our process is flexible and designed around your comfort and convenience.

What is a fiduciary financial advisor and why does it matter?

A fiduciary financial advisor is legally required to act in your best interest when offering financial advice. This standard is crucial when planning for retirement or managing wealth, as it ensures that your advisor is focused solely on your financial well-being—not commissions or product sales.

How can I plan for retirement income that lasts?

We help you create a reliable retirement income strategy by evaluating your savings, Social Security, pensions, and investments. Our goal is to help you structure your income to support your lifestyle and address long-term inflation risk.

What is the best age to start retirement planning?

The sooner, the better. Ideally, retirement planning should begin in your 30s or 40s, but it’s never too late to start. Even if you’re approaching retirement now, strategic planning can make a big impact on your financial future.

Do you offer help with 401(k) rollovers or IRA strategies?

Yes. We provide guidance on 401(k) rollovers, Roth IRA conversions, and investment allocation strategies to help maximize tax benefits and growth potential.

What are the benefits of working with a wealth management firm?

A wealth management firm offers integrated financial planning, investment management, tax planning, and estate strategies under one roof. This holistic approach can simplify your financial life and ensure all aspects of your wealth are aligned with your goals.

How do I minimize taxes in retirement?

Through careful planning, we help clients reduce taxable income in retirement using tools like Roth conversions, tax-efficient withdrawals, and smart investment placement across account types.

Is it worth paying a financial advisor?

If you’re unsure about your financial future, dealing with complex retirement accounts, or trying to reduce taxes, a financial advisor can add significant value through personalized, objective advice.

How often do you meet with clients?

We typically meet with clients at least once or twice a year, or more often depending on their needs or life events. Regular communication helps keep your financial plan current and effective.

Do you help with estate planning?

Yes. While we don’t draft legal documents, we work closely with your attorney or can refer one, helping you structure your estate to minimize taxes and ensure your wishes are carried out efficiently.

Can you help me create a financial plan?

Yes. We build comprehensive financial plans that include budgeting, saving, investing, retirement planning, risk management, and tax strategies—all tailored to your goals.