Brighter Financial Capital Management (BFCM) provides investment advice and financial planning to individuals, high net worth individuals, and businesses. BFCM offers both discretionary and non-discretionary asset management services, including variable annuity management. They also provide services to retirement plans, acting as either a limited scope advisor or an investment manager. Financial planning services cover a range of topics, including retirement, education, and tax planning.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 1.15% |
| $100K - $500K | 1.00% |
| $500K - $1.0M | 0.80% |
| $1.0M - $2.0M | 0.75% |
| $2.0M - $5.0M | 0.65% |
| $5M+ | 0.40% |
Fees are negotiable. For accounts on the AE Wealth Management platform, the same fee schedule applies, with an additional platform fee of up to 0.20%. For accounts on the AssetMark platform, BFCM's fee schedule is: - **Up to $100,000**: 1.25% per year - **$100,001 to $500,000**: 1.00% per year - **$500,001 to $1,000,000**: 0.90% per year - **Over $1,000,000**: 0.75% per year Variable annuity management fees are 1% annually.