Congratulations on taking your first step to financial wellness!
Please check your email and accept the calendar invitation to secure your meeting with Facet.
You're one step closer to a confident retirement.
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 confident retirement.
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
Facet was ranked Best Financial Advisory Firm 2026 by USA Today!
You asked about:
Saving for retirement.
Facet members Brad and Cat knew they should be doing more.
Testimonials were provided by current members of Facet Wealth, Inc (“Facet”). Members have not been paid for their testimonial and there are no material conflicts of interest that would affect the given testimonials. These testimonials may not be representative of the experiences of other members, and do not provide a guarantee of future performance success or similar services.
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
Make your 401(k) work for you.
Give your Membership Manager an idea of what you’re saving and your retirement timeline. We’ll help you put your money to work.
Your Information
This 401k calculator uses a compounding interest formula to project the users potential 401k savings over time. The calculator also does not indicate the IRS Maximum Allowances for contributions and retirement catch up, which can be found here. The calculation assumes a steady rate of return and does not account for market volatility, changes in tax laws, or other factors that could affect your actual savings. Facet is an SEC-registered investment adviser. This calculator is for information purposes only and is not intended to provide investment, legal, tax or accounting advice. The accuracy of this projection is not guaranteed nor is it necessarily applicable to your circumstances. All calculations are for information and illustrative purposes, and based on the user’s inputs at a point in time, and do not account for Facet membership fees, market fluctuations, or any other specific situations. This is not an offer to sell securities or the solicitation of an offer to purchase securities. 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
Explore our retirement library.
Should you really avoid IRMAA in retirement?
It is entirely natural to feel protective over the nest egg you spent decades building. When you are living on a fixed income, seeing a sudden increase in your monthly health insurance costs can feel like a setback. However, making decisions purely out of fear of a Medicare surcharge can accidentally cost you far more over your full retirement journey.
How much can you withdraw in retirement? Beyond the 4% rule.
A major question for those thinking about retirement is how much can I afford to draw from my account? This is a complex question, involving a lot of factors. There are some helpful basic guidelines or rules-of-thumb that could be a good place to start. However, these are usually too simplistic for most real-life situations. Here are some things to
What is a target-date fund and how does it work?
Planning for the future can sometimes feel like you’re trying to hit a moving target, especially when you’re balancing today’s needs with tomorrow’s dreams. It’s completely normal to want an investment strategy that feels secure and manageable without requiring you to watch the stock market every single day. We’re here to walk you through how target-date funds work so you
More than money: what does success in retirement actually look like?
Retirement can come with new and unexpected challenges that have nothing to do with your bank balance. Many retirees find themselves feeling unprepared for the next stage of life even after they’ve saved enough to meet every need. It’s completely normal to feel a bit of “now what?” energy as you move from a lifetime of labor to a lifetime
Is your portfolio truly ready for retirement? Moving beyond generic rules of thumb.
Transitioning from a steady paycheck to living off your life savings is one of the most significant, and potentially stressful, pivots you’ll ever make. There is a dizzying amount of conflicting “expert” advice out there, but for a lot of people, this just adds to the confusion. Between fluctuating market volatility and the nagging fear of outliving your nest egg,
The passive income trap: Why total return is a smarter strategy for 2025
For many investors the appeal of creating passive income from their portfolio is strong. The idea of generating a steady stream of cash flow from income-based investments is intuitively attractive. However, focusing too narrowly on income can often lead to unintended consequences, such as lower long-term growth and tax inefficiencies. A more effective approach for most is to focus on
