# Kevin Guarino

> Kevin Guarino is a fee-only financial advisor at Clover Leaf Financial in Fairport, New York. Kevin focuses on retirement planning, tax planning and estate & legacy planning. Clover Leaf Financial reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/kevin-guarino/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Clover Leaf Financial
- **Based in:** Fairport, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $75M across 419 accounts
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **Works with:** Pre-retirees
- **CRD:** 6821323 (https://adviserinfo.sec.gov/individual/summary/6821323)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 66 (2020)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** https://www.cloverleafteam.com/

## Frequently asked questions

### Is Kevin Guarino a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Kevin holds no broker registration, and Clover Leaf Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Kevin charge for financial advice?

Kevin's firm, Clover Leaf Financial, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Kevin Guarino based?

Kevin Guarino is based in Fairport, New York.

### What does Kevin specialize in?

Kevin's specialties include retirement planning, tax planning and estate & legacy planning. Kevin works with pre-retirees.

### Is Kevin Guarino registered with the SEC?

Yes. Kevin Guarino is registered as an investment adviser representative in FL (CRD 6821323), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Clover Leaf Financial manage?

Clover Leaf Financial reports $75M across 419 accounts in assets under management.

### How do I contact Kevin Guarino?

Through Kevin's website, www.cloverleafteam.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6821323): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.cloverleafteam.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.