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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.
Financial planning for every facet of your life.
It makes all the difference.
Unbiased advice you can trust from a CERTIFIED FINANCIAL PLANNER™ professional.
How Facet stands out
- Flat-fee planning memberships that don’t change based on how much you invest and earn.
- Unbiased advice that's always commission-free.
- No minimums—get started no matter where your finances are.
Traditional advisors
- Charge you by the hour or collect fees based on how much you invest.
- Work on commissions, which might not line up with your priorities.
- Require $100k or more in assets before they’ll even talk with you.
Complete, flexible planning that’s personalized for you.
How Facet stands out
- A financial roadmap, laid out just for you, that adapts as your life changes.
- Complete planning for retirement, a home, investments, and more.
- Guided steps, regular check-ins, and messaging keep you on track.
Traditional advisors
- Rigid, one-size-fits-all plans that don’t see your big picture.
- Typically a narrow focus on investing for retirement only.
- Tough to get on their calendar, and meetings only during business hours.
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.
Testimonials were provided by current members of Facet (“Facet Wealth, Inc.”). 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.
Financial planning for all facets of your life.
Investing*
- Goal-aligned investment strategy
- Risk assessment
- Tax loss harvesting
- Employer plan portfolio guidance (401k, HSA, etc.)
Retirement & life
- Goal and income assessment
- Savings and investment planning
- Tax-advantaged contributions & withdrawals
- Ongoing planning pre and post-retirement
Tax planning*
- Tax reduction strategy
- Tax-efficient education savings
- Last year’s tax return missed opportunity analysis
- Personalized Roth conversion & more
Estate planning**
- Estate planning education and guidance
- Full suite of state-optimized documents
- Last will & testament
Equity compensation*
- Equity award planning (optimal exercise & tax plan)
- Company stock plan guidance (RSUs, ISOs, etc.)
- Annual access to equity comp specialist
Family planning
- Having a baby
- Marriage
- Divorce
- Caring for aging parents
- Making a big purchase
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
Employee Benefits*
- Grow with your career
- 401(k)s, IRAs, profit-sharing, ESOPs, and more
- Health, disability, life insurance and more
*Facet’s services vary depending upon the chosen service level.
**Estate Planning services provided by wealth.com, the fee is non-refundable and covers their services. Facet is not an attorney and does not provide tax or legal advice or directly prepare legal documents. Tax laws and regulations are complex and subject to change. Consult with an attorney or tax professional regarding your specific situation. Wealth.com is a separate membership service that automatically renews for Complete members as part of your Facet membership renewal. For Core and Plus members, Wealth.com automatically renews for a $300 annual fee unless this service is canceled prior to renewal.
Featured in
Hear from industry experts.
Ramit Sethi
Host of Netflix’s “How To Get Rich” & Host of the I Will Teach You To Be Rich Podcast
“Facet recognized what was wrong with the AUM Model and did something about it. They’re making financial advice accessible to everybody.”
Tyler Gardner
Former Portfolio Manager, 20+ Years in Professional Education
Ramit Sethi is not a member of Facet, and has an incentive to endorse Facet as he has an ongoing fee based contract for cash compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.
Tyler Gardner is not a member of Facet, and has an incentive to endorse Facet as he has an ongoing fee based contract for cash compensation, as well as a percentage of equity in Facet, based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.
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 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.