The Brite platform
The smarter way to invest
What is the Brite platform?
The Brite Platform offers you a complete, low fee solution so more of your money is invested generating better returns over time.
It’s an investment platform designed with the aim of maximising your pension assets and it’s where we select and trade securities, manage risk and rebalance portfolios all as effectively and efficiently as possible.

Who are Brite?
The Brite Platform is run by Brite – a global company with offices and teams around the world dedicated to acting in the client’s best interests with high quality pension planning and investment advice. Formed in 2016, Brite has created a new and better way for UK expatriates to invest.
Today, Brite is one of the world’s leading UK pension innovators with its tech-advanced investment platform and end-to-end retirement solution focused on lower costs, transparency and tax efficiency to meet the needs of the international investor.
Brite USA
Brite USA, Inc. is a registered investment advisor based in the USA with offices in New York and Houston. Brite USA is in a unique position to offer the Brite Platform to UK pension holders residing in the USA who seek to take control of their assets from outside of the UK and also to clients with existing Qualifying Recognised Overseas Pension Schemes (QROPS) or a Self-Invested Personal Pension (SIPP).
A summary of the Brite Platform
Easy set-up
Brite USA, Inc. is a registered investment advisor based in the USA with offices in New York and Houston. Brite USA is in a unique position to offer the Brite Platform to UK pension holders residing in the USA who seek to take control of their assets from outside of the UK and also to clients with existing Qualifying Recognised Overseas Pension Schemes (QROPS) or a Self-Invested Personal Pension (SIPP).
Lower Cost
We use Exchange-Traded Funds (ETFs) to keep costs down.
No hidden fees
You’ll always know how much you’re paying and we’ll never hide charges from you.
We charge an annual fee of 1% for advisory and asset management, no more.
There are additional ETF expenses reflected directly through the net asset value of the fund, typically from 0.05% to 0.25% annually.
Quick, Easy and Secure Access to your Brite Platform Account
Online access via the Brite App wherever you are, 24/7.
Four currencies offered
US Dollars, British Pounds, Euros, Australian Dollars
A Team of Investment Advisors Ready to Support You
The Brite USA team of investment advisors supports you with investment advice and guidance.
A summary of the Brite Platform
Easy set-up
Brite USA, Inc. is a registered investment advisor based in the USA with offices in New York and Houston. Brite USA is in a unique position to offer the Brite Platform to UK pension holders residing in the USA who seek to take control of their assets from outside of the UK and also to clients with existing Qualifying Recognised Overseas Pension Schemes (QROPS) or a Self-Invested Personal Pension (SIPP).
Lower Cost
We use Exchange-Traded Funds (ETFs) to keep costs down.
No hidden fees
You’ll always know how much you’re paying and we’ll never hide charges from you.
We charge an annual fee of 1% for advisory and asset management, no more.
There are additional ETF expenses reflected directly through the net asset value of the fund, typically from 0.05% to 0.25% annually.
Quick, Easy and Secure Access to your Brite Platform Account
Online access via the Brite App wherever you are, 24/7.
Four currencies offered
US Dollars, British Pounds, Euros, Australian Dollars
A Team of Investment Advisors Ready to Support You
The Brite USA team of investment advisors supports you with investment advice and guidance.
Low fee strategy
The amount you pay in fees affects your portfolio’s performance. And low fees play a pivotal role in our investment strategy – as we know that, over time, this is probably one of the most important factors in generating better returns.
A plan to meet your financial goals
We’ll build you a diversified portfolio that aims to maximise your returns while keeping you in your risk comfort zone. And our technology maintains the right investment mix over time.


Optimising your investments
We all want our money to work hard for us and grow. Our approach saves you money, keeps up to speed with the markets and rebalances your portfolio.
As an investment manager, we actively construct the asset allocation and select the holding that is rebalanced and optimised periodically. Then we implement our strategies via passive vehicles such as ETFs that are replicating major indices. We also ensure that the portfolio remains within your risk tolerance over the long term.
Why use ETFs?
We use ETFs which track an index, a specific asset or basket of assets. ETFs cover many areas of the market including stock indices, sectors, commodities, currencies, bonds and even instruments that track the volatility of the stock market.(1)
We use them because they are a lower cost way of investing in the stock market and we can pass that saving on to you in the form of a low fee. This in turn means, over time, you may get a better return as more of your savings are reinvested.
What is rebalancing?
Rebalancing is used to lower volatility and improve returns – a process that sells assets that have become expensive while buying assets that have become cheaper.
This investment strategy often produces superior results over the medium to long term.

Investing in the U.S. for retirement
The Brite Platform is unique in that it provides clients access to U.S. listed securities in a tax efficient way. Many other solutions withhold tax deducted from dividends at source.
The Brite Platform is different as it can provide tax efficient solutions that common alternative solutions do not. A further benefit to investing in assets on U.S. exchanges versus their European counterparts is that U.S assets traded on U.S exchanges can often have lower expense ratios and higher liquidity.
There is an additional annual fund cost, using Exchange Traded Funds ranging from 0.07% to 0.20%*. For new pension clients an additional one off SIPP set up fee is charged. (2)
*The total expenses ratio of the portfolios range on average from 0.07% to 0.20. The maximum total expense ratio of any underlying holding within the portfolios is 0.64% on GBP, and 0.45% on USD, however the weighted total expense ratios of the entire portfolio will not exceed 0.20%.
Intelligent, low cost investing
The Brite Platform is based on the key principle that investment costs are one of the most significant factors that affect long term portfolio performance. The Brite Platform uses diversified, low cost Exchange Traded Funds (ETFs) in model portfolios aligned to risk profiles.
Another advantage of using ETFs is the avoidance of active management costs. Many investors and their advisers make the mistake of trying to pick stock or time the market, often at significant expense – a strategy that can actually be counterproductive.


A platform that reduces cost
The Brite Platform delivers model ETF portfolios with automatic rebalancing on your behalf, without any added cost. The total cost to rebalance is $0.
Furthemore, the Brite Platform does not pass on any transaction costs for the buying and selling of securities to clients.
Our platform does not include additional fees other than our annual 1% advisory and asset management fee.
This means:
$0 Trading fees
$0 Quarterly administration fees
$0 Custodian fees
$0 Establishment fees
$0 Withholding tax
The only additional expense to our annual fee is an ETF transaction cost of around 0.15% per annum (adjusted directly through the net asset value of the fund).
Portfolio fee calculator
Try our simple to use fee calculator to see how higher costs affect investment growth.
The following hypothetical example is based on the assumption compound interest at 6% per annum gross return:
Simply add the value of your investment fund and current estimated percentage cost. The calculator will illustrate the effect of different fee levels on the growth of the investment over time.


A smarter, cheaper, better investment platform
The Brite Platform offers you a lower-cost, tax-efficient investment solution with model portfolios aligned to your risk profile. Our mobiles app gives you easy access to your portfolio and account so you can keep track of your assets and as we are completely transparent with our charges you’ll know exactly what you’re paying.
Your investment advisor will be happy to discuss with you how the Brite Platform could help grow your portfolio.
The future's Brite
www.briteadvisors-usa.com
1. Past performance is not indicative of future returns and the value of investments and the income derived from them can go down as well as up. Future returns are not guaranteed, and a loss of principal may occur. ETFs are subject to market risk, including the possible loss of principal. The value of the portfolio will fluctuate with the value of the underlying securities. ETFs may trade for less than their net asset value. Investors should consider an ETF’s investment objective, risks, charges and expenses carefully before investing.
2. A one-off, upfront SIPP Fee is charged by Brite USA to facilitate the opening of a SIPP account. The applicable SIPP Fee charged is based on (a) the type of transferring plan; and (b) the amount transferred to the Brite Platform, as outlined in the Brite USA Form ADV Part 2A Brochure at Item 5. Fees and Compensation-( link to ADV). Speak to a Brite USA investment adviser for further information.
3. The website links provided in this brochure are for your convenience only and are not an endorsement or recommendation by Brite USA.
4. Any returns presented are hypothetical. Hypothetical returns are net of estimated advisory fees and transaction cost. The assumed 6% return is only an illustration and assumes annual compounding. Actual strategy returns from live portfolios may differ materially from hypothetical returns. There is no substitute for actual returns from a live portfolio. There are inherent limitations in hypothetical model results like those portrayed in this brochure, particularly that such hypothetical results do not reflect trading in actual client accounts. The hypothetical is meant to illustrate the effect of investment management costs on net returns.
5. Hypothetical returns do not reflect the macroeconomic risks of using an investment strategy in a different time period or the financial risk of executing trades in a live portfolio, which include the potential market impact on securities caused by selling or buying and does not take into account the effect of taxes.
6. This Brochure is not intended to be used as a general guide to investing, or as a source of any specific investment recommendations, and makes no implied or express recommendations concerning the manner in which any client’s account should or would be handled, as appropriate strategies depend upon the client’s specific circumstances and investment objectives. Always seek professional financial advice before investing.
7. Investment advice in the USA is provided by Brite USA, Inc., which is registered with the U.S. Securities and Exchange Commission (“SEC”). Please note registration with the SEC does not imply any level of skill or training and] that the SEC has not approved or endorsed Brite USA, Inc., or its strategies or any of its marketing materials. Any representation to the contrary is a criminal offense. See Brite USA, Inc., Form ADV, Parts 1 and 2A for more details. These can be found at: https://adviserinfo.sec.gov/firm/summary/155775
8. Portfolio rebalancing occurs approximately annually, but no specific rebalancing date is guaranteed.
9. Nothing in this brochure is intended to be and nor should it be construed as tax advice. Always seek professional tax advice from a qualified tax professional before investing.
10. The Products referred to in this brochure are not FDIC insured; are not bank guaranteed; may lose value; are not a bank deposit; are not insured by any federal or state government agency and are not a condition to any banking service or activity.
Strategy Sheets
Please download our strategy sheets providing net performance, benchmarks and holdings in asset classes.
These strategy sheets are updated.
Please contact us for further information if required.

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