Michael Mandarino is the founder of 123 Investing and has served families, military members, and professionals since 2002. His work blends practical financial guidance with faith-aligned principles, helping people build clarity, confidence, and long-term stability.

From teaching soldiers overseas about money, to completing biblical leadership training, to guiding clients through major life transitions, Michael brings a calm, educational, service-driven approach to financial planning. He is known for simplifying complex decisions, teaching with patience, and helping clients design financial lives rooted in values, stewardship, and long-term purpose.