Michael J. Guarino III

Michael J. Guarino III is the Founder and CEO of Granite Wealth Partners in Denville, New Jersey, where he helps pre-retirees and retirees move from financial uncertainty to total confidence. With over 25 years of experience, Michael specializes in helping successful savers—particularly those from local companies like ADP, UPS, and Johnson & Johnson—organize their financial lives so they can stop second-guessing their decisions. He is driven by a simple but powerful guiding principle (“What we do today echoes in eternity”), reflecting his deep commitment to the lasting impact of thoughtful financial leadership.

Through the firm’s proprietary Rock-Solid Financial Framework™, Michael and his team act as the “leader of the band,” coordinating the five essential pillars of a successful retirement: investment strategy, tax awareness, retirement income, estate planning, and protection. Rather than managing these areas in isolation, he uses a structured scoring methodology to identify blind spots and keep each part of your financial life working in alignment. Michael’s goal is to turn overwhelming complexity into a clear, practical road map, allowing you to focus on enjoying your retirement rather than worrying about the markets.

Michael’s dedication to a “service-first” approach is rooted in a strong blue-collar work ethic. He paid his own way through college by working at UPS and spent time as a mechanic’s helper, an experience that gave him a unique appreciation for how different parts of a complex system must work together to function properly. Inspired by his father’s decades of impactful work in the financial industry, Michael established Granite Wealth Partners to provide the high-touch, “white-glove” experience he believes every family deserves.

A resident of Allamuchy, New Jersey, Michael is a proud father of three sons, whom he coached in lacrosse for over a decade. Outside of the office, you can often find him on the golf course or in the gym, drawn to activities that demand the same discipline and focus he brings to his clients. An avid musician, he has played the blues on his guitar since age 13 and enjoys cooking and songwriting.

To see where you stand today and start building your own rock-solid foundation, you can take our Rock-Solid Financial Score or schedule a Discovery Meeting to begin the conversation.

Licenses and Education

• Certified Divorce Financial Analyst™ (CDFA™)
• Accredited Investment Fiduciary® (AIF®)
• Investment Advisor Representative, Private Advisor Group
• Registered Representative, LPL Financial
• FINRA Series 7 & 66 Licenses (held with LPL Financial)
• Life and Health Insurance Licensed
• B.A., William Paterson University
• Morris Catholic High School – Class President
   

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