Building long-term relationships is our priority at Granite State Wealth Management. We start the journey by taking the time to listen to and understand each of our clients personally. Together, we carefully chart a course to pursue financial success. We believe in using prudent investment strategies and are dedicated to guiding and sustaining our clients' financial direction.

As independent financial professionals, we have the freedom to provide diverse guidance and insight to our clients. We recognize that each person's situation is different, so we develop a financial plan that focuses on helping you accomplish your personal goals.

Accordingly, our approach will be to pursue an in-depth understanding of your financial situation and the personal values you hold as they relate to your investment plan. This approach allows us to forge a strong partnership with you and to assist you as we strive to turn your dreams into reality.

Five Steps to Meeting Your Financial Goals

1. Expense Inventory
• Estimate monthly expenses both essential (food, housing, clothing, health care) and discretionary (travel, entertainment, etc.)
2. Income Inventory
• Draw up an inventory of all sources of income: Social Security, traditional pensions, annuities, and other predictable long-term income flows.
• Do an inventory of all financial and real assets (stocks, bonds, mutual funds, CDs, real estate, rents, etc.) that could be used to fund your retirement. Add the estimate income from these assets to your predictable income flows.
3. Determine “Expense Gap”
• Compare your projected expenses with projected total net income
• The comparison will either show that your expenses are fully taken care of, or it will reveal a “shortfall” which needs to be filled.
4. Allocate Assets
• Should there be any gap in income coverage - close this gap by either segregating a specific pool of assets to draw on systematically over time or by purchasing a guaranteed income product, such as an annuity - to help ensure expenses are met.
5. Protect and Review
• Decide whether to protect your retirement with major medical, life, and long-term care insurance. Consider an umbrella policy to limit your liability. Review your plan at least once a year, adjusting all elements including expenses.