Advisory Services
Seven areas of work, handled by one advisor, for one household at a time. They are listed separately because they are searched separately, not because they are planned separately.
What services does KBR Financial Solutions provide?
KBR Financial Solutions provides retirement income planning, investment management, Social Security claiming strategy, 401(k) and IRA rollover analysis, estate and legacy coordination, Medicaid and long-term care planning, and late-stage college planning. All of it is delivered by Bernie Ross from one office in Londonderry, New Hampshire, for pre-retirees and retirees across southern New Hampshire and neighboring Massachusetts. As a fee-only registered investment adviser, KBR is held to a fiduciary standard at all times.
Everything the passage requires, under one roof.
You should not need one firm for the portfolio, another for the Social Security question and a third for the estate documents. These pieces move together, so they are planned together.
Retirement Income Planning
A written schedule of where each year's income comes from, in what order accounts are drawn down, and what the tax bill looks like along the way.
Retirement income planningInvestment Management
Portfolios built against the income schedule rather than against a benchmark, with assets held at independent third-party custodians.
Investment managementSocial Security Planning
Claiming timing modeled across both spouses, including spousal and survivor benefits and the tax treatment of the benefit itself.
Social Security strategy401(k) and IRA Rollovers
A side-by-side look at staying in the plan, rolling to an IRA, or leaving it where it is, with the costs and trade-offs of each written down.
401(k) and IRA rolloversEstate and Legacy Planning
Beneficiary designations, titling and account structure coordinated with your attorney so the documents and the accounts actually agree.
Estate and legacy planningMedicaid and Long-Term Care Planning
What a care event would do to the income plan, and which of the available funding approaches fit your situation and your timeline.
Long-term care planningLate-Stage College Planning
Financial aid positioning and funding strategy for families with a student already in high school, sequenced against the retirement plan.
College planningSeven services, one plan.
Listing services separately is a convention of websites, not of planning. In practice each decision moves the others.
When you claim Social Security changes how much has to come out of the portfolio in the years before it starts, which changes the drawdown order, which changes your taxable income, which changes what a Roth conversion costs and whether a Medicare surcharge applies.
Where a rollover lands changes what the required minimum distributions look like a decade later. How an account is titled changes both what your heirs receive and how a college aid formula reads your household. A long-term care event changes every one of those numbers at once.
None of that is unusual. It is simply what happens when one balance sheet has to serve several jobs at the same time. The reason the work is organised around a single advisor is that the coordination is the difficult part, not any individual recommendation.
That also sets a natural limit on the practice. Doing this properly caps how many households it can hold, which is why the work stays concentrated on people within roughly sixty minutes of the Londonderry office.
What brings people in first.
Most households arrive with one pressing question. It is usually connected to three others.
| The question that brings you in | What it usually connects to |
|---|---|
| I am retiring in a few years and do not know what my money actually pays me | Retirement income planning, Social Security timing, rollover decisions |
| I just left an employer and have a 401(k) sitting there | Rollover analysis, investment management, tax path |
| When should we claim Social Security? | Claiming strategy, withdrawal sequencing, survivor planning |
| My parent needed care and it was chaos, and I do not want to repeat it | Long-term care planning, estate coordination, income plan stress-testing |
| Our oldest is a junior and college is about to hit | College planning, cash flow, retirement sequencing |
| We have accounts in five places and no idea if it is a plan | Consolidation review, investment management, whole-picture planning |
Questions about working together.
What does it cost to work with KBR Financial Solutions?
KBR is fee-only. Investment advisory services are billed as a fee and planning work can be billed as a fixed or hourly fee depending on scope. The firm receives no commissions, trails, revenue sharing or third-party compensation from any product sponsor. The current fee schedule and every conflict of interest are set out in the KBR brochure, which is linked in the disclosures at the bottom of every page.
Do I have to use every service?
No. Some households come for one decision, such as a rollover or a claiming question, and stop there. Others engage on the whole picture. What does not work well is asking for a recommendation on one piece while withholding the others, because the answer usually depends on them.
Who holds my money?
Assets are held at independent third-party custodians. KBR does not take custody of client funds or securities, which means the statements come from the custodian rather than from the advisor. That separation is a basic protection and worth confirming with any firm you speak to.
Is there a minimum to become a client?
The better question is fit. The work is built for households approaching or already in retirement who want one advisor coordinating income, tax, investment and estate decisions together. The first conversation is where both sides find out whether that is what you are looking for.
How often will we meet?
That is set at the start and written into the plan rather than left informal. Most households meet on a scheduled cadence with the portfolio reviewed against the plan, plus contact whenever something changes: a job ending, a death, a care event, a tax law change or a family shift.
Where to go next.
Start with the chart, not the product.
The first meeting costs nothing and commits you to nothing. Bring your last tax return and your Social Security statement.
