# Brighter Financial Capital Management, LLC

> 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.

- CRD: 300619
- Filed as: BRIGHTER FINANCIAL CAPITAL MANAGEMENT, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Reston, VA
- Filing period: October 2026
- Form ADV filing dated: September 28, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/300619
- AdvisorCensus page: https://advisorcensus.com/firm/brighter-financial-capital-management-llc-reston-va-300619

## Quick answers

**How is Brighter Financial Capital Management, LLC compensated?**
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).

**How much does Brighter Financial Capital Management, LLC charge?**
Its Form ADV Part 2A brochure dated February 18, 2026 states: Subscription: $39.99 a month (Intro Planning); Subscription: $240 a month (Silver); Subscription: $600 a quarter (Silver); Subscription: $480 a month (Gold); Subscription: $1,200 a quarter (Gold); Subscription: $1,500 a month (Platinum). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Brighter Financial Capital Management, LLC located?**
Brighter Financial Capital Management, LLC's principal office is in Reston, VA, according to its Form ADV.

**Is Brighter Financial Capital Management, LLC registered with the SEC or a state?**
Brighter Financial Capital Management, LLC is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 300619.

**How much does Brighter Financial Capital Management, LLC manage?**
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).

**How have Brighter Financial Capital Management, LLC's assets and staff changed since 2025?**
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.

**What types of clients does Brighter Financial Capital Management, LLC serve?**
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).

**Which custodians does Brighter Financial Capital Management, LLC use?**
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.

**Does Brighter Financial Capital Management, LLC report any disciplinary disclosures?**
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

**Does Brighter Financial Capital Management, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated February 18, 2026 says: "BFCM does not require a minimum to open or maintain an account."

**What changed in Brighter Financial Capital Management, LLC's recent Form ADV filings?**
In the October 2026 filing data: Employees performing advisory functions went from 4 to 5.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated February 18, 2026)

- Account minimum: None

> BFCM does not require a minimum to open or maintain an account.

- Subscription: $39.99 a month (Intro Planning)

> Intro Planning • $39.99 monthly • $299 for one hour or $349 for 1 ½ hour meeting with an advisor

- Subscription: $240 a month (Silver)

> Silver • $240 per month or $600 per quarter (20%) discount

- Subscription: $600 a quarter (Silver)

> Silver • $240 per month or $600 per quarter (20%) discount

- Subscription: $480 a month (Gold)

> Gold • $480 per month or $1,200 per quarter (20%) discount

- Subscription: $1,200 a quarter (Gold)

> Gold • $480 per month or $1,200 per quarter (20%) discount

- Subscription: $1,500 a month (Platinum)

> Platinum • $1,500 per month or $3,750 per quarter (20%) discount

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Equity Trust Company

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.

### Regulatory assets under management (Item 5.F)
- Total: $135,055,793
- Discretionary: $135,055,793
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 300 | $70,982,504 |
| High net worth individuals | 32 | $63,309,269 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 4 | $556,233 |
| Corporations or other businesses not listed above | 2 | $207,787 |

### Advisory services (Item 5.G)
- 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

### Firm details
- Registered since: 2024 (1 year)
- Employees: 5 total, 5 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: FL, MD, NC, SC, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- clarkfinancialplanning.com
- Facebook @ClarkFinancialPlanning
- Instagram @clarkfinancialsolutions
- LinkedIn @1863617

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $116,329,199 | 3 | June 10, 2025 |
| October 2026 | $135,055,793 | 5 | September 28, 2026 |

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.

## Changes in the filing (last 12 months)

### October 2026
- Employees performing advisory functions went from 4 to 5.

### March 2026
- Regulatory assets under management went from $116,329,199 to $135,055,793 (+16%).
- Employees performing advisory functions went from 3 to 4.

### December 2025
- Registered or notice-filed in FL, MD, NC, SC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Brighter Financial Capital Management, LLC (CRD 300619): Form ADV filing data as of October 2026.