Privacy Policy
Effective date: April 27, 2026
Birch Bay Financial Planning LLC (“BBFP”) recognizes that our relationships with current and prospective clients are based on integrity and trust. We work hard to maintain your privacy and to preserve the private nature of our relationship with you. We place the highest value on the information you share with us. We want our clients to understand what information we collect, how we use it, and how we protect your personal information.
Why We Collect Your Information
We gather information about you so that we can help design and implement the investment and financial planning-related services we provide you, and comply with the federal and state laws and regulations that govern us.
What Information We Collect and Maintain
We may collect the following types of nonpublic personal information about you: information from our initial meeting or subsequent consultations about your identity, such as your name, contact information, Social Security number, date of birth, and financial information; information that we generate to service your financial needs; and information that we may receive from third parties in connection with the services we provide you.
What Information We Disclose
We are permitted by law to disclose nonpublic personal information about you to unaffiliated third parties in certain circumstances. BBFP may disclose clients’ nonpublic personal information to individuals or entities not affiliated with BBFP, including third parties that assist in the supervision or management of your accounts; to service providers contracted by us in furtherance of your engagement with BBFP; to your authorized representative or power of attorney; when we receive your prior consent; in connection with a proposed or actual sale, merger, or transfer of all or a portion of our business; and as otherwise permitted under applicable federal or state privacy regulations.
We will not sell your personal information. No contact information, including phone numbers and email addresses, will be shared with third parties or affiliates for marketing or promotional purposes. If BBFP changes its client privacy policy in a way that would allow disclosure of nonpublic personal information not covered under applicable law, BBFP will allow its clients the opportunity to opt out of such disclosure.
How We Protect Your Personal Information
We restrict and limit access to client information only to those who need to carry out their business functions. We safeguard client information by preventing its unauthorized access, disclosure, or use. We maintain physical, electronic, and procedural safeguards to protect your confidential personal information. Arrangements with companies or independent contractors not affiliated with BBFP are subject to confidentiality agreements.
Former Clients
Even if we cease to provide you with financial services, our Privacy Policy will continue to apply to you, and we will continue to treat your nonpublic personal information with strict confidentiality. We maintain all records regarding former clients for the retention period required by law.
Clients are encouraged to discuss any questions regarding privacy policies and procedures directly with McCarroll Zevenbergen, Chief Compliance Officer of BBFP. Please contact McCarroll Zevenbergen at (563) 505-5521.
Disclosures
Birch Bay Financial Planning LLC is a Registered Investment Adviser in the state of Illinois. The information on this site is not intended as tax, accounting, or legal advice, nor is it an offer or solicitation to buy or sell, or as an endorsement of any company, security, fund, or other offering. Information provided should not be solely relied upon for decision making.
Please consult your legal, tax, or accounting professional regarding your specific situation. Investments involve risk and have the potential for complete loss. It should not be assumed that any recommendations made will necessarily be profitable.
The information on this site is provided “AS IS” and without warranties, either express or implied, and the information may not be free from error. Your use of the information provided is at your sole risk. Under no circumstances shall Birch Bay Financial Planning LLC be liable for any direct, indirect, special, or consequential damages that result from the use of, or the inability to use, the information provided on this site, even if Birch Bay Financial Planning LLC or a Birch Bay Financial Planning LLC authorized representative has been advised of the possibility of such damages.