David OBryan, CPA
Have you planned for your financial finish line?
Retirement is the most important financial transition of your life. We help you navigate tax risk, Social Security, Medicare, and estate planning — so you can retire with confidence.
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About Us
Family Resource Partners
The team behind RetirementCounselor.com — helping individuals, families, and businesses navigate their financial future with confidence.
Family Resource Partners was born out of the need to provide more resources, advice, support, and networks to those people looking for help in areas of financial, tax, retirement, and risk planning. We help educate and implement ideas and strategies to mitigate different types of risk now and in the future for our clients.
We surround ourselves with experts and a knowledge base to create the confidence our clients need to feel financially secure. We believe that helping individuals, families, and businesses is a unique opportunity that can create a lasting positive effect on future generations.
David O'Bryan, CPA
David resides in McCarley, MS with his wife, Lou. He has over 40 years of experience helping employees and clients with their retirement planning. He holds an accounting degree and is a licensed CPA in the State of Mississippi.
David founded Family Resource Partners in August of 2024. He has an extensive business background and his goal is to help individuals, families, and small businesses with their financial, tax, and retirement planning strategies.
In his spare time, he enjoys spending time with family, playing golf, and attending collegiate sporting events. He serves on the board of the local economic development foundation, the local water association board, and is active in his local church.
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Common questions
Retirement planning answers
Straightforward answers to the questions we hear most from pre-retirees and retirees.
When should I start planning for retirement?
The best time to start is as early as possible — ideally in your 40s or 50s. But even if you are within 5 years of retirement, there are meaningful strategies to reduce tax risk, optimize Social Security timing, and build a sustainable income plan. It is never too late to improve your position.
What is tax risk in retirement, and why does it matter?
Tax risk is the danger that taxes will erode your retirement income more than you planned. Required Minimum Distributions, Social Security taxation thresholds, Medicare IRMAA surcharges, and potential tax law changes can all take a bigger bite than expected. Proactive tax risk planning helps you keep more of what you have saved.
When is the best time to claim Social Security?
The optimal claiming age depends on your health, other income sources, spousal benefits, and tax situation. Claiming early at 62 permanently reduces your benefit, while delaying to 70 maximizes your monthly payment. We model different scenarios to find the strategy that puts the most money in your pocket over your lifetime.
Do I need an estate plan if I am not wealthy?
Yes — estate planning is for anyone who wants to protect their family. A basic plan includes a will, beneficiary designations, powers of attorney, and healthcare directives. Without one, state law decides what happens to your assets and who makes decisions for you if you cannot.
What makes Family Resource Partners different?
We are education-first. We do not just tell you what to do — we explain why, so you can make confident decisions. We are also locally rooted in Mississippi, which means we understand the families and communities we serve. We look at your complete financial picture, not just one piece of it.
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Let's talk about your retirement
It is never too early to get started on understanding your personal financial pursuit. Tell us where you are in life and we'll come alongside to help you avoid unnecessary risk to your financial well-being.