Norman Grant
Grant Capital

Financial Services

Our quantitative-based capital management creates investment opportunities for institutions, corporations, and businesses of all sizes. Whether you're a self-employed entrepreneur, small business, or large corporation, we help you build additional revenue streams through strategic public market investments. Diversify Your Revenue with Smart Investing Institutional investment planning helps businesses diversify income while generating passive revenue streams. This approach enhances financial stability and provides protection against economic uncertainty and market volatility. Key Benefits: Revenue Diversification - Reduce dependence on single income sources by spreading risk across multiple investment vehicles Passive Income Generation - Create additional revenue without disrupting core business operations Financial Resilience - Strengthen your position to weather market disruptions and unexpected challenges Our Data-Driven Approach We use quantitative-based capital management with rigorous data analysis to optimize your investment portfolio for both growth and stability. Our process aligns investment strategies with your broader business goals. Our Services Include: Experienced Advisory Team - Seasoned professionals provide tailored institutional investment guidance Advanced Analytics - Data-driven insights using sophisticated analytical tools for informed decision-making. Comprehensive Management - Full-service portfolio management, risk assessment, and investment strategy support. Through systematic diversification and quantitative analysis, we help businesses create sustainable additional revenue streams while maintaining focus on core operations. Our institutional investment planning strengthens your financial foundation for long-term success.

Our personalized financial planning helps you build a clear roadmap to achieve your money goals. Whether you're saving for retirement, buying a home, or building wealth, we create customized strategies that fit your unique situation and timeline. Using RightCapital technology, we provide detailed financial projections and interactive planning tools that show exactly where you stand today and what steps you need to take. This advanced software helps us model different scenarios, track your progress, and adjust your plan as life changes. Our comprehensive financial planning covers: Retirement Planning - Calculate how much you need to save and the best accounts to use for a comfortable retirement. Investment Strategy - Build diversified portfolios that match your risk comfort and growth goals. Tax Planning - Minimize taxes through smart investment choices and timing strategies. I nsurance Analysis - Protect your income and assets with appropriate coverage levels. Cash Flow Management - Optimize your monthly budget and savings to maximize wealth building. Goal Prioritization - Balance multiple financial objectives like home buying, education funding, and retirement. We meet regularly to review your progress and update your plan as your income, goals, or life circumstances change. Our data-driven approach using RightCapital ensures your financial plan stays on track and adapts to market conditions. Start building your financial future with a personalized plan designed specifically for your success.

We provide personalized financial advice designed to meet your unique needs and goals. Unlike generic financial planning, our data-driven approach helps you navigate the complexities of building substantial wealth through customized strategies that protect and grow your money. Our comprehensive financial consulting covers every aspect of your financial life. We create tailored investment portfolios using fundamental, quantitative, and technical analysis to maximize returns while managing risk. Our services include retirement planning, wealth management, education funding, and tax optimization - all coordinated to work together for your benefit. Using advanced RightCapital technology, we provide clear financial projections and interactive planning tools that show exactly where you stand and what steps to take next. This software helps us model different scenarios and adjust your plan as life changes. Our financial advice includes: Custom investment management and asset allocation strategies Retirement and education savings planning Tax optimization and estate planning coordination Risk management and insurance analysis Cash flow optimization and debt management Philanthropic planning and legacy building We meet regularly to review your progress and update strategies based on market conditions and life changes. Our quantitative-based approach ensures precise recommendations tailored to your timeline, risk tolerance, and financial aspirations. Whether you're just starting to build wealth or planning for future generations, our financial consulting provides the personalized attention and exclusive solutions you need to achieve long-term financial success.

We build and watch over your investment accounts to help your money grow safely. Our team picks the best mix of stocks, bonds, and other investments based on what you want to achieve. We check your accounts regularly and make changes when needed to keep your money working hard for you.

We help you save enough money to live comfortably when you stop working. Our retirement planning includes figuring out how much you'll need, choosing the right retirement accounts, and creating a plan to make your money last. We also plan for healthcare costs and help you understand Social Security benefits.

Grant Capital understands the reality of life events and how they can impact our clients finances. That's why we offer comprehensive insurance coverage and protection when those life events occur. Our dedicated team assesses the amount of risk and liability in alignment with our clients personal goals, including life, long-term, and disability insurance, and diligently works to find the best insurance outcomes possible. Incorporating insurance into your wealth management strategy is crucial to your financial plan. Our specialized advisors integrate insurance solutions into your broader wealth management plan to safeguard assets and provide stability for you and your family. This approach enables you to focus on your long-term goals without the constant worry of unforeseen financial setbacks. Life Insurance: Protect your loved ones with life insurance policies that cater to your specific needs and circumstances. Long-Term Care Insurance: Ensure quality care in later years without compromising your financial stability. Disability Insurance: Maintain your financial independence and cover essential expenses if a disability affects your income. Personalized Assessment: Our team conducts thorough risk and liability assessments based on your unique financial situation and objectives. Comprehensive Coverage: We offer a range of insurance solutions tailored to meet your specific protection needs. Wealth Management Integration: Seamlessly integrate insurance into your wealth management plan for a holistic approach to financial security. One of our main responsibilities is to offer solutions that prepare you for the unexpected and provide financial security in times of uncertainty or emergency.

When it comes to estate planning, Grant Capital helps guide our clients through the process from beginning to end. Our team ensures that estate plans align with investment goals while keeping them in excellent shape on an ongoing basis. Trust Funding: Ensuring that your trusts are properly funded and aligned with your estate objectives. Life Changes Accounting: Making adjustments to your plan and financial strategies to account for significant life changes. Beneficiary Designations: Updating and verifying the beneficiaries on your accounts and policies to reflect your current wishes. Estate Document Review: Reviewing trustee and agent appointments, powers of attorney, health care directives, and other critical documents. Distribution of Personal Effects: Providing advice and assistance on how to manage and distribute personal belongings according to your wishes. Coordination with Attorneys: Working together with your estate planning attorneys to ensure all aspects of your estate plan are properly executed and current with legal requirements. Estate Planning Services 1. Experienced Advisors: Benefit from the guidance of seasoned professionals who offer tailored advice to meet your specific estate planning needs. 2. Customized Solutions: Every estate is unique, and we provide personalized solutions that align with your broader financial and estate planning goals. 3. Ongoing Support: Estate planning is not a one-time event; our team offers continuous support to keep your plans current and effective in light of new developments.

Although many people think tax planning occurs once a year leading up to April, it's more important than ever to have year-round tax planning to help reduce tax liabilities and complexities regarding wealth. Grant Capital's proactive staff helps clients save more of their money all the while seeking to maximize investment benefits and minimize tax season surprises. Strategies for Effective Tax Planning Our financial advisors recommend several strategies to ensure effective tax planning throughout the year: Income Tax Projections: Engage with your tax professional to perform an income tax projection before tax season. This proactive measure helps anticipate and mitigate tax liabilities. Reducing Taxable Income: Identify and employ methods to reduce taxable income, such as increasing contributions to retirement and health savings accounts. Charitable Giving Options: Explore charitable giving options to reduce capital gains on investments, allowing you to give back while benefiting from tax deductions. Holistic Tax Planning Approach Grant Capital is committed to a holistic approach to year-round tax planning for our concierge clients. We tailor our strategies to align with your financial goals, ensuring that every aspect of your wealth management is optimized for tax efficiency. *Grant Capital does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation.

Education costs continue rising faster than inflation, making early planning essential for your children's academic future. Our education funding strategies help families save systematically while maximizing tax advantages and investment growth to cover tuition, room, board, and related expenses. We create customized education savings plans using 529 college savings accounts, Coverdell Education Savings Accounts, and other tax-advantaged vehicles. These accounts allow your contributions to grow tax-free when used for qualified education expenses, including K-12 tuition, college costs, trade schools, and graduate programs. Our quantitative approach analyzes current education cost trends and projects future expenses based on your child's age and preferred schools. We factor in inflation rates, potential financial aid eligibility, and scholarship opportunities to determine realistic savings targets. This data-driven planning ensures you're prepared for actual costs, not just estimates. Beyond basic savings, we coordinate education funding with your overall wealth management strategy. This includes timing investment withdrawals to minimize tax impact, structuring gifts from grandparents, and optimizing financial aid positioning through strategic asset placement. We also explore alternative funding strategies such as prepaid tuition plans, education loans, and family financing options. For families with multiple children, we create staggered savings approaches that accommodate different timeline needs. Our education planning extends beyond just saving money. We help families understand the full spectrum of education financing options, including merit-based aid, need-based assistance, and tax credits. This comprehensive approach ensures your children can pursue their educational dreams without compromising your family's long-term financial security.

Professional investment mixing that spreads your money across different types of investments to reduce risk. We use quantitative analysis to determine the best combination of stocks, bonds, and other assets based on your age, goals, and comfort with risk.

Our investment management focuses on protecting and growing your wealth through personalized portfolio strategies. We analyze your investment timeline and risk tolerance to create customized recommendations that maximize returns. Using fundamental, quantitative, and technical analysis, we deliver precise asset allocation and investment solutions tailored to your unique financial goals.

Investment Risk Management Protecting your money from market ups and downs by spreading investments across different areas and regularly rebalancing your portfolio. Inflation Protection Planning Keeping your money's buying power strong over time by investing in assets that grow faster than rising prices. Emergency Fund Management Making sure you have enough cash available for unexpected expenses without having to sell investments at the wrong time. Retirement Longevity Planning Ensuring your money lasts throughout your entire retirement, even if you live longer than expected, through careful withdrawal planning. Interest Rate Risk Planning Managing bond investments to protect against changing interest rates that could affect your portfolio value. Credit Risk Assessment Choosing high-quality investments and avoiding risky loans or bonds that might not pay back your money.

Smart handling of your everyday finances through budgeting help, cash flow planning, and deciding where to put your money. We help you spend wisely, save more, and keep enough cash available for emergencies. This includes paying off debt and building your emergency fund.