Services

Wealth Management

We believe our role as fiduciaries extends beyond providing advice. Our clients come to us with uniquely complex situations that warrant the attention and collaboration of a broad network of experts. Our boutique wealth management process is defined as the oversight and coordination of relationships + processes + technology.

Relationships
BrightGuide Financial is an independent wealth management firm. Our business model affords us the unique advantage to forge relationships with a growing number of institutions, custodians, investment managers, technology providers, insurance carriers, and subject matter experts. The diversity of our partnerships enables us to leverage robust operational infrastructures, gain unbiased insights on global markets, and stay on top of the newest innovations in the industry.

Processes
Our front-end planning process is just the beginning. Some of the ongoing processes we manage for our clients include, investment manager and strategy selection, maintaining portfolio allocation, and providing performance reporting. Our retired clients rely on us to provide advice and administration of their lifestyle income needs. This may include assisting with RMD calculations, maintaining minimum liquidity thresholds, and executing an account-specific portfolio withdrawal strategy designed to mitigate taxes and increase longevity of the assets in the portfolio.

Technology
Over the past decade, technology innovations have disrupted the landscape of financial services. Today, we are truly operating in an integrated world of people + machines. Algorithms, high-frequency trading, machine learning, and artificial intelligence are changing the way investment firms and clients make decisions, share information, and interact. Technology providers have shifted their focus away from building all-in-one solutions to specializing in niche products designed to be connected to other niche products. Our philosophy on technology is an a-la-carte approach. We have hand selected highly specialized technology solutions to support each aspect of the client experience. BrightGuide Financial clients enjoy the ability to link virtually any account to a centralized dashboard that illustrates consolidated performance data, household level investment allocation, transaction reports, net worth, and progress toward goals.

Financial Planning

Financial planning is the holistic process of analyzing each aspect of your current financial situation to determine which strategies will help you manage risk and reach your goals in the most efficient manner. Our process is educational and interactive. Through a series of comparative mathematical projections and illustrations, our clients learn how the implementation of specific financial strategies may impact long-term results. We help our clients define investment performance benchmarks, improve cash flow, maximize social security income, mitigate taxes, understand sequence of returns risk, and build account specific withdrawal strategies. As your financial planning partners, we will provide ongoing advice and recommend revisions as your circumstances change.

“A plan is a bridge to your dreams. Your job is to make the plan or bridge real, so that your dreams will become real. If all you do is stand on the side of the bank and dream of the other side, your dreams will forever be just dreams.”
- Robert Kiyosaki -

401(k) Investment Advice

Today, many employees participate in employer-sponsored retirement plans, like a 401(k). For many, you’re left to make important investment decisions on your own, without the advice of an expert. We can help you in several ways.

Risk Tolerance
It’s critical to understand how much risk you’re willing to accept to achieve returns. We have a dynamic process that helps you see potential outcomes based on your exposure to risk.

Fund Selection
We will analyze your available fund options and create a personalized allocation to align with your risk tolerance and goals for growth.

Rebalancing
Twice a year, we will meet and review your current allocation, performance, and how your risk exposure has changed. At this time, we will assist you in making adjustments to your portfolio.

Advice
Participating in a 401(k) plan is more than making investment selections. You also need to decide on your contribution amount, whether to use a traditional or Roth option, and how to access funds should your plan allow it. We will work with you to ensure you’re getting the most out of your 401(k).

Contact us to learn more about how we can help you manage your retirement plan.

Insurance

Insurance products are tools designed to transfer risk to another party. Insurance planning can be an effective way to manage ongoing risks and avoid potential catastrophes. We start by helping you identify your exposure to various risks, then consider the options available to address them. The largest and most successful companies in the world invest a great deal of time understanding and managing risk. We believe all households and businesses should take a similar approach.

Contact us to learn more about our insurance services.

Corporations & Business Owners

Insurance
We have a strong background in helping businesses identify and address catastrophic risks, such as the disability or death of an equity partner or key employee. A property structured buy-sell agreement, funded by insurance, is a critical planning initiative that all business owners should address.

Retirement Plans
Today, there are many retirement plans to choose from – each with varying rules and pros and cons. We will help you identify the most appropriate plan for your business. Some of these options include - employer-sponsored 401(k) plans, solo 401(k) plans, profit sharing, defined benefit plans, cash balance plans, and SEP IRAs. For companies with unique management structured needing to create fringe benefit plans for executives and highly compensated employees, we can help you establish non-qualified plans.

Seminars and Educational Workshops

We are passionate about educating our community, and regularly host live financial education events and dinner seminars.

Contact us to learn more about our speaking services.

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