Frequently Asked Questions

 BrightPlan is the only financial wellness platform certified for fiduciary advice, integrating employer benefits, personal finances, and AI-powered coaching in one seamless experience.

Total Financial Wellness is BrightPlan’s holistic approach that brings together budgeting, saving, investing, planning, and benefits navigation to support employees at every financial stage.

 BrightPlan is available to employees whose employers offer it, and many organizations extend access to dependents and family members.

 Yes. BrightPlan works across desktop and mobile devices so employees can manage their finances anywhere.

Yes. BrightPlan includes guided onboarding, in-app education, and resources to help teams get started quickly.

 Yes. The platform is designed to support organizations of all sizes, from fast-growing companies to global enterprises.

 Organizations across tech, finance, healthcare, education, and many other industries use BrightPlan to support employee well-being.

 Employers can contact BrightPlan or request a demo to learn more about implementation, pricing, and launch timelines.

 Yes. BrightPlan uses SOC 2 Type 2 controls, bank-level encryption, and strict security protocols to protect data.

Yes. As a Registered Investment Advisor, BrightPlan is legally obligated to act in the best interest of employees.

Yes. BrightPlan follows rigorous regulatory and data privacy standards to keep employer and employee information secure.

BrightPlan provides tools for budgeting, saving, planning, and goal setting, along with personalized insights to help employees improve their financial health.

Yes. BrightPlan includes retirement readiness tracking, integration with employer benefits, and tools to help employees plan for on-time retirement.

Yes. With personalized planning and progress tracking, BrightPlan helps employees stay on track toward an on-time retirement.

Yes. The platform encourages consistent saving and provides guidance for building and maintaining an emergency fund.

Yes. BrightPlan offers strategies to prioritize debt payoff, compare repayment methods, and understand long-term implications.

Can BrightPlan help with student loan management? Yes. Employees can explore repayment options, refinancing strategies, and long-term planning related to student debt.

Does BrightPlan include investment guidance? Yes. BrightPlan offers education and tools to help employees understand investing, assess risk, and build long-term strategies.

Does BrightPlan offer financial education? Yes. Employees have access to curated content, step-by-step guides, and learning tools for every financial life stage.

BrightPlan supports budgeting, saving, investing, financial literacy, retirement planning, and benefit navigation.

The platform evaluates financial wellness through goal progress, behavior patterns, and engagement data.

Can BrightPlan help employees navigate financial crises? Yes. BrightPlan provides guidance and resources for managing emergencies, market volatility, or unexpected expenses.

BrightPlan includes tools and resources for milestones such as marriage, childbirth, homebuying, caregiving, or loss.

Does BrightPlan integrate with existing benefits and employer programs? Yes. BrightPlan integrates with 401(k)s, HSAs, equity compensation, insurance benefits, and more.

Can BrightPlan support hybrid and remote employees? Yes. As a fully digital solution, BrightPlan provides equitable access to financial wellness anytime, anywhere.

BrightPlan’s AI Coach is a 24/7 digital assistant that offers personalized, real-time financial guidance tailored to each user’s goals and financial profile.

Yes. Employees can connect with Certified Financial Planners® for more complex or personalized financial advice.

BrightPlan provides personalized recommendations and simplified explanations to help employees make informed benefits selections.

How does BrightPlan improve benefit utilization? By integrating benefits into employees’ personalized financial plans, BrightPlan helps them better understand and use available resources.

How does BrightPlan support HR teams? BrightPlan helps HR drive engagement, support employees at scale, and showcase the impact of financial wellness programs.

Yes. BrightPlan’s tools help close wealth gaps and ensure equitable access to financial knowledge and resources.

How can BrightPlan improve employee retention? Financially confident employees experience less stress, greater satisfaction, and stronger engagement — all of which support retention.

Yes. Employers receive insights into workforce financial wellness, usage trends, and areas of need.

Yes. BrightPlan offers dashboards and customizable reports to track financial wellness and program effectiveness.

What outcomes can employers expect from BrightPlan? Companies commonly see reduced financial stress, improved engagement, stronger productivity, and higher benefits ROI.

Organizations using BrightPlan report lower absenteeism, stronger retention, and increased benefits satisfaction, driving measurable ROI.