There’s a smarter way to 401(k).
We can help you get the most of your employer-sponsored 401(k) and other accounts like IRAs and 529s. It’s all part of financial planning with us at Facet.
Learn what our flat-fee memberships can do for your finances.
Schedule your free intro call today!
A Facet membership can do plenty for your 401(k).
With the guidance of a CFP® professional, you can:
Invest with your right level of risk (stock-to-bond mix).
Get proposals of Facet models for each of your accounts.
Get 401(k) advice and much more with a Facet membership.
Facet is financial planning for the life you want.
With Facet’s flat-fee membership, you’ll get objective advice you can trust. We’ll create a personalized financial roadmap tailored to all aspects of your life, not just retirement.
Your 401(k) isn’t a set it and forget it investment.
We can help you roll with life’s changes so that your account stays in step with your retirement.
How Facet stands out
- Investment recommendations on accounts that we don’t manage, like your 401(k), 529, and IRA.
- A flat-fee membership that won’t change based on how much you invest and earn.
- Objective advice, always.
Traditional advisors
- Don’t always offer advice on non-managed accounts.
- May charge you by the hour or collect fees based on how much you invest.
- May also work on commissions, which might not line up with your priorities.
- Investment recommendations on accounts that we don’t manage, like your 401(k), 529, and IRA.
- A flat-fee membership that won’t change based on how much you invest and earn.
- Objective advice, always.
- Don’t always offer advice on non-managed accounts.
- May charge you by the hour or collect fees based on how much you invest.
- May also work on commissions, which might not line up with your priorities.
Facet was ranked #1 Best Financial Advisory Firm 2025 by USA TODAY!
In April of 2025, USA TODAY partnered with Statista to rank the top 500 RIAs. Recommendations were collected via an independent survey among over 30,000 individuals and an AUM development analysis over the short and long term. Self-recommendations were prohibited, and no compensation was provided for the ranking.
Meet some of the people we’ve helped along the way.
Real Facet member
Colby
“Before Facet it almost felt like I worked for my money and now my money works for me.”
Greater financial security allows her to pursue her passions for philanthropy and charity.
Real Facet member
Jonathan
“With Facet, its been such a relief for me that I want to tell everyone and get everyone on board.”
Has less anxiety around money and was able to travel for the first time.
Frequently asked questions.
Why should I choose Facet?
In an industry saturated with fees, confusing jargon, and cookie-cutter solutions, Facet exists to make financial planning affordable, accessible, and personalized.
Affordable: With our flat-fee membership options and commission-free approach to investing, we’re helping you keep money in your pocket so you can spend it on the things that matter most to you.
Accessible: Financial planning can be complicated enough as it is, without all the fancy jargon and hard-to-understand processes. With knowledgeable, objective CFP® professionals, intuitive technology and ongoing support, we’re making financial planning simple. (As it should be.)
Personalized: There is no one-size-fits-all approach to planning because there is no such thing as a “standard member.” We take the time to understand our members’ individual needs, dreams and priorities to develop plans that help them achieve success by their unique definition of the word.
I can do this myself, why do I need a financial planner?
While you may feel confident handling financial tasks independently, a financial planner offers expertise, objectivity, and comprehensive planning that go beyond task completion. Our CFP® professionals provide tailored advice, save you time, manage risks, and adapt your plan to changing circumstances, ensuring your long-term financial wellness and peace of mind.
What’s a fiduciary?
A fiduciary holds a legal and ethical relationship of trust with the person whom they’re serving. Therefore, a fiduciary is legally obligated to only make recommendations in the best interest of each person they are giving advice to. Like all SEC-registered firms, all of the CFP® professionals at Facet are fiduciaries on behalf of our members.
What happens if I want to cancel my membership?
All of Facet’s memberships are annual and non-refundable. If you choose to cancel your membership, you will be responsible for any outstanding balance, and will retain access to your planner and services for the remainder of the term.
Can my spouse or partner join under my membership or do they need their own?
You and your spouse or partner can use the same membership.
What fees does Facet charge for investment management?
Facet offers flat-fee planning memberships that don’t change based on how much you invest and earn, however, our custodians or third party service providers may charge fees that will be deducted from your account.
You can view a full list of potential custodial costs under the “Investment management” section of our legal page and for more information about Facet’s approach to investing, watch this video.
Facet’s specific investment management services vary depending upon the chosen service level.
How can Facet manage my investments as part of my membership when others charge a fee?
We’re able to include investment management as part of your Core, Plus, or Complete membership because we believe in a transparent and member-centric approach to financial planning. To us, managing a $100,000 portfolio isn’t much different than managing a $1,000,000 portfolio—so why would we make our members pay more? By structuring our services this way, we prioritize your financial well-being over transaction-based fees.
Watch this video to learn about how Facet could bring value to your investing strategy.
