Roseville, CA Office

Bright Lake serves individual and high‑net‑worth clients with retirement-centered financial planning and ongoing investment advisory services. The firm delivers discretionary portfolio management via model portfolios, in addition to financial planning and an estate‑planning option offered through a partnership with Wealth.com.

Bright Lake’s investment approach places many clients in model‑based, discretionary accounts that are overseen by its advisers and implemented by sub‑advisers and third‑party money managers, including access to AE Wealth Management’s managed‑account program. The firm describes a goals‑based, household level approach with ongoing monitoring and rebalancing, while also providing non‑discretionary advice and insurance product recommendations through an affiliated insurance agency.

Distinctive elements disclosed in the brochure include use of AE Wealth Management’s bundled platform — which the firm acknowledges may operate as a wrap‑fee type arrangement — and a stated, flat‑fee estate planning offering facilitated by Wealth.com. The brochure also notes the firm’s dual insurance and advisory activities (advisers spending roughly half their time on insurance sales), relationships with insurance marketing organizations, and that the firm advertises third‑party ratings in its materials.