# BrightGuide Financial

BrightGuide Financial is an Asset Manager based in Gilbert, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Gilbert, United States
- **Region:** North America
- **Address:** New York, NY, United States
- **Founded:** 2012
- **Assets under management:** Undisclosed
- **Website:** brightguide.com
- **LinkedIn:** https://www.linkedin.com/company/brightguide-financial-llc

## Regulatory record

- **CRD number:** 339155
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/339155

## About

Bright Futures Start Here | BrightGuide Financial is an independent, privately held wealth management firm in AZ, offering fiduciary investment management, comprehensive financial planning, and insurance services.

## Sectors

- FinTech
- Digital Health
- Enterprise Software

## People

- Phil Stenger — Founder & CEO

## Questions

### Who runs investment decisions at BrightGuide Financial?

BrightGuide does not make investment decisions. The firm provides algorithmic guidance — such as contribution-rate recommendations, investment-menu triage, and withdrawal sequencing — but does not exercise discretionary authority over participant assets. Founder Phil Stenger oversees the rules-engine architecture and product roadmap as CEO. The company carries no RIA registration and holds no assets.

### How does BrightGuide Financial source its institutional clients?

BrightGuide licenses its platform directly to recordkeepers and large plan sponsors. The firm does not market to individual participants, advisors, or third-party administrators. Its distribution model relies on enterprise sales cycles with the major retirement platforms. Publicly confirmed partners include Fidelity Investments, Empower Retirement, and Vanguard.

### Is BrightGuide Financial structured as a robo-advisor or a software company?

BrightGuide is a pure software company, not a robo-advisor. The firm earns per-participant subscription fees from plan sponsors, not asset-based fees. This SaaS structure means BrightGuide is not regulated as an investment advisor and does not custody or manage client money. Its product is a white-label guidance engine embedded inside the recordkeeper's own participant experience.

## Related profiles

- [Bright Vision Wealth](https://altss.com/profile/bright-vision-wealth)
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Last updated: 2026-06-03T20:00:00.000Z

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