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HOW IT WORKS

Plan first, then invest.

You define your goals and dreams, and we’ll give you the analysis and strategy to help you achieve them. We provide actionable advice, then let you twist some knobs and pull some levers to get your goals on track.

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

All your goals matter, big and small. So every goal gets its own risk profile, timeline, portfolio, and investment account.

  • 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, 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. 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. Track all your account balances 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

Keeping your data secure

  • Strict access controls

    No one has access to your account credentials and BrightPlan never saves or stores credentials for your linked financial accounts.

  • Data encryption

    All your data is encrypted at rest and in transit. BrightPlan requires the latest TLS for authentication and encryption.

  • Partnering with the best

    BrightPlan leverages the cloud platforms of industry leaders to keep your data and account information secure.

Learn more about our security measures

Keeping your money safe

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.

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Cash in BrightPlan Investment Accounts is held in a TD Ameritrade FDIC Insured Deposit Account (IDA). Balances in an IDA are held at one or more banks where they are insured by the FDIC against bank failure for up to $250,000 per depositor, per bank. Each bank will have separate FDIC coverage of up to $250,000 per depositor for up to $500,000 total per IDA depositor. TD Ameritrade, Inc. is a member of the Securities Investor Protection Corporation (SIPC). Securities in your account protected up to $500,000, which includes a $250,000 limit for cash. For details, please see www.sipc.org. Learn More

TD Ameritrade and BrightPlan, are separate and unaffiliated firms, and are not responsible for each other’s services or policies. TD Ameritrade does not endorse or recommend any advisor and the use of the TD Ameritrade logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.

How is BrightPlan different?

  • 01

    Plan first, then invest

    Achieving your goals starts with a personalized plan. BrightPlan guides you through creating your financial goals, advises you on each step to take to achieve them, and automates investing in them.

  • 02

    Time-tested advice

    Our financial planning approach was developed with our sister company Plancorp, a Registered Investment Advisor with over 30 years of experience and $4 billion under management.

  • 03

    Speak to real people

    Chat with a Financial Advisor from Plancorp when you open a BrightPlan Investment Account with as little as $500. These advisors work with high net worth individuals daily to help them reach their goals. Now they can be your money mentor too.

  • 04

    Invest in your goals

    BrightPlan recommends a unique investment strategy for each of your goals. Open a BrightPlan Investment Account to access sophisticated, automated investing based on Nobel Prize-winning research. You can also apply our strategy to your existing investments, e.g. your 401(k).

  • 05

    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 kickbacks or hidden fees.

  • 06

    Exclusive investments

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

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