Fee Only
Financial Planning
Brighter Days Planning was created as a fee-only advisory firm. This means we stripped ourselves away from the loaded investment products, large commissions, and confusing pricing of the big box firms. Fee-only allows us to offer real fiduciary planning.
Do-it-Yourself Plan
Starting at $2,000 per engagement
The DIY plan is best suited for the professional that wants a one time financial plan that they can take with them and implement on their own. It includes everything that all other plans include except for investment management, ongoing services, monitoring, or business planning.
*Cost will be determined based on complexity, but we do our best to not deviate from pricing on this page.
The Starter Plan
Starting at $149 per month
The starter plan is a great introduction to the world of financial planning. It includes everything with the exception of business planning. This is a great plan for individuals or couples who have ambitions to be business owners, but need to shore up their finances first.
*Cost will be determined based on complexity, but we do our best to not deviate from pricing on this page.
The Small Business Professional
Starting at $499 per month
This plan is designed for those with complex personal and business needs. If you are struggling to separate your personal and business finances, manage your business deductions, or plan for tax savings this is the model for you.
*Cost will be determined based on complexity, but we do our best to not deviate from pricing on this page.
Bright Life Plan
What's included:
Investment management up to $250,000
A CFO for your household.
A finance coach determined to keep you on track.
A comprehensive financial plan built to lead you to your Bright Life.
Investment management including asset allocation and asset location.
Ongoing portfolio monitoring and rebalancing.
Tax planning including tax minimization strategies such as tax loss harvesting.
Tax efficient portfolio design.
Retirement planning.
Unlimited access to your personal CFO for all of your questions and concerns.
Debt management strategies.
Emergency fund set-up and maintenance.
Cash reserve strategies.
Cash flow analysis and planning.
Performance tracking.
Investment Management
Investment management is a vital part of your financial plan. We include the first $250,000 under management as part of the cost of your on-going financial planning arrangement. As your assets grow, tax considerations, asset location, asset allocation, and other aspects of the investment process become more complex. Assets above $250,000 will be charged a fee that will increase as your assets do, but not like your typical advisor fee arrangement. Instead of detracting from your investment growth by pulling 1% from those accounts, we add the fee on-top of your financial planning fee as an on-going annual fee.
Annual Investment
Management Fee Schedule
*Added to your financial planning engagement.
Assets Under Management:
$0 - $250,000
Included in financial planning
$250,001 - $500,000
$2,000
$500,001 - $1,000,000
$3,000
>$1,000,000
$5,000