123 Investing is a Christian and veteran-owned financial planning practice based in Apollo Beach, Florida, serving individuals, families, military members, Americans living abroad, churches, and religious families. Through Michael W. Mandarino, an Investment Advisor Representative with G.A. Repple & Company, the practice helps clients understand financial choices and develop strategies aligned with their goals, circumstances, time horizons, and tolerance for risk.

Its services and educational resources cover retirement planning, investment strategies, tax planning, risk management, estate and insurance topics, and faith-focused investing, including biblically responsible investing and planned-giving education. Clients can also access portfolio risk assessments, financial calculators, videos, webinars, articles, and other planning resources. The firm’s process begins with learning about each client’s priorities, then evaluating potential strategies, tradeoffs, benefits, and risks within a broader financial plan.

123 Investing serves communities across Florida, including Tampa, Sarasota, St. Petersburg, and Clearwater, as well as eligible clients nationwide. Its approach emphasizes service, stewardship, faith, and informed decision-making. Securities and investment advice are offered through G.A.