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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Jan 14, 2026

Wealth Architecture: Why Investing is the Tail, Not the Dog

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Authored By:
Authored By:

Matt Magee

Director of Financial Planning and Senior Wealth Advisor
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Wealth Architecture: Why Investing is the Tail, Not the Dog

In the world of HNW & UHNW wealth management, there is a common category error: treating "investing" and "financial planning" as synonyms. They are not. If you are focused solely on your portfolio's alpha, you are likely ignoring the massive "leakage" occurring in taxes, estate structural flaws, and misaligned cash flows.

What is the Difference Between Investing and Financial Planning?

  • Investing is the process of acquiring assets with the expectation of generating a return. It is a component.
  • Financial  Planning is the comprehensive orchestration of your entire balance sheet to ensure your capital meets your specific life objectives. It is the system.

The 6 Pillars of Comprehensive Wealth Management

A high-performing portfolio is useless if it is liquidated to pay an avoidable tax bill or lost in a poorly structured estate transition. A true financial plan coordinates these moving parts:

  1. Tax Alpha: For HNW individuals, what you keep is more important than what you earn. This includes location optimization, tax-loss harvesting, and structured giving.
  2. Liability & Risk Management: Protecting the fort. This involves specialized insurance, asset protection entities (LLCs/Trusts), and coordination of one’s insurance needs.
  3. The "Traction" Cash Flow System: Just as you use EOS to manage your business's bottom line, your personal "operating system" must dictate how much is reinvested, how much is spent, and how much is reserved for liquidity.
  4. Estate & Legacy Design: Moving beyond a simple will. This is about the frictionless transfer of both your "human capital" and your financial capital to the next generation or charities.
  5. Retirement & Exit Strategy: For business owners, your business is often your largest asset. Planning focuses on the liquidity event, ensuring the business exit aligns with your personal lifestyle needs.
  6. Investment Allocation: The engine that powers the growth to ensure and maintain your legacy.

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Why Purpose Outperforms Performance

Investing without a plan is like building a high-performance engine without a chassis. You might have the power, but you have no way to steer. When the market turns volatile, an "investment-only" strategy leads to emotional decision-making. A "plan-first" strategy provides the lucidity to stay the course because you know exactly which bucket of capital is for "today" and which is for "ten years from now."

Takeaway: Investing grows your capital. Financial planning protects, directs, and gives that capital a mission.

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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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