At-Risk Account
Your current 401(k), IRA, 403(b), or previous employer plan — fully exposed to market volatility.
- 100% market risk on principal
- Sequence-of-returns risk in retirement
- No guaranteed income stream
- Limited downside protection
Service / Strategic Transfers
Strategic
Strategic
Retirement
Rollovers.
Move your hard-earned savings from a position of market risk into a protected vehicle designed to generate guaranteed lifetime income.
Take command
of your capital.
Whether your retirement savings are in a current 401(k), an IRA, or a plan from a previous employer, Mastri Financial helps you take command of your capital. Many "active" plans leave your hard-earned savings exposed to 100% of market volatility — risking the foundation of your future.
Our goal is to move your hard-earned savings from a position of market risk into a protected vehicle designed to generate guaranteed lifetime income. We help you transition these funds so they are shielded from downside volatility while still capturing growth, ensuring that the wealth you've built stays exactly where it belongs: with you.
The Transfer
From at-risk
From at-risk
to protected.
A direct, tax-free trustee-to-trustee transfer. Your money goes from one qualified account to another — never to you, never taxable.
Protected Vehicle
A Fixed Indexed Annuity or other qualified vehicle architected for principal protection and guaranteed income.
- Principal contractually protected
- Captures market upside with floor
- Guaranteed lifetime income option
- Tax-deferred growth maintained
Direct trustee-to-trustee transfers are not taxable events when properly executed under IRS rules for qualifying retirement accounts. The funds move directly between custodians — they never pass through your hands.
Eligible Accounts
What we can
What we can
roll over.
Current 401(k)
If you're still working but 59½ or older, many plans allow an "in-service distribution" — partial rollovers while you're still contributing. Worth checking whether yours allows it.
Old 401(k) / 403(b)
The biggest opportunity. Most people leave old plans behind and forget about them — fees compound, fund choices shrink. Rolling them out gives you control and access to better vehicles.
Traditional IRA
Existing Traditional IRAs can be transferred into qualified annuity vehicles via a direct rollover, maintaining the tax-deferred status with no taxable event.
403(b), 457, Pension Lump Sum
Public sector 403(b) and 457 plans, lump sum distributions from defined benefit plans, and other qualified accounts can all be eligible for rollover treatment.
How It Happens
Four steps.
Four steps.
One signature.
I
Assess
We review your current accounts, fees, allocations, and overall retirement picture. Identify what's eligible to roll over and whether it makes strategic sense.
II
Design
We design the receiving vehicle around your income goals and timeline — choosing the right annuity product, income rider, and crediting strategy from across the carrier market.
III
Execute
I handle the paperwork: rollover request forms, transfer authorizations, custodian-to-custodian coordination. The funds move directly — you never touch them, no tax events.
Total timeline from signed paperwork to funded account: typically 2–6 weeks depending on the releasing custodian.
The Tax Mechanics
Done correctly,
Done correctly,
there's no tax event.
The reason direct rollovers don't trigger taxes is straightforward: the IRS doesn't consider a transfer between qualified retirement accounts to be a distribution. The funds maintain their tax-deferred status throughout.
The danger is in indirect rollovers — where the check is sent to you and you have 60 days to redeposit it. If executed wrong, the entire amount becomes taxable income. We don't do indirect rollovers. We use direct trustee-to-trustee transfers exclusively, which means the receiving custodian gets the funds straight from your old custodian.
This is what "tax-free transfer" actually means in practice — and why the paperwork matters more than the marketing.
Take Command
Move from at-risk
Move from at-risk
to protected.
Most people don't realize how much of their retirement is exposed until we run the numbers. Let's start there.