Important Disclosure Information
Last updated: July 18, 2026
General information only
The information provided on this website by Marino Financial ("Marino Financial") is for general informational purposes only. Nothing on this site constitutes a solicitation, recommendation, endorsement, offer to buy or sell, or personalized investment, legal, tax, or accounting advice. You should consult qualified professionals regarding your specific situation before acting on any information contained here.
Registration & jurisdiction
Don Marino is an investment adviser representative (CRD# 8158482) and a licensed insurance producer (National NPN 21730234, Nevada Insurance License #4151633). Advisory and insurance services are offered only to residents of states in which Marino Financial and its representatives are properly registered, licensed, notice-filed, or otherwise exempt from registration. Marino Financial primarily transacts business in the State of Nevada. Contacting us does not create an advisory or client relationship.
Form ADV availability
A copy of the current written disclosure brochure (Form ADV Part 2A) and brochure supplement (Form ADV Part 2B) discussing our business operations, services, and fees is available upon request at no charge by emailing don@marinofinancial.com or calling 702-886-2611. Additional information about Don Marino is also available at adviserinfo.sec.gov.
Insurance advertising
Insurance products and services are offered through Don Marino, a licensed insurance producer (NPN 21730234; Nevada Insurance License #4151633). Marino Financial is not an insurance company or underwriter. Insurance products described on this website are issued by third-party insurance carriers and are subject to the applicable policy or contract terms, underwriting requirements, exclusions, limitations, and state availability. Premiums, benefits, features, riders, and product availability vary by product, applicant, carrier, and state. References to insurance-company financial-strength ratings refer to ratings issued by independent rating agencies. Ratings are subject to change and are not guarantees of future performance or payment of claims.
Health insurance comparisons
Any comparison of health insurance premiums, benefits, provider networks, or potential savings is illustrative and is not a guarantee of availability or savings. Actual options and premiums depend on the type of coverage and applicable rating and eligibility rules. ACA Marketplace premiums may vary based on factors permitted by law, including location, age, household enrollment, tobacco use, and plan category, but not based on an applicant's health status or medical history. Non-ACA or short-term medical coverage, where available, may be subject to medical underwriting, exclusions, limitations, and different eligibility requirements.
Tax statements
Statements on this site about "tax-free," "tax-deferred," or "zero tax" outcomes describe general features of Roth IRAs, traditional IRAs, 401(k) plans, and rollovers under current federal tax law. Your actual tax outcome depends on your individual situation and on adherence to IRS rules, including the Roth 5-year rule, applicable contribution and income limits, required minimum distribution rules, and rollover procedures. Marino Financial does not provide tax or legal advice — consult a qualified tax professional before acting.
Annuity guarantees
Any guarantees associated with annuities — including guaranteed income, principal protection, minimum interest rates, and enhanced death benefits — are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Annuities are long-term contracts designed for retirement; withdrawals prior to age 59½ may be subject to a 10% federal tax penalty, and surrender charges may apply during the contract's surrender period. Fixed indexed annuities are not directly invested in a market index, and index performance does not include dividends. Crediting methods, participation rates, caps, spreads, charges, and other contract terms vary by product and may change where permitted by the contract.
Investment risk
Investing involves risk, including possible loss of principal. Past performance is not indicative of future results. No investment strategy — including diversification, asset allocation, or any specific product mentioned on this site — can guarantee a profit or protect against loss.
Third-party links
This site may link to third-party websites, including carrier enrollment portals. Marino Financial is not responsible for the content, accuracy, or privacy practices of any third-party site.
Contact
Marino Financial · 304 S Jones Blvd #4606, Las Vegas, NV 89107 · don@marinofinancial.com · 702-886-2611