Your fresh start begins today.
Overcome financial stress and start building a strong foundation to live the life you want. Take the first step with a Facet Foundations membership.
Can you send over the quotes provided to you and we’ll see how they fit into your roadmap.
I have an unexpected vet bill. How should I handle this?
Fix your finances.
Change your life.
Join more than 20,000 members and break free from financial stress with a Facet Foundations membership.
Life is stressful enough.
Managing your money doesn’t have to be.
Here’s what you can expect in your Facet Foundations membership.
Get your personalized roadmap.
We’ll look at your situation, debt, and goals to create a personalized roadmap based on our 6 Foundational Pillars for financial wellness.
Easy-to-follow steps to stay on track.
We take your roadmap and break it down into simple steps delivered each month. That way, you’ll feel confident knowing you’re doing the right thing with your money.
Expert guidance when you need it.
Never make a money decision alone with your team of CERTIFIED FINANCIAL PLANNER® professionals, just a message away when you need them.*
I just got a new job with a higher salary. How can I pay off my debt faster?
Congrats! Let’s update your roadmap and see how soon we can get that debt paid off.
How it works.
Simple, personalized, and effective—as it should be.
Learning about you and uncovering quick money wins.
We’ll learn about you, your money mindset, habits, and goals. Then we’ll uncover quick wins to improve your finances starting today.
Building your strong financial foundation, together.
We’ll give you a personalized, evolving roadmap and check in monthly with step-by-step action items to help you stay on track.
Voila! Your foundation is built. Now what?
Before you know it, you’ll have built a strong financial foundation. Then, we’ll work together to decide what’s next, and how Facet can get you there!
Facet’s 6 Foundational Pillars for financial wellness.
These are the building blocks of your roadmap that drive each step you take to help you regain control of your money.
Understanding you and how your mindset impacts your money.
- Together, we’ll uncover your ideas and beliefs around money.
- Using this knowledge, we can help find opportunities for growth.
Getting more out of the money you have.
- Stop paying unnecessary fees on your accounts.
- Take advantage of a high-yield account to earn more.
Reducing your debt.
- We’ll look for refinancing and consolidation options to help you pay off debt sooner.
- Receive month-by-month guidance on how much to put toward your loans.
- Get a credit report analysis and guidance to increase your score and lower rates.
Gaining control of your spending.
- Look at your monthly expenses and find areas to save that align with your priorities.
- Learn how to build good spending habits, based on what you value.
- Stay ahead of bills and expenses with a safety net.
Build a safety net.
- Invest in an emergency fund to be prepared for life’s surprises.
- Protect what you own with estate planning and insurance.
Unlocking value from your employer’s benefits plan.
- Learn how to get the most from your 401(k), HSA, and other benefits.
- Explore options for allocating investments through your employer plans.
We’re here with you,
every step of the way.
Start putting your money to work toward the things you care about most.
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, unbiased 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 client.” 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.
How much does Facet cost?
What is financial planning?
Financial planning is about setting goals, analyzing your current finances and creating strategies to achieve those goals. When you work with a financial planner, these strategies can include cash flow, debt, and investment management, as well as retirement, insurance, education, equity, and estate planning (and the list goes on.) Most importantly, financial planning with Facet is personal, making sure every goal and strategy is aligned with our members’ unique values and priorities.
I can do this myself, why do I need a financial planner?
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 one of their own?
You and your spouse or partner can use the same membership.
What fees does Facet charge for investment management?
There’s no additional cost for investment management, it’s included as part of your Core, Plus, or Complete membership. While we’ll never charge additional fees for managing your accounts, our custodians 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.
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 without charging additional fees because we believe in a transparent and member-centric approach to financial planning. While other investors raise fees when your portfolio grows (even if it is just because the market as a whole has gone up), we believe when you earn more, you should keep more.1 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.
Based on an analysis by Facet, comparing a flat planning fee to a fee based on percentage of investment assets for members with investment accounts and calculating the difference in total fee payments over time. In this analysis, Facet used the same variables – investment balance, a set of ongoing contributions, annual return and underlying fund fees – and with those, calculated the difference between a $3,000 flat fee and a 1% AUM (assets under management fee) over a 10 year period of time. The analysis concluded that the flat fee approach generated significantly greater fee savings over time.