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The BrightPlan difference

With our fiduciary advice and easy implementation, BrightPlan is the personal finance hub for your employees
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The first digital advisor certified for fiduciary excellence

Not all financial professionals are legally required to work in their clients' best interests. Many sell products; an inherent conflict.

BrightPlan is a Registered Investment Advisor (RIA) and is legally required to act as a fiduciary to clients.

Certification by the Centre for Fiduciary Excellence (CEFEX) verifies that we adhere to the highest standards.

Certified Financial Planning

A human touch

Employees can chat with a Financial Advisor when they enroll in BrightPlan to discuss things like:

  • Optimizing for retirement savings inside and outside of your company 401(k)
  • Stock options and equity incentives (ESPP and RSU's)
  • Tax, estate, and insurance planning

These advisors are from our sister company Plancorp, a CEFEX certified fiduciary. Plancorp has been working with clients for over 35 years and currently manages approximately $4 billion in assets.

A solution that's easy to implement

Addressing the specific financial needs of employees, HR managers and executives in a simple, sophisticated experience.

  • Integrated planning approach with existing employer benefits (401(k), HSA, etc.)

  • Engagement collateral and content provided to employer

  • Automated enrollment, no IT integration required

  • Life plan and investments fully portable with employee at retirement or transition

  • Active, ongoing advice and education for employees

Supporting the HR and Benefits team

  • 01


    BrightPlan will work with you to create needed content. (Co-branded emails, signup page, building posters, digital postcards, Intranet page etc.) Our in-house digital designer creates the content based on your guidelines and approval.

  • 02

    Awareness and adoption

    We will attend employee fairs, conduct webinars for on-boarding and educate employees on specific topics and work with you to assist in driving adoption.

  • 03

    Employee On-boarding

    This is a self serve model where employees enroll with Brightplan from a co-branded landing page based on the invitation email from the HR department. BrightPlan will create this page based on your guidelines and approved messaging.

  • 04

    Assist in company benefit adoption

    An employee will receive advice on fund selection and participation in their 401 (k) and HSA. Employees can link these benefits to their goals (Retirement etc.) to better understand the long term benefits and outcomes in BrightPlan.

Working with leaders in the business

BrightPlan leverages the cloud platforms of industry leaders to keep employee personal data secure

Keeping Data Safe

BrightPlan is built on the Salesforce platform so clients can benefit from Salesforce security measures including: secure data centers, strict employee access controls, and disaster recovery architecture

Keeping Accounts Safe

Envestnet Yodlee

Our partnership with Envestnet | Yodlee provides fast, secure account verification. Tens of millions of customers around the world link accounts through Yodlee, including clients of 13 of the top 20 US Banks

Keeping Money Safe


BrightPlan Managed Investment Accounts are opened at TD Ameritrade. Through TD Ameritrade, cash and securities in BrightPlan Investment accounts are each protected up to $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

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.