Roll your old 401K, TSP, or 403(b) into an IRA — without the tax hit.
Left a job, retired from federal service, or moved on from teaching? We move your old 401K, Thrift Savings Plan (TSP), or 403(b) into a low-fee IRA you actually control, with zero tax consequences when it's done right.
What you get
401K, TSP & 403(b) — all handled
Private-sector 401Ks, federal TSP accounts, and 403(b) plans for teachers, nurses, and nonprofit staff. Same clean process for each.
Direct trustee-to-trustee transfer
We coordinate with your former plan administrator so the funds never touch your bank account — meaning no 20% withholding and no tax surprises.
Lower fees, more choices
Most old employer plans are stuck in a handful of high-fee funds. An IRA opens up thousands of ETFs, mutual funds, and target-date options.
Traditional or Roth
We walk you through whether a Roth conversion makes sense based on your current bracket and long-term goals.
One local advisor
Not a call center. You get a licensed Nevada advisor who knows your name and answers the phone.
Who it's for
- You've changed jobs and have a 401K sitting with a former employer
- Federal employees or retirees with a TSP account (traditional or Roth)
- Teachers, nurses, and nonprofit workers with a 403(b) from a prior role
- You have multiple old retirement accounts you want consolidated
- You're retiring or approaching retirement and want more control
- You want to explore a Roth conversion
Need more answers?
One conversation with a licensed Nevada advisor. No robocalls, no pressure — just a plan that fits.
Common questions
Will I owe taxes on a rollover?
Not on a direct rollover to a traditional IRA. A Roth conversion is taxable but often worth it depending on your bracket — we run the numbers with you.
How long does it take?
Most rollovers complete in 2–4 weeks. We handle the paperwork and follow-up with your old plan administrator.
Is there a fee to roll over?
No fee to work with Marino Financial for the rollover itself. Some old plans charge a small closing fee.