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HOW IT WORKS

A new type of digital financial advisor

BrightPlan is a new type of digital financial advisor. You define your goals and dreams, and we’ll give you the analysis and strategy to help you achieve them.

 
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Live well in the now while planning well for the future.

All your goals matter, big and small. BrightPlan provides the tools to make sure they're achievable:

Sophisticated goal planners
Specific savings advice
Tailored investment plans
Market simulations

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Track progress all the way to the finish line

You've got big plans, and we'll help you stay on top of them. Our software uses statistical analysis to track your probability of success, and provides ongoing advice as your priorities shift and the market moves.

We’ll provide several suggestions to keep your goals on track, like tweaking the target date, linking accounts, or adjusting contributions.

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Put your plan on autopilot

We design an investment strategy for each goal based on your time frame, income needs, and risk tolerance. Apply the mix of stocks and bonds we recommend to your existing investments (e.g. your 401k), or open a BrightPlan Investment Account and we'll automate the essentials:

Automatic Deposits
Asset Allocation
Rebalancing
Dividend Reinvestment

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All your accounts in one place

BrightPlan streamlines your financial life. Manually input external account balances, or track them automatically by linking bank, investment, credit card, and loan accounts from over 10,000 financial institutions to get powerful insights on your financial situation.

Net Worth
Cash Flow
Investment Holdings
Transaction Monitoring

We Don't Touch Your Money

Opened at TD Ameritrade | Managed by BrightPlan | Owned by You

BrightPlan Investment Accounts are opened at TD Ameritrade Institutional, a third-party custodian safeguarding more than $1.1 Trillion of assets. Through TD Ameritrade, cash and securities in BrightPlan Investment Accounts are each protected by $500,000 of insurance.

TD Ameritrade SIPC FDIC

How is BrightPlan different?

1

Plan first, then invest

BrightPlan moves beyond the narrow thinking of a “net worth target” to create a unique strategy for each of your goals. Every goal gets its own risk profile, timeline, portfolio and investment account.

2

Invest with us (or don't)

You aren't required to invest a dime with BrightPlan. Start with a financial plan and only invest with us when you’re impressed with us. Until then, track your money with ease by linking bank, investment, credit card, and loan accounts to your plan. We support over 15,000 financial institutions.

3

Time-tested advice

Our approach and algorithms were developed with our sister company Plancorp, an award-winning Registered Investment Advisor with over 30 years of experience and $4 billion under management.

4

Speak to real people

Your plan grows with you. Qualified clients can speak with a Plancorp Certified Financial Planner® about their plan and ask questions about life events like getting married, buying a home, or having a child.

5

Always on your side

The first digital advisor certified by the Centre for Fiduciary Excellence (CEFEX). We're constantly looking out for you, not for sales commissions, kickbacks or hidden fees.

6

Exclusive investments

BrightPlan is part of a small group of Registered Investment Advisers (RIAs) offering evidence-based, low-cost funds from Dimensional Funds Advisors. Most RIA’s only work with clients who have a fortune to invest, BrightPlan works with everyone.

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Persona Form

Uncover your life goals.

Two ways to achieve your dreams

Plan

Goal-based financial planning

Full access to our sophisticated financial planning tools

  • $20 monthly planning fee (30 day free trial)
  • No investment required to get started

Plan + Invest

Goal-based financial planning 
+ automated investing

Only invest with us when you're impressed with us

  • $20 monthly planning fee (30 day free trial)
  • Zero management fee on your first $50,000 invested
  • 0.5% annual management fee on balances over $50,000