HOW IT WORKS

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. We provide actionable advice, then let you twist some knobs and pull some levers to get your goals on track. Every goal gets its own risk profile, timeline, portfolio and investment account.

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

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.

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

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.

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?

Plan first, then invest

Start with a plan and only invest with us when you’re impressed with us. Until then, track your finances by linking bank, investment, credit card, and loan accounts to your plan. We support 15,000 financial institutions.

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.

Speak to real people

Chat with a Certified Financial Planner^TMProfessional 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.

Invest in your goals

Don't just save for your goals. Invest in them. BrightPlan recommends an investment plan for each of your goals, balancing risk and return to meet your objectives. You can apply our strategy to your existing investments e.g. your 401(k), or automate your plan in a BrightPlan Investment Account.

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.

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.

Plan

Personalized digital financial advice.

A plan for each of your goals reflecting your unique circumstances.
Certified fiduciary advice.
Daily analysis to keep your goals on track.
Portfolio recommendations for all your investment accounts.
Financial dashboard to monitor your net worth, transactions and cash flow for all your accounts.
Automate your plan with a BrightPlan Investment Account (optional).

Invest

Automated investing + advice from a CFP^® professional.

Low minimum investment of $500.
Zero management fee on investment balances under $50,000.¹
Consult with a CERTIFIED FINANCIAL PLANNER^™ professional from our sister company Plancorp.
Unique investment strategy for each of your goals.
Automated investing, portfolio rebalancing, and tax saving strategies.
0.5% annual management fee on the balance above $50,000 in BrightPlan Investment Accounts.¹

¹ All investments are subject to custodial and fund fees. All funds in BrightPlan portfolios have lower average expense ratios than their Morningstar category (as of 12/30/2017).

BrightPlan LLC is an SEC-registered investment adviser that only offers digital investment advice. Plancorp LLC is an affiliated SEC-registered investment adviser. Registration does not imply a certain level of skill or training nor does it imply endorsement by the SEC. All investing involves risk, including the loss of principal. Past performance does not guarantee future results. BrightPlan is a trademark of BrightPlan LLC, registered in the U.S. Patent and Trademark Office.

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© 2017 - 2018 BrightPlan

HOW IT WORKS

A new type of digital financial advisor

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