Investments, retirement, estate, business, and risk, coordinated under one plan. Work with a Wesley Chapel financial advisor who explains every decision in plain English.
Choosing someone to manage your money is one of the most personal decisions you will make, and it comes down to trust. You want an advisor who is genuinely qualified, who will explain the "why" behind every recommendation, and who treats your plan the way he would treat his own family's.
That is the standard Mike Garcia, AAMS®, holds himself to. Below is what stands behind every plan he builds for Tampa Bay families and business owners, and the reason so many of his clients came to him through a referral from someone they trust. Have a specific situation in mind? Start with a free intro call.
Accredited Asset Management Specialist, a credential focused on the full picture of a household's assets, not just one product.
Fully securities licensed, plus a 2-15 insurance license covering health, life, and variable annuity products.
Securities and advisory services are offered through BRIA Capital Group, so you get an independent advisor with real firm support behind him.
A real office at 2044 Ashley Oaks Cir in Wesley Chapel. You can meet Mike in person, not just over a phone line.
Before financial services, Mike spent two decades building and running companies. He has lived the decisions his clients face.
Every recommendation is explained in language you can act on. The first call is a conversation, not a sales pitch.
I'm Mike Garcia, AAMS®, a financial advisor with BRIA Capital Group. Before financial services, I spent 20+ years as an entrepreneur, building restaurants in California and Louisiana, hair salons, and a catering company. In 2018, Jessica and I moved our family from Colorado to Wesley Chapel.
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.
Most advisors specialize in one piece. We look at how investments, retirement, estate, business, and risk decisions affect each other, because in real life, they do.
Portfolios built around your goals, time horizon, and tolerance for risk.
Map the road from accumulation to distribution, into income you can count on.
Wills, trusts, and legacy strategies so what you've built passes the way you intend.
401(k)s, buy/sell agreements, executive benefits, succession, all coordinated.
Life, disability, and long-term care coverage that protects the plan.
When the topic is your family's money, credentials and character both matter. Here is the experience, expertise, and track record behind every plan Mike Garcia, AAMS®, builds, and why Tampa Bay families choose him and then send their friends.
Mike has worked in financial services since 2006, roughly two decades of guiding families and business owners through real market cycles. Before that he spent 20+ years building and running his own companies, so the advice comes from someone who has actually been in your shoes.
Read Mike's storyMike holds the AAMS® designation, Series 7 and Series 66 securities licenses, and a 2-15 insurance license. That range lets him coordinate investments, retirement, estate, business, and risk under one roof instead of handing you off.
Explore the servicesSecurities and advisory services are offered through BRIA Capital Group, an established firm. You never have to take anyone's word for it, Mike's license and record are public and searchable any time.
Verify on FINRA BrokerCheckA perfect 5.0 rating from 39 Google reviews by Tampa Bay families and business owners, plus a steady stream of referrals from existing clients. The first conversation is always a no-pressure call, not a pitch.
Read client reviewsMost people do not need another advisor who talks over their head. They need someone who will sit down, listen, and lay out their options in plain English. That is the standard Mike Garcia, AAMS®, holds himself to on every plan he builds for Tampa Bay families and business owners.
Real financial planning is not five separate decisions made in five separate rooms. Your investments affect your taxes. Your business affects your retirement. Your insurance protects everything you have built. Mike coordinates all of it under one plan, so the pieces work together instead of against each other, and so you always know why each recommendation is on the table.
There is never any pressure. The first conversation is a 30-minute call to understand where you are and where you want to go. If working together makes sense, great. If not, you will still walk away with a clearer picture than you came in with. Learn more about Mike or book a consultation.
Portfolios built around your goals, time horizon, and real tolerance for risk, not a one-size-fits-all model.
A clear path from accumulation to distribution, so the money you saved turns into income you can count on.
Wills, trusts, and legacy strategies so what you have built passes to the people you love the way you intend.
401(k)s, buy-sell agreements, key-person coverage, and succession, coordinated with your personal plan.
Life, disability, and long-term care coverage sized to protect the plan when life does not go as scripted.
Three steps from first conversation to a plan you can actually use.
A 30-minute conversation about what you're working toward and whether working together makes sense. No pitch, no obligation.
We dig into current accounts, tax picture, family situation, and goals, then build a plan that addresses each piece in plain English.
Plans are living. We review and adjust as life changes, so the strategy still matches reality, year after year.
Mike Garcia, AAMS®, works with families and business owners throughout the Tampa Bay region and Central Florida, in person at the Wesley Chapel office and virtually wherever you are. Every community here saves, earns, and grows a little differently, so the planning conversation changes from one town to the next.
Select an area below to see how we serve it, then open its page for the full local picture and to book a consultation.
Our home base. Local planning for one of the fastest-growing suburbs in Tampa Bay, from new SR-54 and SR-56 families to the retirees moving in around them.
Financial planning in Wesley Chapel
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.
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.
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.
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.
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.
Mike Garcia works with clients in person at the Wesley Chapel office and virtually across the Tampa Bay area. The first step is a relaxed 30-minute conversation, no pressure and no obligation, to understand where you are and where you want to go. Stop in, call, or book a time online that works for you. Prefer to learn more first? See how Mike can help.
A 30-minute introductory call, no pressure, no obligation. We'll talk through your goals and whether working together makes sense.
