Michael Mandarino

Advisor Details

Financial Advisor in Apollo Beach, FL with 22 Year(s) of Experience

Professional Designations


Personal Bio

Michael William Mandarino grew up in West Newton, Pennsylvania, a small town 25 miles South of Pittsburgh.

Michael attended the United States Military Academy at West Point receiving a Bachelor of Science in General Management, and a Field of Study in Systems Engineering. He was commissioned a Second Lieutenant into the United States Army in 1996. Michael then attended the Military Police Officer Basic Course in Alabama. On December 2, 1996 he arrived in Germany for his first assignment as a Military Police Platoon Leader. In 1998 he deployed his platoon for six months to Bosnia and Herzegovina for NATO peace keeping operations. After his return from Bosnia, he held positions as a Battalion Personnel Officer and a Group Intelligence Officer in Hanau, Germany. Receiving an Honorable Discharge in July 2001, Michael left the Army to pursue a career as a financial advisor.

In January 2002, Michael started his financial planning career helping the US Military and US Federal Employees living in Germany to achieve their personal financial goals. Michael is currently working as an Investment Advisor Representative for G.A. Repple, serving Americans both overseas and in the United States. In January of 2011 he relocated to the Tampa area of Florida. He offers comprehensive financial plans that include personal savings, multiple investment strategies, and a detailed risk management strategy. His strengths include helping military and federal employees prepare for transitioning into the civilian sector or for their ultimate retirement. Michael currently holds the following Financial Industry Regulatory Authority Licenses: Series 26, 6, 63, and 65. He also holds a residential State Health and Life Insurance Licenses from the state of Florida and is licensed in various states.

Michael is an active member of The Crossing Church in Ruskin, Florida. He is also part of the Iron Men Ministry at the Crossing church where he was blessed to have been their leader for over 2 years at the Tampa Campus. Michael is married and has a daughter who attends Florida State University. He is a member of the West Point Society Florida West Coast Alumni Chapter. Michael also volunteers playing Santa Claus with the 1Voice Foundation, working with Pediatric Cancer patients and their families. He is also a Life-time member of the Veterans of Foreign Wars and the Association of the United States Army and is a Disabled Veteran.

In his spare time, Michael enjoys working out, fishing, traveling and spending time with friends and family, reading his Bible and getting to know God more and more each day.

In November 2016, Michael graduated from the Bible Center for Training for Pastors with a Pastoral Certificate. He is a member of the National Association of Christian Financial Consultants.

Jesus Christ is his Lord and Savior!

One who is faithful in a very little is also faithful in much, and one who is dishonest in a very little is also dishonest in much. Luke 6:10

Firm Name

123 Investing LLC

Firm Bio

123-Investing is a Financial Planning Firm serving clients across the U.S.  Our firm is 19 years old, renamed to 123-Investing in 2008. 123-Investing specializes in providing superior attention to the personal needs of each client helping them reach well rounded financial solutions.

Advisor Type

Broker Dealer - Michael Mandarino

Firm SEC Form ADV

Firm SEC Form CRS

Total Assets Under Management


Firm SEC/CRD #


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The United States Military Academy
B.S. General Management
Duration: 1992 - 1996
Bible Center Training for Pastors
Pastoral Certificate
Duration: 2013 - 2016


Annuities, Life and Disability, Other, Series 6, Series 63, Series 65, Series 7

Advisor SEC/CRD #


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Are you a Fiduciary?


Do you receive any commissions or fees based upon financial products that you provide to your clients?


Methods of Compensation

Assets Under Management (AUM), Fee-Based


Preferred Client Type

Membership Associations


Personal Blog

Affinity Groups

Association of the US Army, Veteran of Foreign Wars, West Point Society of Florida West Coast, National Association of Christian Financial Consultants


Fishing, Healthy Lifestyle, Mountain Biking, Photography, Running/Jogging, Travelling

Military Veteran


Volunteer Experience

Social Media Volunteer for the 1Voice Foundation – 2yrs
4th & 5th Grade Volunteer Coordinator- The Crossing Church – 1yr 8 months
Iron Men Leadership Team- 3yrs 3 months
Board of Directors, West Point Society Florida West Coast- 3yrs 6 months
Chapter President of the Old Ironsides Chapter of AUSA- 2yrs 8 months
Prayer Partner- The Crossing Church- 8yrs
Financial Chairman of the AUSA Suncoast Chapter- (Current)
Director, National Association of Christian Financial Consultants (Current)


Business Networking International- 6 year member

Brigade Wrestling Champion, West Point, NY 1993

Member of Frankfurt 1880 SC German Lacrosse Championship Team


Nehemiah Award- Oct 2018  G.A. Repple & Company

2013 1Voice Foundation Co-Volunteer of the Year

Outstanding Volunteer of the Year- 2012- West Point Society of Florida West Coast

Publications Featured In



Securities and Investment Advisory services offered through G.A. Repple & Company, a Registered Broker/Dealer and Investment Advisor, Member FINRA & SIPC

101 Normandy Road, Casselberry, FL 32707 (407) 339-9090

Michael W. Mandarino may only conduct business with residents of states and/or jurisdictions for which he is properly registered. Please note that not all of the investments and services mentioned are available in every state and/or through Michael W. Mandarino

Additional Info

Jesus Christ is my Lord and Savior!


Apollo Beach, FL 33572

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