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Pricing

BrightPlan® offers affordable, fee-only financial advice. As the first digital advisor certified for fiduciary excellence, we're always looking out for you, not for sales commissions, kickbacks or hidden fees.

Live creatively, let BrightPlan color neatly between the lines.

Plan first, then invest

$20

per month

(cancel anytime)

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 your first $50,000 invested.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

Product Features

PLAN

PLAN + Invest

Create short and long-term financial goals

Unique investment strategy for each of your goals

Specific savings advice to keep you on track

1,000 simulated goal outcomes based on your personal inputs and various market conditions

Link external accounts from 10,000+ financial institutions to track goal progress

Consolidated view of your entire investment portfolio

Net worth and cash flow monitoring

Actionable progress reporting

Consult with a Certified Financial Planner Professional from Plancorp

Automatically invest deposits according to your goal’s investment plan

Regular rebalancing to keep your risk in check

Smart dividend reinvestment

Tax mitigation strategies

Low-cost funds from Dimensional Funds Advisors and Vanguard¹

Accounts safeguarded at TD Ameritrade Institutional²

Need Help

Frequently asked questions

Goal-based financial planning costs $20 per month, the first month is free.

If you choose to invest with BrightPlan, there is a $500 minimum investment per account.

 

 
Only those who have fulfilled CFP Board's rigorous requirements can call themselves a CFP® professional.
 

CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest.
 
 
What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can call themselves a CFP® professional.
 
 

You can discuss your financial plan in depth with one of Plancorp's Certified Financial Planner professionals after opening a BrightPlan Investment Account to fund one of your goals. 

 

The minimum investment required to open a BrightPlan Investment Account is $500, and there is no additional fee to speak with one of these licensed advisors.

 

In your annual meeting you can ask follow up questions on your financial plan in BrightPlan, and cover many important subjects including:

 

  • Investing for each of your goals, including what types of taxable or tax-deferred investment accounts to open
  • Paying off debt
  • Maximizing cash flow to fund your goals
  • Prioritizing different accounts for retirement savings including 401ks, IRAs, and taxable accounts
  • Preparing for an upcoming life event, like buying a home, having a child, getting married, or navigating divorce
  • Setting up an emergency fund
  • Handling illiquid investments in your financial plan like stock options or home equity

The $20 planning fee is billed monthly by credit card, whether you’re using the planning service or the planning and investing service.

There is no management fee on your first $50,000 invested. Billing for the 0.50% annual fee above $50,000 invested is calculated at the end of each month, and deducted directly from your BrightPlan Managed Investment account at TD Ameritrade.

 

BrightPlan has selected a 3rd party custodian, TD Ameritrade Institutional, to safeguard client accounts.

 

The role of a custodian is to safeguard client assets, process and settle trades, and compile and deliver client account statements.

 

TD is an industry leading custodian, safeguarding client assets for more than 6,000 registered investment advisors.

 

There are no additional fees for Planning clients.

Planning and Investing clients pay an annual asset based fee of 0.08% ($8 per year for every $10,000 invested) to TD Ameritrade, the account custodian, to cover the costs of maintaining the account including unlimited trading, electronic statement delivery, and asset protection.

The funds in BrightPlan model portfolios include expense ratios as defined in the prospectuses provided by the fund providers.

BrightPlan does not share in these fees, and we work to maximize the value you receive for every dollar you pay for these services.