Estate & Financial Planning Associates

Estate & Financial Planning Associates is an independent financial planning firm located on Elmwood Avenue in Rochester, NY. Founded in 2004 by Guy Guarrera, the firm has operated for over two decades from a professional office park in the Highland neighborhood near the intersection of Elmwood Avenue and Clinton Avenue. The practice operates independently, offering securities and advisory services through a broker-dealer relationship rather than through a proprietary product platform, which allows the team to select from a broad range of financial instruments on behalf of clients.

The firm provides a range of financial planning and wealth management services for individuals, families, and small businesses. Core service areas include:

• Retirement planning and income strategies
• Estate planning and legacy preservation
• Portfolio management and investment asset allocation
• Insurance and risk protection evaluation
• Tax minimization strategies
• Pension consulting
• Educational seminars and workshops

Clients can engage the firm through asset-based fees, hourly rates, or fixed-fee arrangements depending on the scope of work. The team's approach centers on building long-term relationships and developing customized financial plans that address each client's specific circumstances, from managing debt and saving for college to preparing for retirement.

Estate & Financial Planning Associates has built its practice around a holistic, education-oriented approach to financial guidance. Owner Guy Guarrera brings over 25 years of experience in the financial services industry and holds Series 63 and Series 65 registrations. Wealth Advisor Kyle Witman, who joined the firm in 2019, holds the Accredited Asset Management Specialist (AAMS®) designation along with Series 7 and Series 66 licenses. The firm's emphasis on objective planning — without restrictions tied to proprietary products — distinguishes it from advisors housed within larger banking or brokerage institutions.

The firm's office is at 1655 Elmwood Avenue, Suite 200D, within an office complex that houses medical and professional tenants about a mile from the University of Rochester Medical Center campus. The Highland neighborhood surrounding the building is one of Rochester's most established residential areas, situated near Highland Park — the Frederick Law Olmsted-designed park famous for its annual Lilac Festival each spring. Office hours run Monday through Friday, 9:30 AM to 5:00 PM. The Elmwood Avenue corridor provides convenient access to major crosstown routes and nearby dining and shopping options along the South Clinton Avenue stretch.