BRIA Capital Group - Mike Garcia, AAMS is a Wesley Chapel based practice focused on helping families and small-business owners bring clarity and confidence to their financial lives. With over two decades as an entrepreneur in the hospitality worldbuilding and operating restaurants, hair salons, and a catering company across California and Louisiana Mike offers an owners-eye view that sets his guidance apart. He has lived payroll weeks, expansion decisions, lease negotiations, and cash-flow crunches. That real-world experience informs every conversation, turning complex choices into plain-English strategies that make sense for daily life and long-term goals.
Rooted in financial planning Wesley Chapel residents can relate to, the practice coordinates five core areas under one cohesive plan: Investment Planning, Retirement Planning, Estate Planning, Business Planning, and Risk Management. Rather than treating each element in isolation, Mike looks at how they interact. An investment choice may affect retirement income; a business exit can influence estate intentions; risk decisions can safeguard both personal and company assets. By examining the ripple effects across the entire picture, clients receive a plan designed to work in real life not just on paper.
Examples often begin with what matters most. A growing family might start with college savings and protection strategies, then move to retirement income planning that accounts for market cycles and healthcare needs. A salon owner in Tampa Bay may want to expand to a second location; the conversation might cover cash-flow planning, funding options, key person coverage, and a transition plan that protects the enterprises value. For a couple nearing retirement, the focus could shift to income distribution, Social Security timing, tax-aware withdrawal strategies coordinated with a CPA, and legacy planning that reflects their values.
Relationship continuity is central to the experience. Clients meet regularly to review progress, refine goals, and adjust the roadmap as life changes new careers, a business sale, a move, or the arrival of a grandchild. The aim is consistent guidance and a clear plan that evolves alongside each clients journey.
Mike holds the Accredited Asset Management Specialist (AAMS) designation, along with FINRA Series 7 and Series 66 registrations and Health, Life, and Variable Annuity licensing. When serving in an advisory capacity, he acts as a fiduciary, placing clients best interests at the forefront. He typically partners with families and small-business owners with $250k+ in investable assets, meeting in person throughout the Tampa Bay area and supporting clients across Florida and several other states virtually for convenience and continuity.
Community involvement runs deep. Mike serves as Vice President of the Wesley Chapel Pure Success BNI Chapter and is an active member of the Rotary Club, reflecting a belief that strong financial plans and strong communities go hand in hand.
Discover a planning relationship shaped by real-world ownership experience and steady, down-to-earth advice. Learn more at https://mike.briacg.com/ or call (720) 839-7574 to start a conversation about building, protecting, and transitioning wealth with a strategy designed around what matters most.