Edward McBride RICP®

With more than 34 years of experience in financial services, Edward “Ed” McBride helps individuals, families, and business owners build comprehensive financial strategies designed to grow, protect, and transfer wealth efficiently. As an Investment Advisor Representative with Brayshaw Financial Group, Ed specializes in retirement income planning, tax-efficient investment strategies, life insurance planning, and long-term care (LTC) solutions.

Ed holds the Retirement Income Certified Professional (RICP®) designation, an advanced credential focused specifically on creating sustainable retirement income strategies. His work centers on helping clients transition confidently from wealth accumulation to wealth distribution—addressing income sustainability, tax mitigation, Social Security optimization, Medicare planning considerations, and legacy objectives.

Retirement Planning & Income Distribution Strategies

Ed works closely with pre-retirees and retirees to develop customized retirement roadmaps that align investment portfolios with income needs, tax brackets, and long-term goals. His retirement planning process integrates:

• Retirement income modeling and withdrawal strategies

• Tax-efficient portfolio construction

• Roth conversion planning coordination

• Required Minimum Distribution (RMD) strategies

• Risk-managed investment allocation

• Inflation protection planning

• Coordination with CPAs and estate planning attorneys

His disciplined approach focuses on protecting principal while generating reliable income streams designed to support lifestyle goals throughout retirement.

Tax-Efficient Investment Management

Tax efficiency plays a central role in Ed’s investment philosophy. He helps clients reduce unnecessary tax drag by incorporating:

• Strategic asset location

• Capital gains management

• Dividend tax optimization

• Tax-aware rebalancing

• Qualified plan rollovers and IRA strategies

• 1031 exchange coordination (where applicable)

• Charitable giving and donor-advised fund strategies

By aligning portfolio construction with tax planning, Ed helps clients pursue after-tax returns that support long-term wealth preservation.

Life Insurance & Long-Term Care Planning

Ed also provides life insurance and long-term care planning strategies designed to protect families and estates. He works with clients to evaluate:

• Term life insurance

• Whole life insurance

• Indexed universal life (IUL)

• Hybrid long-term care policies

• Asset-based long-term care solutions

• Legacy and estate liquidity planning

These strategies are integrated into the broader financial plan to ensure continuity, risk protection, and multigenerational wealth transfer.

Serving Individuals, Families & Business Owners

Throughout his 34-year career, Ed has helped business owners with succession planning, retirement plan rollovers, and income strategies designed to transition from business income to retirement income. His advisory relationships are built on clarity, consistency, and long-term partnership.

At Brayshaw Financial Group, Ed collaborates with the advisory team to deliver comprehensive financial planning that addresses investments, insurance, tax strategy, retirement income, estate coordination, and wealth transfer planning. Clients benefit from a team-based approach designed to provide strategic depth and continuity.

Community & Personal Commitment

Ed believes financial planning is personal. He is committed to building long-term relationships rooted in trust, education, and transparent communication. His dedication to helping families achieve financial confidence aligns with Brayshaw Financial Group’s mission of delivering disciplined, client-centered wealth management solutions.

Specialties:
Retirement Income Planning | Tax-Efficient Investing | Wealth Management | Rollover Strategies | Roth Conversion Planning | Life Insurance Planning | Long-Term Care Planning | Estate Coordination | Risk-Managed Portfolios | Financial Planning for Business Owners