This website is owned by Amanda Wray LLC (dba Next Up Financial Planning). Next Up Financial Planning is a financial education and coaching service. Amanda is also a financial advisor with Brightscape Investment Centers. Information on this website should not be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and should not be considered legal, investment or tax advice as it does not take into account the specific objectives, financial situation or particular needs of any specific person.

Forecasts or projections of investment outcomes in investment plans are estimates only, based upon numerous assumptions about future capital markets returns and economic factors. As estimates, they are imprecise and hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Investing entails risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The opinions expressed by Next Up Financial Planning represent the current, good faith views of Next Up Financial Planning and are provided for limited purposes, are not definitive investment advice and should not be relied upon as such.

Financial planning and investment advisory services are offered by Brightscape Investment Centers, an SEC registered investment adviser located in Scottsdale, Arizona. Brightscape Investment Centers will only transacts business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Those interested in financial planning or investment advisory services may partner with Amanda or another advisor from Brightscape Investment Centers subject to entering into a written agreement with Brightscape Investment Centers. View Brightscape Investment Centers’ Form ADV Brochure, Terms of Use, and Privacy Policy.