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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Nov 19, 2025

Social Security’s Full Retirement Age Rises in 2026: What You Need to Know

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Authored By:
Authored By:

Matt Magee

Director of Financial Planning and Senior Wealth Advisor
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Social Security’s Full Retirement Age Rises in 2026: What You Need to Know

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The full retirement age rises to 67 for everyone born in 1960 or later. This shift affects how much you receive each month and when you unlock your highest Social Security benefit. If you turn 65 soon, these updates guide your next steps.

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Key points to know:

  • The full retirement age moves to 67 for people born in 1960 or later.
  • You can file at 62, but early filing reduces your monthly check for life.
  • You earn a larger monthly check when you wait until 67.
  • Your earnings record and birth year shape your final payment.
  • A small change in your filing age can raise your lifetime income.

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Simple planning steps:

  • Check your birth year and full-retirement-age chart on SSA.gov.
  • Review your earnings record for accuracy.
  • Use Social Security’s calculator to compare ages and payment amounts.
  • Choose a filing age that fits your income needs and long-term plan.

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Reach out to us for a quick review of your options. We help you choose a filing age that protects your income and supports a confident retirement plan.

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A step-by-step PDF that outlines the key financial milestones individuals and families should aim for, including wealth preservation, estate planning, and legacy building.

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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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