A Message from the Co-Founders of mFORCE Capital

Hello and welcome,

We’re Brad Bruce and Larry Milton, proud co-founders of mFORCE Capital and friends for over 36 years. Together, we’ve built a firm grounded in trust, dedicated to solving problems, and focused on creating opportunities for high net worth and ultra-high net worth families. Our mission is to help you make your wealth work harder, not just for today, but for the generations to come.

‍Brad’s Perspective

‍In June 2021, I founded mFORCE Capital with a vision to create an independent wealth management firm that puts clients first. For years, I’ve worked with affluent families, business owners, and corporate executives, helping them navigate life’s big questions: What does the future hold? How can we secure a legacy? My goal was to build a firm that delivers tailored strategies to protect and grow wealth while planning for the moments that matter most.

‍Larry’s Perspective

‍I’m Larry Milton, and after a 38-year career in corporate America, I’ve joined forces with Brad to take mFORCE Capital to new heights. My career has been about listening to clients, solving complex challenges, and delivering solutions that make a real impact. Partnering with Brad feels like a natural next step—a chance to focus on what matters: helping high net worth families plan for their future with clarity and confidence.

‍Our Shared Commitment

‍At mFORCE Capital, we specialize in serving high net worth and ultra-high net worth families, crafting strategies that preserve and grow wealth while preparing the next generation for success. We don’t just manage assets; we connect with you at life’s milestones—building a business, retirement, educating children and grandchildren, creating a legacy—and design plans to fulfill your vision for the future with tailor-made strategies.  

‍Building for Tomorrow

‍What brought us together? A shared passion for scaling an independent practice that prioritizes clients and employees alike. We’re not just focused on today’s success; we’re building a firm that grows with you, ready to adapt to the opportunities and challenges of tomorrow. Our brand, “Where Wealth Works Harder,” reflects our commitment to making your wealth a powerful tool for achieving your dreams and securing your family’s future.

We’re excited about our next generation of advisors, who share our dedication to meeting clients where they are and guiding them toward where they want to be. They are an integral part of maintaining the high level of service the mForce clients have come to expect.  

Let’s sit down and talk about how we can make your wealth work harder for you and the generations to follow.

With gratitude,

Brad Bruce and Larry Milton

Bradley Bruce,
Founder, CEO

Barron’s Top 1,200 Financial Advisors (2014 – 2021; 2023), created by Barron’s Magazine. Last presented in 2024 based on data gathered from Oct 2022 to Sep 2023. No fee was paid to be included in the ranking or to hold out marketing materials. Not indicative of advisor’s future performance. Your experience may vary.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., a SEC Registered Investment Adviser. mFORCE Capital is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

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Dec 3, 2025

2025 Year-End Tax Strategies: Navigating the OBBBA and the Path to 2026

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Authored By:
Authored By:

Matt Magee

Director of Financial Planning and Senior Wealth Advisor
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2025 Year-End Tax Strategies: Navigating the OBBBA and the Path to 2026

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The One Big Beautiful Bill Act (OBBBA) of 2025 stabilizes key tax cuts, averting the feared 2026 cliff for business owners, executives, and HNW retirees. However, immediate action is required before December 31, 2025, to navigate critical new rules and temporary deductions.

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Critical Year-End 2025 Action Items

For high-income earners, 2025 is the final window to maximize certain deductions before key OBBBA changes take effect in 2026.

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1.Accelerate Charitable Giving (Avoid the Floor)

The OBBBA imposes a 0.5% Adjusted Gross Income (AGI) floor on itemized charitable deductions starting January 1, 2026 [Source 1]. This means taxpayers can only deduct contributions that exceed 0.5% of their AGI.

Action: Accelerate planned multi-year donations into 2025, using a Donor-Advised Fund (DAF) to secure the full deduction while maintaining control over future grant timing.

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2.Optimize Pass-Through and Depreciation

The OBBBA permanently extends the 20% Qualified Business Income (QBI) deduction and reinstates 100% Bonus Depreciation retroactive to qualified property placed in service after January 19, 2025 [Source 2].

  • Action: Place all major qualified capital expenditures (equipment, software) in service before year-end to claim the full deduction immediately. Review your Qualified Small Business Stock (QSBS) holdings, as the OBBBA also expanded exclusion thresholds.
  • We recommend consulting with     your CPA before doing anything here.

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3. Review Income Timing & Retirement Shifts

The highest marginal individual tax rate remains at 37% for 2026. For those in a tax-neutral year (e.g., recently retired HNW) or those expecting income volatility:

  • Action: Consider strategic Roth IRA Conversions. Paying the tax now, while you are potentially in a lower bracket, locks in decades of tax-free growth and tax-free     distributions in retirement.

 

Planning for the 2026 Landscape

The OBBBA anchors long-term planning with certainty in core areas, while introducing new planning levers.

  • Individual Rates: The permanent 10%-37% marginal rates mean your focus should shift to maximizing deductions within stabilized brackets.
  • Estate & Gift Exemption: With the high exemption ($15M per person, indexed) now permanent [Source 3], estate planning shifts from urgent, reactive gifting to deliberate, long-term wealth transfer strategies.
  • SALT Deduction: This is temporarily increased to $40,000 for Married Filing Jointly (MFJ) with income phaseouts [Source 4]. High-tax state residents should continue utilizing Pass-Through Entity Tax (PTET) workarounds for unlimited state-level deductions.
  • Senior Deduction: A new $6,000 "Bonus Deduction" per person (65+) is available for all taxpayers [Source 5]. Be sure to evaluate the impact on income phaseouts for other benefits (e.g., Medicare premiums) and your total deductible amount.

The permanent stability in tax rates and the Estate and Gift Exemption allows for more deliberate, long-term wealth transfer strategies. However, the introduction of income phaseouts for new deductions, combined with the new complexity in charitable giving, means that the effective tax rate for high-income households remains highly dependent on precision planning.

 

Sources

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Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., a SEC Registered Investment Advisor. mFORCE Capital is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

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