Financial planning and wealth management
Build your financial life on a Rock-Solid foundation.
One plan for your cash flow, investments, tax strategies, estate, and insurance, with one team keeping every piece in sync.
Planning for the life you’ve worked hard to build.
Good pieces aren’t a plan until someone puts them together.
Your 401(k), brokerage account, business, and tax return can each look fine on their own. We built the Rock-Solid Financial Framework so one team reviews them together, and every decision is made with the whole picture in view.
Five pillars, working as one.
Every client’s plan covers all five. When they work in sync, each decision supports the others instead of quietly undoing them.
Built for people with more moving parts than time.
A team built around you.
We’re a team in Rockaway, New Jersey, and you’ll know every one of us by name.
Michael J. Guarino, CDFA®, AIF®Founder, Chief Executive OfficerMeet Mike
Richard A. RosaLead Wealth Advisor, Financial PlannerMeet Rich
Kimberly CrawfordChief Operating OfficerMeet Kim
Tracy AmatoClient Relationship ManagerMeet Tracy
Michele MerrillClient Service ManagerMeet Michele
Rachel CiarroccaClient Service AssociateMeet Rachel
Questions we hear every week.
It’s a conversation about what matters to you: your values, how you picture retirement, what you want to protect, and the questions you keep coming back to. You’ll learn how we work, and we’ll learn whether we can help. Nothing is sold, and nothing is decided on the spot.
No. The Discovery Meeting comes with no cost and no obligation. If we both decide to move forward, we’ll explain exactly what working together involves before anything starts.
Before the meeting, we’ll send you a short fact finder. It asks about your accounts, income, and goals, so our time together can focus on you instead of on gathering paperwork. Fill in what you can, and we’ll ask about the rest.
People within sight of retirement, corporate executives, corporate employees, and business owners, mostly here in New Jersey. Our clients generally have at least $1 million in investable assets, and most have between $1 million and $5 million. What they have in common is savings built over a career, and a wish to have all the pieces coordinated instead of managed one at a time.
It’s our name for planning across five pillars at once: cash flow and retirement, investments, tax strategies, estate and legacy, and risk and insurance. Every client’s plan covers all five, and every decision is checked against the other four before it’s made.
Recent insights
All articles
Published Jun 29, 20265 Retirement Prep Questions for Retiring Within 10 Years
Published May 19, 2026Integrated Financial Planning: 6 Reasons It Matters More Than Silos
RetirementPublished Feb 4, 20255 Major Retirement Regrets (That Are NOT Inevitable & How to Avoid Them)
Estate PlanningPublished Feb 4, 20257 Effective Tax Optimization Strategies for High-Net-Worth Individuals
Let’s move forward together.
You’ve worked hard to build what you have. Start with a Discovery Meeting, at no cost and with no obligation. We’ll talk about where you are and where you want to go, and you’ll leave knowing exactly what working together would look like.
