Local to Tampa Bay. Available across Florida.
Based in Wesley Chapel and serving families and business owners across the broader Tampa Bay area in person, with virtual meetings available statewide.
An advisor who knows the ground you live on.
Financial planning isn't just about returns. It's about decisions made in the context of your home, your school district, your business, and your community. Working with an advisor who knows the Tampa Bay area, the property insurance market, the school calendars, the local employers, means fewer generic answers and more decisions that actually fit your life.
Mike Garcia, AAMS®, lives in Wesley Chapel with his wife Jessica and their family, and serves clients across Hillsborough, Pasco, Polk, and Marion counties. Coffee in person, meetings at your office, or full virtual planning if that's easier.
Where we work.
Click through for local context, planning topics, and what we typically see in each market.
Lakeland, FL
Financial planning for Lakeland-area families and business owners.
Lutz, FL
Financial planning for families and small business owners in Lutz, FL.
Ocala, FL
Financial planning for Ocala-area families and pre-retirees.
Tampa, FL
Personalized financial planning for Tampa families and business owners.
Wesley Chapel, FL
Local financial planning for Wesley Chapel families and business owners.
Planning in Florida is different.
A few state-specific factors that change how we build plans across every city we serve.
No state income tax
No tax on Social Security, IRA, or 401(k) distributions at the state level. Changes Roth conversion math and withdrawal sequencing.
Homestead + SOH
Up to $50,000 off assessed value and a 3% annual cap on assessed value increases via Save Our Homes. File in year one of residency.
Hurricane season
June 1 to November 30. Property insurance, flood coverage, umbrella limits, and emergency reserves need an annual review before season opens.
No state estate tax
Florida levies no state estate or inheritance tax. With the $15M federal exemption permanent under OBBBA, most planning focuses on titling and beneficiary alignment.
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.