Peter Lazaroff Blog

"BrightPlan has digitized Plancorp’s financial planning and investment approach. Now everyone can access personalized advice to help get their financial house in order."

Peter Lazaroff, Co-Chief Investment Officer, BrightPlan and Plancorp

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Our advanced software creates a financial plan tailored to your goals. Every goal gets its own risk profile, timeline, portfolio and investment account.

How it works

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    Sign Up

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    Complete Your Financial Profile

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    Receive daily financial account analysis and monthly goal progress reports to help keep you on track. We'll even show you how small changes can affect your net worth over time.

Automation for peace of mind

Once you’ve set up your business goal, stay on track by automating investing through BrightPlan. When you open a BrightPlan Investment Account, we’ll automate the essentials:

  • Automatic deposits
  • Asset allocation
  • Tax loss harvesting
  • Dividend reinvestment

BrightPlan uses low-cost Vanguard1 and Dimensional2 funds that consistently outperform their benchmark.

Learn more about how we invest
Automation for peace of mind

Chat with a professional

Meet with a Financial Advisor from Plancorp for advice on things like:

  • Optimizing retirement savings inside and outside of your 401(k)
  • Exercising stock options and equity incentives (ESPP and RSU's)
  • Prioritizing saving for a downpayment, children's education, and other life events


*Open a BrightPlan Investment Account for access to a Financial Advisor annualy or on a life event.

Keeping your data secure

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  • Partnering with the best

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

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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.

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.

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We're always looking out for you, not for kickbacks or hidden fees. Certification by the Centre for Fiduciary Excellence (CEFEX) means we adhere to the highest standards to act in your best interests.

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FURTHER READING

[1] Vanguard Statistic: For the 10-year period ended December 31, 2017, 9 of 9 Vanguard money market funds, 51 of 55 Vanguard bond funds, 21 of 22 Vanguard balanced funds, and 101 of 108 Vanguard stock funds—for a total of 182 of 194 Vanguard funds —outperformed their Lipper peer-group average. Results will vary for other time periods. Only mutual funds with a minimum 10-year history were included in the comparison. The competitive performance data shown represent past performance, which is not a guarantee of future results.

[2] Dimensional Statistic: Performance data shown represents past performance and is no guarantee of future results. Beginning sample includes funds as of January 1, 2002. The number of beginners is: Industry - 3,545 and Dimensional - 29. Outperformers (winners) are funds with return observations for every month of the 15-year period whose cumulative net return over the period exceeded that of their respective benchmark. US-domiciled open-end mutual fund data is from Morningstar and Center for Research in Security Prices (CRSP) from the University of Chicago. Performance of each fund in the industry sample are evaluated relative to the fund’s Morningstar Category Index. Dimensional fund data provided by the fund accountant. Dimensional funds exclude VA funds and those distributed exclusively through Loring Ward. Performance of Dimensional funds measured against prospectus benchmarks. When evaluating the Dimensional funds relative to the fund’s Morningstar category index, 79% outperform. For further methodology details, see DFA’s Mutual Fund Landscape brochure.

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