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Please check your email and accept the calendar invitation to secure your meeting with Facet.
You’re one step closer to a new home.
Get objective, flat-fee financial guidance and a custom roadmap built to help you make the right money decisions.
Flat-fee memberships
Your personalized roadmap
For all facets of your life
You’re one step closer to a new home.
Get objective, flat-fee financial guidance and a custom roadmap built to help you make the right money decisions.
Flat-fee memberships
Objective guidance from CFP® professionals at a simple flat membership fee. No commissions, no surprises.
Your personalized roadmap
For all facets of your life
Facet was ranked Best Financial Advisory Firm 2026 by USA Today!
You asked about:
Home buying.
Facet members Shelia and Adam had a hard time talking about their finances.
Be sure you’re making smart choices with your money.
Secure member dashboard
- Single place to see all your money info and track progress
- Earned an “A” rating from SSL Labs for website security
- Unlimited planner messaging
Personalized financial roadmap
- Designed just for you to achieve your goals
- Step-by-step guidance to keep you on track
- Adjusts as your life changes
Investment management
- Tax-advantaged accounts (including IRAs and backdoor Roth IRA conversions)
- Individual, joint, and trust taxable accounts
- Exchange-traded fund (ETF) portfolios
- Continuous portfolio monitoring
- Tax-loss harvesting
- Employer plan guidance (including 401k, HSA/FSA)
CFP® professional always
- All CERTIFIED FINANCIAL PLANNER® professionals–the highest financial planning certification
- Objective advice–no conflicts, no commissions
- Convenient virtual meetings
Retirement & life planning
- Goal and income assessment
- Savings and investment planning
- Ongoing planning pre and post-retirement
Savings and debt management
- Cashflow management
- Short and long-term savings strategies
- Debt management
Tax-savings strategies
- Tax-savings strategy built into your roadmap
- Tax-efficient education savings recommendations
Insurance planning
- Identify coverage gaps
- Annual review with recommendations
- Employer-sponsored insurance support (including health and life)
Education planning
- Education savings
- Tuition payment strategy
- Loan payoff strategies
How we’re different.
| Facet | Traditional Advisor | Robo-Advisor | |
|---|---|---|---|
| What am I actually getting? | Personalized, jargon-free advice for everything money impacts in your life + help executing your plan. | Usually a 30-60+ page report that mostly focuses on your investments | A “robot” or algorithm, that manages your investments; sometimes can ask a person one-off questions for an additional fee |
| What are the minimum assets required? | $0 | Varies | Varies |
| How is my planner qualified? | Always a CFP® Professional (the highest possible certification) | Titles are unregulated and misleading — not always a CFP® professional | No, or limited access to, a financial planner |
| How will we keep in touch? | Up to 4 virtual meetings (year 1) and varying sessions based on membership tier (years 2+) | Typically one or two meetings/year, usually in-person, during business hours | No — or only ad hoc —meetings |
| How will technology be used? | Easy-to-use platform with key info in one place | Technology is usually not a central part of the service | Technology is typically the only service offered |
| How will my fees be calculated? | One fixed fee based on your needs | Varies; typically a % of what you invest, plus fees. Cost increases as your money grows | A % of what you invest, plus fees. Cost increases as your money grows |
Featured in
Find out how much home you can afford.
Our home buying calculator can help you estimate your monthly payments.
Mortgage Details
The Mortgage Calculator uses a formula based on the following user data inputs: loan amount, down payment, annual interest rate and loan terms in years, in order to calculate monthly mortgage rates, total amount paid over the life of a loan, and to provide a visual representation showing how payments and interest accumulate each year.
Facet is an SEC-registered investment adviser. This calculator is for information purposes only and is not intended to provide mortgage loan, investment, legal, tax or accounting advice. The accuracy of this projection is not guaranteed nor is it necessarily applicable to your circumstances and should be seen as an estimate only. Your actual monthly payment, total interest, and total amount paid may vary based on your specific loan terms, property taxes, insurance, and other factors. All calculations are based on the user’s inputs at a point in time, and do not account for any other specific situations. This is not an offer to sell securities or the solicitation of an offer to purchase securities. Facet does not provide loan services. All investments carry a degree of risk and past performance is not a guarantee of future results.
Trustpilot rating: 4.7/5 stars
USA TODAY: Best Financial Advisory Firm 2026
Assets under management
Nerdwallet: 4.7/5 stars
Newsweek: America’s Top Financial Advisory Firms 2025
BBB: A+ rating
Members
Facet has a 4.7-star rating with NerdWallet as of October 2025, period considered Aug – Oct. 2025. This review is unpaid, but Nerdwallet receives referral compensation. USA TODAY/Statista included Facet in the list of Best Financial Advisory Firms 2026 based on an independent survey and AUM analysis, as of April 2026. Trustpilot rating as of 2/13/26 (may fluctuate); based on reviews since Jan 2022. BBB A+ Rating as of April 2026, based on reviews, complaints, time in business, etc; this Accreditation does not imply BBB approval/ endorsement. BBB is a paid membership; no compensation was paid for these ratings, rankings, or reviews. More details here.
Explore our real estate library.
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Why are mortgage rates rising and when will they drop?
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Will mortgage rates keep falling in 2026? A forecast & analysis
Mortgage rates have finally dipped below 7%, but will they keep falling in 2026? This analysis dives into the three key economic scenarios—from a steady economy to a full recession—that will determine the Federal Reserve’s path on future rate cuts. We break down what it would take to see 5% mortgage rates, what could send them back to 7%, and
The real reason mortgage rates are so high in 2025 (and why they probably won’t drop soon)
Mortgage rates have remained stubbornly elevated, hovering around 7% for much of the last three years. Many are understandably hoping for rates to drop, whether to purchase a new home or to refinance an existing mortgage. This analysis will explore the key drivers of mortgage rates and offer our perspective on where they might be headed next. The unfortunate reality
Navigating real estate investments: a guide to potential risks
Real estate investments have a number of challenges, including poor business conditions and unattractive prices.
Am I ever going to be able to buy a home?
Despite multi-decade highs in mortgage rates, home prices keep rising. This has made a house unaffordable for many. Is there any relief in sight? We dive into the state of the real estate market, including everything from home prices to rental rates to real estate investing.
