Financial Planning

 

Brightwater Financial is the sister business of Brightwater Accounting that covers financial planning and investment advisory services.

Financial Planning

Brightwater Financial’s signature service is comprehensive financial planning with ongoing accountability and coaching. We look at your big and little dreams and put together a financial strategy for reaching them. Nobody knows how the tax laws or economy will change, but we can work together to plan for what we do know and makes some educated guesses around what we don’t. When things (yes, including your goals) change, we’ll make decisions about how to adjust your strategy.

Some people aren’t ready to create a full-blown financial plan. Or maybe they just want their student loans reviewed or need answers to a few questions. A Quick Start Session where we tackle 2 to 3 of your most pressing financial questions might be the perfect fit.

Investment Management Services

I believe that markets are largely efficient so rather than try to beat the markets, we’ll let your money work for you through the power of the markets. We’ll build well-diversified portfolios with mainly low-cost institutional mutual funds and exchange traded funds (ETFs). But before we invest one penny, we’ll review your goals, risk tolerance, time horizon, tax considerations, income needs, and any unique needs that you might have.

Investment management services start at 0.95% per year for the first $250,000 with breakpoints thereafter. Retainer services clients who also engage the firm for its investment supervisory services will be assessed an annualized asset‐based fee that is capped at 0.50% (50 basis points).