{
  "crd_number": 300619,
  "slug": "brighter-financial-capital-management-llc-reston-va-300619",
  "primary_business_name": "BRIGHTER FINANCIAL CAPITAL MANAGEMENT, LLC",
  "legal_name": "BRIGHTER FINANCIAL CAPITAL MANAGEMENT, LLC",
  "dbas": [],
  "city": "Reston",
  "state": "VA",
  "country": "United States",
  "cbsa_code": "47900",
  "metro": {
    "cbsa_code": "47900",
    "common_name": "Washington",
    "msa_name": "Washington-Arlington-Alexandria, DC-VA-MD-WV",
    "path": "/advisors/dc/washington"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2024-11-25",
  "years_registered": 1,
  "period": "2026-10-01",
  "filing_date": "2026-09-28",
  "carried_forward": false,
  "raum_total": 135055793.0,
  "raum_discretionary": 135055793.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 5,
  "advisory_employees": 5,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 70982504.0,
      "count": 300
    },
    "pension_profit_sharing": {
      "raum": 556233.0,
      "count": 4
    },
    "high_net_worth_individuals": {
      "raum": 63309269.0,
      "count": 32
    },
    "corporations_other_businesses": {
      "raum": 207787.0,
      "count": 2
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "pension_consulting",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": true,
  "disclosure_yes_count": 0,
  "states_registered": [
    "FL",
    "MD",
    "NC",
    "SC",
    "VA"
  ],
  "websites": [
    "https://clarkfinancialplanning.com",
    "https://facebook.com/ClarkFinancialPlanning",
    "https://instagram.com/clarkfinancialsolutions",
    "https://linkedin.com/company/1863617/admin/dashboard"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/300619",
  "city_as_filed": "RESTON",
  "url": "https://advisorcensus.com/firm/brighter-financial-capital-management-llc-reston-va-300619",
  "display_name": "Brighter Financial Capital Management, LLC",
  "summary": "Brighter Financial Capital Management, LLC is an SEC-registered investment advisory firm in Reston, VA, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 28, 2026.",
  "citation": "AdvisorCensus. Brighter Financial Capital Management, LLC (CRD 300619): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services",
    "Selection of other advisers (including private fund managers)",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is Brighter Financial Capital Management, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Brighter Financial Capital Management, LLC reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Brighter Financial Capital Management, LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated February 18, 2026 states: Subscription: $39.99 a month (Intro Planning); Subscription: $240 a month (Silver); Subscription: $480 a month (Gold); Subscription: $1,500 a month (Platinum). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Brighter Financial Capital Management, LLC located?",
      "a": "Brighter Financial Capital Management, LLC's principal office is in Reston, VA, according to its Form ADV."
    },
    {
      "q": "Is Brighter Financial Capital Management, LLC registered with the SEC or a state?",
      "a": "Brighter Financial Capital Management, LLC is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 300619."
    },
    {
      "q": "How much does Brighter Financial Capital Management, LLC manage?",
      "a": "Brighter Financial Capital Management, LLC reports $135,055,793 in regulatory assets under management in its Form ADV filing dated September 28, 2026 (100% discretionary)."
    },
    {
      "q": "How have Brighter Financial Capital Management, LLC's assets and staff changed since 2025?",
      "a": "In the Form ADV data for Brighter Financial Capital Management, LLC: Regulatory assets under management: $116,329,199 in the October 2025 data and $135,055,793 in the October 2026 data, up 16%. Total employees: 3 in October 2025 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Brighter Financial Capital Management, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (300); high net worth individuals (32); pension and profit sharing plans (but not the plan participants or government pension plans) (4)."
    },
    {
      "q": "Which custodians does Brighter Financial Capital Management, LLC use?",
      "a": "Brighter Financial Capital Management, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Equity Trust Company as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Brighter Financial Capital Management, LLC report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/300619"
    },
    {
      "q": "Does Brighter Financial Capital Management, LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated February 18, 2026 says: \"BFCM does not require a minimum to open or maintain an account.\""
    },
    {
      "q": "What changed in Brighter Financial Capital Management, LLC's recent Form ADV filings?",
      "a": "In the October 2026 filing data: Employees performing advisory functions went from 4 to 5."
    }
  ],
  "filing_history": [
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 116329199.0,
      "total_employees": 3,
      "filing_date": "2025-06-10"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 135055793.0,
      "total_employees": 5,
      "filing_date": "2026-09-28"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-10-01",
      "period_label": "October 2026",
      "notes": [
        "Employees performing advisory functions went from 4 to 5."
      ]
    },
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Regulatory assets under management went from $116,329,199 to $135,055,793 (+16%).",
        "Employees performing advisory functions went from 3 to 4."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Registered or notice-filed in FL, MD, NC, SC."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated February 18, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Subscription: $39.99 a month (Intro Planning)",
      "Subscription: $240 a month (Silver)",
      "Subscription: $480 a month (Gold)",
      "Subscription: $1,500 a month (Platinum)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "BFCM does not require a minimum to open or maintain an account."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Subscription: $39.99 a month (Intro Planning)"
        ],
        "quotes": [
          "Intro Planning\n• $39.99 monthly\n• $299 for one hour or $349 for 1 ½ hour meeting with an advisor"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Subscription: $240 a month (Silver)"
        ],
        "quotes": [
          "Silver\n• $240 per month or $600 per quarter (20%) discount"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Subscription: $480 a month (Gold)"
        ],
        "quotes": [
          "Gold\n• $480 per month or $1,200 per quarter (20%) discount"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Subscription: $1,500 a month (Platinum)"
        ],
        "quotes": [
          "Platinum\n• $1,500 per month or $3,750 per quarter (20%) discount"
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "subscription",
          "amount": 39.99,
          "min": null,
          "max": null,
          "period": "monthly",
          "service": "Intro Planning"
        },
        {
          "kind": "subscription",
          "amount": 240.0,
          "min": null,
          "max": null,
          "period": "monthly",
          "service": "Silver"
        },
        {
          "kind": "subscription",
          "amount": 480.0,
          "min": null,
          "max": null,
          "period": "monthly",
          "service": "Gold"
        },
        {
          "kind": "subscription",
          "amount": 1500.0,
          "min": null,
          "max": null,
          "period": "monthly",
          "service": "Platinum"
        }
      ]
    },
    "quotes": [
      "BFCM does not require a minimum to open or maintain an account.",
      "Intro Planning\n• $39.99 monthly\n• $299 for one hour or $349 for 1 ½ hour meeting with an advisor",
      "Silver\n• $240 per month or $600 per quarter (20%) discount",
      "Gold\n• $480 per month or $1,200 per quarter (20%) discount",
      "Platinum\n• $1,500 per month or $3,750 per quarter (20%) discount"
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    },
    {
      "name": "Equity Trust Company",
      "name_as_filed": "EQUITY TRUST COMPANY",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/brighter-financial-capital-management-llc-reston-va-300619.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 300,
      "fewer_than_5": false,
      "raum": 70982504.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 32,
      "fewer_than_5": false,
      "raum": 63309269.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 4,
      "fewer_than_5": false,
      "raum": 556233.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 2,
      "fewer_than_5": false,
      "raum": 207787.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/300619",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}