About Us

BRIA Capital Group - Mike Garcia, AAMS® is built on the belief that clear guidance and genuine relationships can make complex financial choices easier to navigate. As a financial advisor in Wesley Chapel, FL, Mike serves families and business owners across the Tampa Bay area with straightforward advice, attentive service, and strategies tailored to real life. His path to financial planning began as an entrepreneur, owning and operating restaurants, hair salons, and a catering company in California and Louisiana. That hands-on background means he approaches every plan with an owner’s mindset—practical, discerning, and mindful of how every decision affects the whole enterprise and the family behind it.

Clients turn to Mike for a cohesive, long-term plan that connects the dots between what they want today and where they intend to be tomorrow. His comprehensive process integrates five core areas—Investment Planning, Retirement Planning, Estate Planning, Business Planning, and Risk Management—so key choices aren’t made in isolation. For example, a change to an investment allocation may influence retirement income timing; a new business partner may call for updating succession provisions and insurance strategies; and a growing family might prompt a review of beneficiary designations and legacy goals. Mike coordinates these moving parts, helping clients prioritize, implement, and adjust as life evolves.

Investment Planning focuses on constructing portfolios aligned with risk tolerance, time horizon, and objectives. Retirement Planning emphasizes clarity around income sources, distribution strategies, and lifestyle considerations, from early-career accumulation to the transition into retirement and beyond. Estate Planning support centers on organizing accounts, titling, and beneficiary coordination, while working alongside clients’ attorneys and tax professionals to help keep intentions front and center. Business Planning includes guidance on cash flow, capital allocation, benefits evaluation, and continuity planning. Risk Management addresses protecting what matters—reviewing insurance coverage and other risk-mitigation tools to help safeguard both personal and business interests.

Mike holds FINRA Series 7 and Series 66 registrations, along with Health, Life, and Variable Annuity licensing. When serving in an advisory capacity, he acts as a fiduciary, committed to putting clients’ best interests first. He typically partners with families and small-business owners with $250k+ in investable assets, meeting locally across the greater Tampa Bay region and supporting clients throughout Florida and several other states via secure virtual meetings.

Clients appreciate the cadence of ongoing reviews and the clarity of plain-English explanations. Whether mapping out a retirement income plan, evaluating a buy-sell agreement, or aligning a portfolio with a family’s near-term cash needs, Mike builds a living roadmap—one that reflects each client’s goals, adapts as conditions change, and remains grounded in disciplined decision-making. 

For those seeking a financial advisor in Wesley Chapel who brings both technical knowledge and an entrepreneur’s perspective, BRIA Capital Group - Mike Garcia, AAMS® offers a steady hand and a thoughtful process. To learn more or schedule a conversation, visit https://mike.briacg.com/ or call (720) 839-7574. The aim is simple: help clients make confident, well-informed choices—and move forward with purpose.