— KBR Retirement & Investment Solutions —

Privacy Policy

Effective: May 10, 2021

Our Commitment to You

KBR Retirement & Investment Solutions (“KBR”) is committed to safeguarding the use of your personal information that we have as your Investment Advisor. KBR (referred to as "we", "our" and "us" throughout this notice) protects the security and confidentiality of the personal information we have and make efforts to ensure that such information is used for proper business purposes in connection with the management or servicing of your account. Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything we can to maintain that trust.

We do not sell your non-public personal information to anyone. Nor does KBR provide such information to others except for discrete and proper business purposes in connection with the servicing and management of your account as discussed below.

Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this privacy policy.

The Information We Collect About You

You typically provide personal information when you complete the paperwork required to become our Client. This information may include your:

  • Name and address
  • E-mail address
  • Phone number
  • Social security or taxpayer identification number
  • Assets
  • Income
  • Account balance
  • Investment activity
  • Accounts at other institutions

In addition, we may collect non-public information about you from the following sources:

  • Information we receive on Brokerage Agreements, Managed Account Agreements and other Subscription and Account Opening Documents;
  • Information we receive in the course of establishing a customer relationship including, but not limited to, applications, forms, and questionnaires;
  • Information about your transactions with us or others

Information About You That KBR Shares

KBR works to provide products and services that benefit our customers. We can only share non-public personal information with non-affiliated third parties (such as brokers and custodians) as necessary for us to provide agreed services and products to you consistent with applicable law, and only after receiving specific consent from you to share that information, which is provided in the investment advisory agreement. Your non-public personal information may also be disclosed to you, persons we believe to be your authorized agent or representative, regulators in order to satisfy KBR's regulatory obligations, and as otherwise required or permitted by law.

To repeat, we do not sell your non-public personal information to anyone, and will not share your nonpublic personal information with non-affiliated third parties without your consent.

Information about Former Clients

KBR does not disclose, and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our clients.

Confidentiality and Security

Our employees are advised about the firm's need to respect the confidentiality of our customers' nonpublic personal information. Additionally, we maintain physical, procedural and electronic safeguards in an effort to protect the information from access by unauthorized parties.

We'll Keep You informed

We will send you notice of our privacy policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise our privacy policy, and will provide you with a revised policy if the changes materially alter the previous privacy policy. We will not, however, revise our privacy policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. You may obtain a copy of our current privacy policy by contacting us at 603-216-6341.

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KBR Financial Solutions — Know Your Harbor

Independent, fee-only retirement, college planning and investment planning, delivered under a fiduciary standard, for pre-retirees and retirees across southern New Hampshire and neighboring Massachusetts.

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Office

1B Commons Dr., Unit 13A
Londonderry, NH 03053
Mailing: PO Box 419, East Derry, NH 03041
603.216.6341
bernie@kbr-solutions.com
Bernie Ross, founder of KBR Financial Solutions

Written and reviewed by

Bernie Ross, Founder and Investment Adviser Representative

Every page on this site is written and maintained by Bernie Ross, founder of KBR Retirement & Investment Solutions, LLC, an independent, fee-only registered investment adviser in Londonderry, New Hampshire. Bernie holds the Series 65, has worked in financial services since 1997, and personally builds and services every client plan. About Bernie · SEC adviser record (CRD 2780012)

Site content last reviewed September 2026

Investment Advisory Services offered through KBR Financial Solutions, 1B Commons Dr., Unit 13A, Londonderry, NH 03053, (603) 216-6341

KBR Financial Solutions is a registered investment adviser in the States of New Hampshire and Massachusetts. The adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transactions in securities or the rendering of personalized investment advice for compensation will not be made without registration or exemption.

Check the background of this financial professional at the SEC 's Investment Advisor Public Disclosure website by clicking here.

For a copy of KBR's brochure click here

All complimentary newletters, workbooks, articles, videos and flipbooks are provided for informational purposes only. They are not intended to provide tax or legal advice. By requesting these materials you may be offered information regarding insurance and investment products. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Kyle B. Ross at the shore

In Loving Memory - Kyle B. Ross (KBR)

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