Financial planning from someone who's built businesses, raised a family, and lived the decisions.
Independent advisor in Wesley Chapel, FL. I work with Tampa Bay families and business owners on coordinated plans—investments, retirement, estate, business, and risk—so the next decision is never the one you regret.
A business owner who became your financial advisor.
I'm Mike Garcia, AAMS®—husband, father of five, and an independent financial advisor with BRIA Capital Group. Before financial services, I spent 20+ years as an entrepreneur: restaurants in California and Louisiana, hair salons, and a catering company. Jessica and I moved our family from Colorado to Wesley Chapel in 2018.
That background matters. When I sit across from a business owner or a family thinking about retirement, I'm not reading from a script—I've lived the financial decisions that come with building something.
Five planning areas. One coordinated plan.
Most advisors specialize in one piece. I look at how investments, retirement, estate, business, and risk decisions affect each other—because in real life, they do.
Investment Planning
A disciplined, long-term approach—portfolios built around your goals, time horizon, and tolerance for risk.
Retirement Planning
Map the road from accumulation to distribution so your savings translate into income you can count on.
Estate Planning
Wills, trusts, and legacy strategies so what you've built passes the way you intend.
Business Planning
401(k)s, buy/sell agreements, executive benefits—solutions for owners and key employees.
Risk Management
Life, disability, and long-term care coverage that protects the plan when life doesn't go as expected.
A straightforward process. No high-pressure sales.
Discovery Call
A 30-minute introductory conversation. We'll talk through what's on your mind, what you're working toward, and whether working together makes sense.
Plan Build
If we move forward, I dig into the details—current accounts, tax picture, family situation, goals—and build a plan that addresses each piece in plain English.
Ongoing Partnership
Plans are living documents. We review, adjust as life changes, and make sure the strategy still matches reality—year after year.
Trusted by Tampa Bay families & business owners.
"Mike took the time to actually understand what we wanted out of retirement—not just the numbers. We finally feel like we have a plan instead of a pile of accounts."
"As a business owner, I needed someone who could speak to both my personal goals and the company's. Mike handled both. The 401(k) we set up has been a game-changer for retention."
"Honest, patient, and never pushed a product on me. That alone made him different from everyone else I'd talked to."
Common questions, answered plainly.
Who do you typically work with?
Families and small-business owners in the Tampa Bay area, generally with $250k+ in investable assets or a business they're building toward sale or succession. That said, the discovery call is free—if I'm not the right fit, I'll tell you and point you somewhere that is.
How are you paid?
Fees are transparent and discussed up front. Depending on the engagement, that may be a flat planning fee, an asset-based advisory fee, or commission for certain insurance products. You'll always know what you're paying and why before anything is signed.
Are you a fiduciary?
When acting in an advisory capacity, yes—I'm held to a fiduciary standard, meaning I'm legally required to act in your best interest. For insurance products, I work to recommend what actually fits your plan.
Do I have to live in Tampa Bay?
No. I'm based in Wesley Chapel and serve most of the Tampa Bay area in person, but I work with clients across Florida and several other states virtually.
What's the first meeting like?
A 30-minute call, no obligation. We'll talk through what you're working on, what you'd like clarity on, and whether it makes sense to keep talking. No pitch, no homework required up front.
Let's see if we're a good fit.
A 30-minute introductory call—no pressure, no obligation. We'll talk through your goals and whether working together makes sense.