BRIA Capital Group - Mike Garcia, AAMS®

BRIA Capital Group - Mike Garcia, AAMS® is an SEC-registered investment adviser offering financial planning services in Wesley Chapel and Tampa Bay. The firm specializes in coordinating investments, retirement, estate, business, and risk management into one plan. Clients can book a free 30-minute introductory call to discuss their goals and determine if working together is a good fit.

The office is located at Suite 102, 2044 Ashley Oaks Circle in Wesley Chapel, Florida. Clients can meet in person at this local Wesley Chapel office or connect via phone or video for their consultations. The firm serves families and business owners throughout the Tampa Bay area.

Mike Garcia, AAMS® holds the Accredited Asset Management Specialist designation, which focuses on the full picture of a household's assets rather than just one product. He is also Series 7 and Series 66 licensed, and carries a 2-15 insurance license covering health, life, and variable annuity products. These credentials are verified through FINRA BrokerCheck and SEC adviser records.

The firm offers five core planning areas: Investment Planning, Retirement Planning, Estate Planning, Business Planning, and Risk Management. Each area is designed to address specific needs, from diversified portfolios built around goals to buy-sell agreements for business owners. All services are coordinated under a single plan to ensure consistency across financial decisions.

Clients can start by booking a free 30-minute introductory call with no obligation or sales pitch. The process involves organizing accounts, clarifying timelines, and outlining what matters most, such as retirement income needs or business growth. This initial conversation is designed to help clients understand the planning process before committing.

The firm emphasizes a plain-English, no-pressure planning approach where every recommendation is explained in language clients can act on. The first call is described as a conversation rather than a sales pitch, ensuring clients feel comfortable during the process. This method aims to make complex financial decisions accessible and understandable.

Mike Garcia spent over 20 years owning and operating small businesses before entering financial services. His experience includes running restaurant concepts, hair salons, and a catering company, which informs his understanding of business owners' needs. This background allows him to speak the same language as business owners regarding succession and operational risks.

The firm highlights that Florida does not tax Social Security, but federal taxes still apply depending on combined income. They also note that a Roth conversion in the same year can raise Medicare IRMAA. These tax considerations are part of the broader financial planning strategy discussed with clients.

The firm has been operating since 2018, when Mike Garcia and his wife Jessica moved their family from Colorado to Florida. Before joining BRIA Capital Group, he worked with Raymond James, New York Life, and OneAmerica Securities. The firm is now based in Wesley Chapel with a local office presence.

The firm states that it is part of BRIA Capital Group, which provides securities and advisory services. This structure allows Mike Garcia to operate as an independent advisor with real firm support behind him. Clients benefit from having a local office while accessing the resources of a larger registered adviser.

The firm's website and profile mention that the first steps usually include organizing accounts and clarifying timelines. They also emphasize that portfolios are mapped to targets through investment management that considers diversification, costs, and rebalancing needs over time. This process is tailored to connect daily choices with long-term outcomes.

You can reach BRIA Capital Group - Mike Garcia, AAMS® by phone at (720) 839-7574.

The official website of BRIA Capital Group - Mike Garcia, AAMS® is mike.briacg.com.

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