Brightworks Financial Planning LLC

Brightworks Financial Planning LLC is an independent, fee‑based single‑advisor firm that provides wealth management, investment management, and both ongoing and project‑based financial planning to individuals, high‑net‑worth clients, employer retirement plans, and small businesses. The firm delivers portfolio management for individual clients, retirement plan consulting, and occasional educational seminars, generally charging percentage‑of‑assets advisory fees for managed accounts.

The firm constructs diversified asset‑allocation portfolios using a combination of passive and active strategies and may implement client strategies through third‑party managers, turnkey model providers, and a custodial model marketplace. It offers specialty approaches—including ESG/sustainability options, tax‑aware long/short separately managed accounts, real‑estate vehicles such as REITs and Delaware Statutory Trusts, and discussions of digital assets—while typically exercising discretionary trading authority for managed accounts.

What is distinctive about the firm is its insurance affiliation: the principal is a licensed insurance agent and the firm may receive commissions for life, disability, or variable annuity products, a conflict disclosed in the brochure and less common among independent advisers. The firm also provides estate‑planning implementation through a third‑party vendor with subsidized or fee‑waived options (and optional binder/notary services) and manages a relatively large asset base for a single‑advisor practice, factors that shape its use of outside managers and custodial model platforms.