Plan purposefully. Live richly.

The challenge for everyone: How to live richly today and simultaneously plan wisely for the future?

We start with what matters most.

We believe that each individual and family is unique, as are their values and vision for the future. That is why our process begins with your family’s values and vision, helping you to connect your financial assets–your life’s work–with what is most important to you.

Values

Vision

Strategy

Wise decisions and measurable results

Our proven process achieves the results you need.

STEP ONE

Family strategy

• Values – what matters most

• Vision – where you want to go

• Goals – the unique milestones

STEP TWO

Financial management

• Budgeting and spending

• Asset and liability tracking

• Cash flow projections

• Tax planning and preparation

STEP THREE

Financial planning

• Retirement income strategies

• Major purchases

• Social security planning

• Education funding

STEP FOUR

Investment strategy

• Liability-driven investing

• Personalized portfolio designed to achieve your financial plan

• Identify and track your minimum required rate of return

We custom-build your portfolio using our liability-driven investment methodology.

We know that every client’s vision for how they want to live is unique. Therefore, every client’s ability to take risks (optimal risk loading) and investment portfolio should be unique.

Bright Advisers uses your unique cash flow needs (liabilities) to build you a personalized investment portfolio that is designed to help you achieve your financial plan.

As you update your financial plan or as unexpected life events happen, your investment strategy is dynamically adjusted to align with your financial plan.

Wealth management is more than just financial planning.

It requires a team of multidisciplinary advisors who are committed to the only goal that matters–helping you achieve your financial plan and live the life you want.

  • Tax projections done by our CPAs
  • Roth IRA conversions
  • Tax-loss harvesting
  • Federal and state tax preparation
  • Review prior year tax returns for missed opportunities
  • Health insurance planning
  • Medicare planning
  • Life insurance
  • Disability insurance
  • Long-term care
  • Asset protection strategies
  • Estate plan review
  • Estate plan drafting and funding
  • Family legacy planning
  • Generational gifting strategies
  • Family giving philosophy
  • Donor advised funds
  • Community engagement plans
  • Private family foundations
  • Cash flow and distributions
  • Continuation planning
  • Exit and succession strategies
  • Investment opportunities
  • Key employee compensation
  • Solo 401k plans
  • 401k group plans
  • 3(21) and 3(38) fiduciary
  • Self-directed 401k accounts

We'll make sure your financial plan adapts to your life.

Bright Advisers allows you to focus on your family while knowing that your advisor is taking care of the planning. Our quarterly focus map guides the key planning conversations that your advisors will help you navigate throughout the year.

Unbiased, human-centered advice.

Most traditional firms only get paid when you move your investments to their firm, which results in a conflict of interest. We believe the best way to deliver unbiased advice is to charge separate fees–one for financial planning and one for investment management.

Family

$ 500 per month
  • Values and vision
  • Budget and cash flow
  • Investment strategy
  • Tax return analysis and filing
  • Retirement planning
  • College education funding
  • Insurance planning
  • Estate planning
  • Family legacy planning
  • Access to insurance, legal and tax specialists

Entrepreneur

$ 800 per month
  • Exit and succession planning
  • Business continuation (buy/sell)
  • Cash flow and distribution planning
  • Key employee compensation
  • Valuation
  • Insurance audit
  • Legal audit
  • Asset protection strategies
  • Retirement plan review
  • Everything in Family plan

Family Office

Custom Contact us for pricing
  • Family Operating System®
  • Family Knowledge Base™
  • Customized service plans, designed to serve families with multi-generational wealth planning needs or unique financial objectives.

Bright Advisers investment management

No platform fees. No TAMPs. No trading fees. No commissions. Minimal fund fees.

Let's build a strong foundation for your family's future.

Disclosures

Lifeworks provides customized investment advisory services on a discretionary basis to its Clients pursuant to a Wealth Management Agreement.
 
Our standard investment management fee (also referred to in our ADV as the “Advisory Fee”) is 0.80%1. The Advisory Fee is payable monthly in advance based on the market value of each client’s account as of the last business day of the prior month. The advisory fee for the initial month is calculated on a pro-rata basis commencing on the date assets are designated to Lifeworks for management under the Lifeworks Wealth Management Agreement.
 
When executing a Wealth Management Agreement, Clients may select whether to pay the Advisory Fee by ACH payment, credit card, or by the custodian deducting the fee from their account, each of which must be paid on a monthly basis within 30 days of the invoice. For Client accounts implemented through an Independent Manager, Lifeworks and the Independent Manager will each assume the responsibility for calculating and deducting their respective fees from the Client’s account(s).
 
The advisory fee is payable monthly in advance. Clients or Lifeworks may terminate the Wealth Management Agreement at any time by providing advance written notice. Any prepaid but unearned advisory fees will be returned to the Client, calculated on a daily prorated basis. Where client removes Lifework’s authority with respect to an account directly through the account’s custodian, rather than notifying Lifeworks directly, the date of termination shall not be earlier than the date upon which Lifeworks became aware of the termination.
 
Wrap Fee Program
For many discretionary wealth management clients, Lifeworks delivers its services through a wrap fee program. Under this program, Lifeworks pays from its advisory fee the client’s cost of certain brokerage and other expenses. This includes securities transaction fees for certain mutual funds, custodial costs, administrative fees, fees for options contracts, fees for alternatives, and other fees and expenses (“Covered Costs”). Depending on the level of trading for the client’s account in a particular year, the Client may pay more or less in total fees than if the client paid its own transaction fees. Including these fees into a single asset-based fee is considered a “wrap fee program” (referred to herein as the “Wrap Program”). For more information please see Lifework’s Wrap Fee Program Brochure which is included as a supplement to our ADV.

1 – Lifeworks Advisors has independent financial advisors that are allowed to negotiate unique fee schedules with each client. In those instances, the actual investment management fee might be higher or lower than our standard advisory fee. The maximum advisory fee an advisor may charge is 1.50% annually of the assets under management the client has with Lifeworks.