HOW IT WORKS

Build your plan one goal at a time

Your life looks like no other. You need a financial plan to match, customized and transparent with advice that's always in your best interests.


Visualize your dreams, create your goals, and we'll give you the 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 Managed 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

Peace of Mind

Your security is our priority. BrightPlan is built on Salesforce, with SSL Encryption to protect your data. Financial account linking is enabled through Yodlee, the trusted account aggregator, powering personalized apps and services for over 21 million active users. Simply and securely open investment accounts with Docusign.

Salesforce Docusign Envestnet

How is BrightPlan different?

1

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.

2

Tested advice

Our approach, advice, and algorithms were developed with the team at Plancorp: a leading wealth management firm with 34 years of experience helping clients reach their goals.

3

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.

4

Third-party custody

BrightPlan Managed Investment Accounts are safeguarded at TD Ameritrade Institutional, a third-party custodian overseeing more than $1.1 Trillion of investors' assets.

5

Hybrid approach

Choose between a digital-only or hybrid approach to investing. If you need more custom financial planning, Plancorp’s team of experienced advisors stands ready to help.

6

Disciplined strategy

Our investment philosophy is anchored in academic research, not short-term stock picking or speculation.

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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
Persona Form

Uncover your life goals.