We can open nearly all account types offered through Charles Schwab. This includes individual accounts, self-directed IRAs, trusts, and LLCs. We are committed to making the setup process as seamless as possible by assisting with all the necessary paperwork and setup requirements to get your account up and running efficiently. Whether you are looking to manage personal investments or set up a more complex financial structure, our team is here to provide the expert support you need for a smooth experience.

In many cases, YES... Granite is able to accept most self-directed IRA/401k accounts. We understand how important it is to maximize the potential of your retirement funds, and we strive to offer flexible solutions to help you achieve your financial goals. To ensure your specific IRA/401k account is eligible and to get personalized guidance on how to proceed, please contact us directly for detailed information. Our team is enthusiastic about helping you navigate your investment options seamlessly!

On a limited basis, YES. Granite Capital, through its Keystone Advantage Hedge Fund, is able to accept many international clients. For specific details regarding eligibility and the account setup process, please contact us directly. Our team is ready to provide you with personalized assistance to ensure that our investment opportunities meet your needs and comply with international regulations.

The present minimum subscription threshold for participation in the Keystone Advantage Hedge Fund stands at $500,000. However, in specific situations, there exists the potential to lower this initial investment requirement. For additional details or to discuss your unique circumstances, please feel free to contact us for further information.

Granite Capital places your invested capital into the Keystone Advantage Hedge Fund, which is based in the U.S. with assets held at Charles Schwab. This fund is subject to daily management, administration, and auditing by external third-party service providers. These measures ensure that the fund operates with the utmost integrity and transparency. The continuous oversight by reputable third-party providers helps maintain high standards of accountability and trust, giving you peace of mind about the security and proper management of your investment.

It’s very easy for you to make withdrawals from your account with Granite Capital. Simply submit a digital request (email) to contact@teamgranite.com, giving Granite a 30-day notice of your intent to withdraw funds. Our fund administrator will process your request and inform you when your funds are available. This streamlined process ensures that your withdrawal is handled efficiently and transparently. If you have any further questions or need assistance, feel free to contact our customer support team at contact@teamgranite.com.

There are a few reasons, but the biggest one is that clients are on different fee structures, and fees directly affect the net performance you see in your own account. Granite primarily uses two billing models: 1. Fixed 3% annualized management fee 2. 1.5% management fee + 15% performance fee Because these fee structures behave differently, they will naturally create differences between: • The performance shown on the Granite website (which uses a standardized assumption), and • The performance you see in your personal account, which reflects your actual, specific fee arrangement. ------------------------------------------------------------------------------- How the fee structures affect what you see • In lower-return or negative months: Clients on the 1.5% + 15% performance fee structure may pay less in total fees than the 3% fixed-fee clients, because the performance fee is tied to profits. That can make their net performance look better than what is shown using a flat 3% assumption. • In strong performance months/years: The 1.5% + 15% structure may result in higher total fees than the flat 3% model, so those clients can see slightly lower net returns than what the website’s standardized performance would suggest. In other words, even if the underlying trading strategy is exactly the same, net results will differ depending on which fee schedule applies to your account. ------------------------------------------------------------------------------- What Granite shows in its published performance For consistency and comparability, Granite has chosen to use the fixed 3% annualized fee assumption when reporting performance on its website and in standard reports. • This creates one common reference point across all investors. • It avoids having the published performance swing up or down just because of different client fee arrangements. So, the performance you see on the Granite website is not customized to your exact fee deal; it is based on a standard 3% annualized fee model to provide a stable, apples-to-apples benchmark. ------------------------------------------------------------------------------- Estimated vs. official performance It’s also important to understand the difference between: • Granite’s live performance app / online figures, and • Official audited performance from NAV Consulting. The numbers you see: • On the website and in the live app are estimates and for informational purposes only. They are designed to give you a timely, approximate view of how the strategy is doing. • Official performance is calculated and verified by NAV Consulting, the fund administrator. Their statements and reports are considered the authoritative record of your actual returns and account values. So if there is ever a discrepancy: • Your NAV Consulting statements and year-end reports are the controlling documents and should be viewed as your true, final performance, • While Granite’s live and website figures should be viewed as good-faith, best-effort estimates that may differ slightly due to timing, fee structure, and data updates.

Since the Keystone Strategy is very actively managed, very few options and ETF positions will be held long enough to qualify for long-term capital gains. The good news is that the equity index options we use fall under Section 1256 contracts. By rule, gains and losses on these contracts are treated as 60% long-term and 40% short-term, no matter how long they are held. In addition, the hedge fund is able to apply mark-to-market accounting on its ETF trades, which effectively eliminates costly wash sales. At year-end, the Keystone Advantage Hedge Fund will issue each member a K-1 outlining their individual tax obligations.

You can reach out to Granite anytime by calling us at 949(mailto:contact@teamgranite.com)-556-5556 or by emailing us at contact@teamgranite.com. We are always available Monday through Friday from 7:00 am to 5:00 pm PST to ensure that all your questions or concerns are immediately addressed. Whether you need detailed information about our services or have specific inquiries, our dedicated team is here to assist you.

It’s very easy. Give us a call or send us an email to get the ball rolling, or if you'd like, you can simply fill out and submit the “New Client Information Questionnaire”(https://www.teamgranite.com/new-client-information-questionnair) to get the process started. Once we have your contact information, our fund administrator will send you a new client package to fill out and get you all set up. The process is pretty easy and straightforward. After that, you’re all set, just sit back and let us get to work !!

At Granite, we make account cancellation straightforward and hassle-free! To cancel your account, simply submit a digital request (email) to contact@teamgranite.com, providing a 30-day notice of your intent to cancel. Our fund administrator will then process your request, and you will be informed once your account is officially closed and your funds are ready for withdrawal. We value your business and aim to ensure a smooth transition for all our clients! Remember, we're here to help you every step of the way.