Business Innovators Radio - Interview with Jordan Mangaliman, Fiduciary Retirement Advisor & Founder of GoldLine Wealth Management Discussing Trust and Transparency i

Episode Date: October 9, 2025

Jordan is a second-generation Fiduciary Retirement Advisor and has dedicated the last 15 years to educating his clients on how to build and protect the assets they have worked so hard to accumulate. His family has now been serving clients for over 45 years and has helped over 1,200 families across the nation, spanning from Hawaii to New York. His diverse base of clients entrust him with their financial well-being, and he proudly owns a record free of any consumer complaints. This is a direct result of the core values at GoldLine Financial. This expansive industry experience has allowed their team to provide sound advice to their clients during both bull and bear / recession markets.He earned his Bachelor’s Degree in Finance at UC Riverside. Personal finance, market trends, investment strategy, and wealth preservation is what drives Jordan’s hunger for knowledge which he shares with his clients and incorporates regularly into his practice. Jordan’s family has been a pioneer in the Christian-Catholic Ministries in Los Angeles for over 35 years. At a young age he was involved with his church’s ministry which planted the seed for his leadership positions today.“As a Fiduciary Advisor, our clients trust us because we have a track record of putting their needs first at all times. My job is to foster a relationship of trust, both legally and ethically. Our expansive industry knowledge, experience during up and down markets, research, and world-class service is what forges our lifelong relationships with our clients. Our tenets of full transparency and a high level of communication are the pillars of trust that we build with our clients and the multitude of financial institutions we work with. Many of our clients have become like family and we could not be more grateful for them.”Learn more: https://goldlinewealthmanagement.com/Advisory services provided through CoreCap Advisors, LLC. GoldLine Wealth Management and CoreCap Advisors are separate and unaffiliated entities. Securities trades are not accepted through email, voicemail, or fax. Please contact your representative at the number listed above to place any securities trades. This e-mail message and any attachments are solely for the confidential use of the intended recipient. If you are not the intended recipient, notify us immediately by return e-mail and promptly delete this message and any attachments from your computer.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jordan-mangaliman-fiduciary-retirement-advisor-founder-of-goldline-wealth-management-discussing-trust-and-transparency-in-retirement-planning

Welcome to influential entrepreneurs, bringing you interviews with elite business leaders and experts, sharing tips and strategies for elevating your business to the next level. Here's your host, Mike Saunders. Hello and welcome to this episode of Influential Entrepreneurs. This is Mike Saunders, the authority positioning coach. Today we have back with this Jordan Mungaliman, who is a fiduciary retirement advisor and founder of Goldline Wealth Management. Jordan, welcome back to the program. Thanks for having me, Mike. Hey, I know today we want to talk about a really powerful topic, which is trust and transparency.

And I would say that those are currencies in today's day and age, not like money or crypto or dollar or anything like that, but the currency of trust is so powerful because I feel like we have been distrustful for so many decades with all of the things we see on. or I can't trust this or with AI. Is this really the human talking or video? So I'm really excited that you're wanting to talk about trust and transparency. Talk a little bit about your views of what trust and transparency are. And what are some of the key factors that retirees have to be aware of to determine if they can even trust their current financial advisor? Sure. Sure. So I think it's important to note that trust. is one of those tricky things. It takes time to build, but you can lose it in a day, right?

Yeah. And so our office believes that trust is earned and not given, and not just earned in the first transaction or earned in just the first year. We believe in earning that trust year in and year out for life, right? And so a lot of things go into trust, communication. A lot of the times what we hear when clients are moving from their advice, I haven't heard from my advisors since, you know, two or three years ago. Or, you know what?

Maybe I'll get my statement in and maybe only for 15 minutes a year. And that's about it. They're not giving me any new advice for any ways I can improve. So communication is important. You know, somewhere whore values are servanthood. We're here to serve. And, you know, there's something to be said for prioritizing client relationships over customer transactions.

And as a consumer, as a client, as an investor, I think you'll know when it feels transactional versus transformational. And I'll give you kind of, we'll dive into that. A lot of people think that customers and clients are interchangeable, right? But they're actually very, very different. A customer transaction is if, like, I sold you not to knock at the industry, but solar or just a life policy or a newie policy where it's just very transactional. You might hear for me in a few years or maybe I'll ask for some referrals.

it's transactional, right? A customer relationship. A client relationship, on the other hand, is transformational. We're there with you with all of life milestones and changes. We're doing Roth conversions. We're there with you. We need to take on more income. We're there with you.

You're helping one of your kids or grandkids buy a home. We need to make some distributions. We're there with you. We're doing year-end tax planning. We're there with you. Right. And that's what we focus on is the relationship. That's what matters to us the most.

The relationship over the transaction. It reminds me of many years ago. I was in the mortgage industry and you'd go to real estate closings. And I used to say this so many times and it really was an eye opener for people. It's really not a closing. It's an opening of a relationship. And that's exactly what you're describing here. If it's transactional, you know, buy my financial product. That's great. And then you never hear from again. But if it's a true opening of a relationship, then you've got their best interest. at heart, and you're watching for ways to educate and teach them on the next thing they should be considering. And if it would benefit them, wonderful. If not, you're not going to be pushy. Definitely. Definitely. And I think a few things go into that, right? What other sources can you rely on to vet your potential retirement advisor? What's their track record? Do they have any reviews online, on Facebook, on Google, or on Better Business Bureau? What's their online presence? How does their website look? Is it is it aligning with what I'm trying to accomplish, right?

Have they been published in any third-party sources to vet that this is just some website? You know, our firm has been featured in over 40 news publications from Forbes, Yahoo Finance, CNN, MSNBC, US News, gold bank rates. You know, we consider ourselves privileged to create content and education for retirees that are making some big decisions up ahead. Recently, we were on Fox News that aired two weeks ago, right? So we care about those things. What licenses does retirement advisor hold, right? Is it just a life insurance license and they're trying to pigeonhole me into one product? Or do they have a securities license where they're not held to just one type of product? You mentioned it earlier. You know, maybe they go to an event and they're not independent. They're captive into one

type of product or one company. There's an excellent book written by Josh Brown, and it was called Backstage Wall Street. And he chronicles his time when he was at a firm, and every month his manager would knock on his door and say, hey, Josh, you know, we got this mutual fund, and you got to sell X amount of products of this. And we'll double your commission.

Or, hey, we got this bond or whatever it may be. And if you hit this, you'll hit your quota, you know, twice as fast. right and it didn't sit right with them he said you know what if that's the case who's best interest am i working towards my clients or my own right right and so all these questions are really important when you're interviewing your potential retirement advisor who's going to guide you through your retirement experience are they independent or are they held to you got to sell x amount of product or whatever it may be to meet your quota and not really looking up for my best interest um check for any complaints. Does the advisor have any formal complaints with the SEC?

Those things matter. And then going for an interview, right? There's something to be said for chemistry between you and the advisor. Do you like their communication style? Do you generally like them? Do you trust them? Do they rub you the wrong way? Do you feel important and heard? Or are they just trying to sell you something or provide fiduciary advice? Right? So all those things kind of go into who you're potentially going to work with. You know, you brought up something that makes me remember a book I read years ago talking about how people can sell more of their services, but this point really goes to help a potential client really assess their advisor like you're talking about. But basically, this book was talking about don't be pushy, teach, educate, be an advocate and care about your prospects. And from your perspective there, you need to be educating people, not pitching them on products.

Because if someone is understanding, they're not going to understand to the level you do. But if they understand what you're talking about and they feel educated, they can make an educated decision versus being pushed. So talk a little bit about how that education can be prioritized as far as from the prospect, you know, sensing that. Like, what is a red flag of you're being pitched something versus you're not being taught? Definitely. Definitely. I think Warren Buffett has an awesome quote that opens up this conversation. He says, only invest in things you understand, right?

So if you're getting pitched something and it gets, it sounds really complicated. You don't get it. You should probably take your time to understand what the heck you're putting your money into. Right. And so our office believes that knowledge is power. We always lead with education. We believe that an educated investor is a better investor, right? So I tell my clients all the time, this is never going to be a situation where you say, hey, you know what?

Jordan's my money guy. I just give it to him and he's, you know, it's all his decisions. Right. Like, no, that's not how we operate here. We like to say, hey, we're partnering up. We're collaborating. At the end of the day, this is still your money. Never passes through our hands.

We're just giving you advice and recommendations to say, hey, this would suit you best. for what you're trying to accomplish, right? By prioritizing education, a retirees armed with tools, knowledge to make more informed decisions. And retirees often know when they're trying to be sold or they're trying to get pressured to something or if the advisor is taking their time to educate them on things they're not even thinking about or not knowledgeable about on best practices and strategies for retirement success.

Huge. And I think here's something to also think about. sometimes you will have kind of like the word silo is coming to mind. If you're working with someone that is just selling one specific type of product, they've got this silo of a product and that's all they do. On one hand, that's good because they're an expert. But on the other hand, as the pre-retiree, is that serving you well? Because in reality, you might need a whole team of people that know estate planning,

tax planning, income planning, insurance planning, all of these things. So let's dive into now the benefit of having this holistic approach and finding an advisor that you can trust, right, that brings all of that to the table rather than having to start from scratch and finding the next expert to help you with a full complete plan. Definitely. You're being a great point. If an advisor can only sell or push towards one solution and one product, are they really keeping your best interest in mind or just trying to sell you the only thing they can? There's just saying when all you have is a hammer, everything looks like a nail, right?

And it's a hard position to be in as a consumer. You're like, oh, I don't know if this is best for me, but this is all I can sell me, right? What you want is holistic planning. I think that's where the market is heading. So for all our listeners out there, I want you to go. Google a family office or a family office style setup. And essentially, they were previously reserved for clients at $15 to $30 million or more in assets

than you could really build a family office. And what it is is basically you have every institution in what you need, whether it's insurance planning and investment planning all in one hub, right? Insurance, taxes, estate planning. Now, I'm not here to say, hey, I'll do your tax for you and I'll do everything for you. That's not what we're saying. What we're saying is that your retirement advisor should act as your personal CFO, your chief financial officer, right? And your chief financial officer should make recommendations to say, hey, this part of your plan needs to be planned out.

And you shouldn't expect them to do the actual planning, but they should refer you to someone that they trust in their network. Right? Because there's something to be said for synergy amongst your advisor. The reason why it works is because, two, you don't have to go vetting on Google or Yelp, trying to find the best other advisor, hopefully they have a referral for you. And two, you don't have to go re-explaining your plan to each part of your team. You're essentially building a team of professionals around you. Now, I want to highlight something.

I said, this is a referral. At that point, these are options that once the introduction is made, you have the initial meeting consultation, and then you get to the same way. you interviewed your advisor for retirement, interview them to say, hey, is this a personal good fit? Right. So if it's a tax planning, you want to work with a good CPA that focuses on that. If it's insurance planning, you're looking for a good insurance broker. If you're looking for estate planning, you're looking for someone who, you know, really

an attorney that focuses on estate planning, you know, and maybe a living trust, whatever it may be. Once you've gone through the process of meeting these individuals and put together your team, now you have a financial team built around you and your goals, right? And so we have a retirement compass that touches on all of these pieces. Again, we don't do the essay planning and neither would you want your advisor to. But that's where you get referred on to the estate planning attorney that will walk you through that process, right? Because those are major pillars in a retirement. plan, you know, and then there's bullet points and sub points underneath each of those.

But if someone is listening to what you just said and thinks, hold on, I've got my tax person that files my taxes and I've got my insurance person and financial person. I don't have a estate planning attorney. I don't have a tax planning professional. And see, there's a big difference. And we can go off on a tangent on that. But there's a difference between a tax preparer and a strategic tax. planner. If someone is hearing this going, I don't have any of those, do I need them? And then also

from the someone that goes, I already have a guy, right? I've got my tax. Can you work with a client that already has their professionals in that realm and bring them in to get them on the same page? And then what would you say to someone that goes, I don't even have anyone and do I need all these people? Definitely. Yeah. By all means, a lot of people already have their own professional set. You know, I always say, like, hey, if the plan is good, let's keep it. If you want a second opinion, why not? A lot of times it doesn't cost you anything for a second opinion, you know, because tax laws, especially on the tax aspect, tax laws are changing.

There's some that are sundowning 2025. So you have to be vigilant and agile to what's going on. And if it's a great plan, then we say, hey, let's add them to the team. It's not an all or nothing approach with us and our firm. We want to have synergy. If we have good chemistry with your current advisor, maybe it's taxes or estate planning, yeah, let's keep that intact. and build a team around you, you know,

and getting that second opinion, if it makes sense. You touched on something in terms of taxes. We do a whole class literally on just taxes in retirement because those rules change then as opposed to the taxes you had in your working years. A tax preparer is probably going to meet with you once a year, sometime in March, right, March or April. But at that point, it's probably too late to tax plan because you're working on last year's numbers.

Yeah. Right? A tax strategist or a tax strategist. tax planners, we're working with you a few times a year to say, hey, are we in, are we in line of what our goals are? Are there any change that we need to be made? And what we like to do is oftentimes we work in tandem with the CPA. If they have a CPA, we'll get on a call with them and say, hey, this is what we're planning for this year, year end. Like, if we're trying to do, we're doing this in October, this, this podcast, we have about three months left for a Roth

conversion. We got to plan for that. And so having that in coordination with your tax professional is extremely important. Now, someone might be listening to that going, I'm not a business owner with nine levels of corporate entities and rental properties. Do I need that? I would say it never hurts to check. Yeah. Because we make these assumptions to say, oh, you know what?

I got simple stuff. I got Social Security and IRA income and that's it. Well, are there strategies that we can implement to possibly improve the tax situation? Can we do Roth conversions? Do you have a business that maybe you're not, you know, strategizing for? Do you have this rental property that you forgot that, you know, can be, can be helpful for your overall picture, right? And that's where working with an advisor, doing overall strategy, and then bringing in a tax professional really becomes valuable. 100%.

Well, Jordan, let's wrap up with this thought. If someone is talking to an advisor, what is something that? that they might be being told that would trigger them as a red flag that maybe the trust in transparency isn't all that it should be and maybe you should be moving on. I got one. I got a good one. So after a lot of our classes, I'll have clients ask me, oh, should I be in the stock market or a big one?

Our annuity is bad. Should I not buy an annuity? And from a fiduciary perspective, what am I going to say? Yeah, all annuities are bad or no, don't be in the stock market. You can't say that, right? Because all investments have attributes. And those attributes are geared to solve specific problems, right? Let's say we're looking at cars and I say, you know what?

Two-door Porsches are really nice. But vans, you know, vans suck. Yeah. Like, well, wait a minute. If I'm trying to, you know. But if you got four kids and they're in soccer, a van would be the perfect solution. Yeah. Exactly.

And that's the way we need to look at investments. right or investment types like each investment type has attributes and they're geared to solve a problem so for maybe i'm looking for high growth and liquidity okay maybe we're looking at etfs or or mutual funds or stocks right something with high growth if i'm looking for more safety you know and i don't mind not touching that money for a while i want some guarantees maybe an annuity makes sense right or if i need liquidity, right? And I need the money in the next five months, but I want to gain some interest on that. And I want some safety in there. Maybe I'm looking at money market. So if an advisor is straight up telling you, oh, stocks are bad or the market's bad or annuities are bad,

I would definitely pause and see that as a potential red flag. Potential. How are you going to tell me? How are you going to tell me this is bad? You don't even know what I'm trying to accomplish, you know? And What if it's a good thing? Yeah, if someone says every time, all the time, never always, sometimes those are words that you might be need to dig a little bit deeper to. That's a great point. And don't get frustrated if someone goes, well, it kind of depends. Because that's not a wishy-washy answer. If they follow it up with, well, it depends. Let's talk about what your long-term goals are. What does retirement look like to you? And let's see if that is a good fit. If it is, let's explore it. If not, we push it off to the side. Exactly. Exactly. You can't say it's always bad or always good. Well, like I started off this conversation, trust is a currency and it should be protected. And I think this has been so spectacular to hear your views on trust and transparency. So if someone is interested in learning a little bit more about what you guys do and reaching out and connecting with you, what's the best way they can do that? Sure.

Log on to our website, www. www.golinewealthmanagement.com. You see a lot of great information and learn about our team. We have some tax planning guides that you can download. And if you want to learn more and maybe schedule a quick 15-minute call to see if we're a good fit, you could reach us at Jordan at goldline-financial.com. Excellent. Well, Jordan, thank you so much for coming back on. It's been a real pleasure talking with you again.

Awesome. Thanks, Mike. God bless. You've been listening to Influential Entrepreneurs with Mike Saunders. To learn more about the resources mentioned on today's show or listen to past episodes, visit www.com.