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
Marino Financial is an independent insurance agency, not an insurance company or underwriter. Insurance products described on this site are issued by third-party carriers, and product availability, features, riders, and pricing vary by state and by carrier. References to "A-rated" or "top-rated" carriers refer to independent ratings assigned by agencies such as A.M. Best; ratings are subject to change and are not guarantees of future performance. Any comparisons to exchange or marketplace pricing are illustrative — actual rates depend on the applicant's age, health, geography, plan design, and underwriting.
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.
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