Transformative planning.
Transparent pricing.
Empowering you with the information you need to make financial decisions, even now.
You don’t need to be in the top 1% to get top-tier financial guidance.
That’s why we created our flat-fee membership options. (You know, where the price isn’t tied to how much money you’ve invested.) As part of our commitment to transparency, we outline every detail of your membership upfront so you know exactly what to expect. And then once you join Facet, we’ll be there every step of the way to help you define, pursue, and achieve the life of your dreams.
Keeping it simple.
That's kind of our thing.
- Personalized, dynamic planning that aligns with your values and supports every financial decision
- Always a CFP® professional, backed by a team of specialists
- Tech-powered solutions and expert guidance for a data-driven, human-led experience
- Investing included with no additional AUM fees (assets under management) or commissions
- Access to a CFP® professional via messages
Choose the membership that’s right for you.
Core 
$2000/year
$250 signup fee waived*
- Served by any CFP® professional
- Unlimited messaging access
- Up to 3 virtual sessions (year 1)
-
1 virtual session
(year 2+) - Cashflow and debt management
- Investing included with no additional AUM fees or commissions
- Retirement & life planning
- Insurance planning
- Estate planning (guidance only)
-
Business hours
(9am - 5pm)
Plus 
$3000/year
$250 signup fee waived*
Everything in Core and...
- Served by a small team of CFP® professionals
-
Up to 2 virtual sessions
(year 2+) - Equity and comp planning
- Extra hours upon request (up to 8pm)
Complete 
$6000/year
$250 signup fee waived*
Everything in Plus and...
- Served by your own dedicated CFP® professional
-
1 additional virtual session
(year 1) -
Up to 4 virtual sessions
(year 2+) - Estate planning (full plan and documents)
- Advanced tax strategy
- Extra hours upon request (7am-8pm)
* Facet will waive the initial enrollment fee of $250 if you select an annual payment for your services. All annual payments are non-refundable. Additional terms and conditions for annual payments can be found here.
Compare membership features
Cashflow and debt management
Cashflow managment
Short and long-term savings strategies
Debt management
Investment management
Goal-aligned investment strategy
Risk assessment
Portfolio monitoring and regular reviews
Tax loss harvesting
Employer plan portfolio guidance (401k, HSA/FSA, etc.)
Retirement & life planning
Goal and income assessment
Savings and investment planning
Tax-advantaged contributions & withdrawals
Ongoing planning pre and post-retirement
Insurance planning
Identify coverage gaps
Annual review with recommendations
Employer-sponsored insurance support (health, life, etc.)
Education planning
Savings and funding strategies
Financial aid guidance
Loan payoff strategies
Tax planning
Tax reduction strategy recommendations
Tax-efficient education savings recommendations
Last year’s tax return missed opportunity analysis
Personalized Roth conversion recommendation
Personalized tax withholdings analysis
Personalized taxable account diversification analysis
Personalized tax credits & deductions analysis
Personalized tax-saving retirement account withdrawal strategy
Facet partnership with your CPA** on your tax-filing
Equity & compensation planning
Equity award planning (optimal exercise & tax plan)
Company stock plan guidance (RSUs, ISOs, etc.)
Annual access to equity comp specialist
Estate planning
Estate planning education and guidance
Full suite of state-optimized documents
Last will & testament
Revocable trust & pour-over will
Financial power of attorney
Advanced healthcare directive
Nomination of guardianship
Unlimited access, make updates anytime
**Third-party authorization needed.