Family financial planning: A guide for life’s most important moments.
Since your family is one-of-a-kind, your plan should be tailored specifically to your own needs. Whether you’re getting married or divorced, starting a family, caring for aging parents, or even considering making a big family purchase, Facet’s team of experts will help guide you to make the right financial decisions.
When “life” happens, you’ll be ready.
We get it, change can be difficult, especially if it’s something new. But change can be a good thing. When handled properly, it can spur new growth and development in your life. Facet’s team of experts is here to help prepare you for any milestone you and your family encounter.
Having a baby
Worry-free planning for your new bundle of joy.
- Discover your monthly costs
- Take advantage of tax credits
- Prepare for unexpected expenses
- Set up an emergency fund
- Get proper insurance
- Plan for education expenses
Marriage
Live a harmonious financial life with your spouse or partner.
- Learn how to talk about finances with your partner
- Discover each other’s money attitudes
- Align goals
- Balance financial responsibilities
- Set up joint accounts
Divorce
We’re here to help get you through this difficult time.
- Assemble your team of experts
- Gather pertinent documents and information
- Ensure proper asset allocation per the divorce decree
- Identify personal property
- Organize legal documents
Caring for aging parents
Be there for your parents when they need you the most.
- Discover how much your parent’s eldercare will cost
- Learn how to cope with potential emotional impacts and properly communicate with your family
- Create a financial plan for future care
Making a big purchase
Seek guidance before making major family financial decisions.
- Learn whether to rent or buy a house or car
- Weigh the financial pros and cons of renovating your home
- Take that dream vacation
- Pay for a child’s wedding
How a Facet memberships work.
Our flat-fee model means no commissions.
Support from a team of CFP® professionals and experts.
Secure, industry-leading technology to manage and organize your entire financial life in one place.
Exclusive partner offers that complement your financial outcomes.

Antonio & Gimez T
New York
“After taking the time to get to know my goals and personality, Facet matched me with an advisor… Not only is [my CFP®] willing to discuss my own finances, she takes the time to answer any questions I have about the world of finance more generally, and I come out of each meeting having learned something new. I highly recommend Facet Wealth to anyone looking for financial advice.”
Isabella Z
Massachusetts
“Facet has completely changed my outlook on how I handle my finances and my confidence in my financial stability and strength in the future. My planner and the team are incredible, and just as excited as I am about building a strong financial future for me.”
Steve E
Massachusetts
“The fee structure is probably the other biggest thing that sent me to Facet and it’s made me very happy with Facet. It puts us at an equal footing with anybody else. It’s not about how much money I have managed by Facet. It’s about us as a client…and as we grow our finances, the attention we get is not gonna change. We’re still a client paying for our Facet services with a fee structure that supports us as just a couple, not as a set of assets.”
Sarah & Michael D
North Carolina





Frequently asked questions.
What is family financial planning?
Family financial planning helps you create a roadmap that adapts as your family grows and changes. Think of it as your family’s money game plan — it covers everything from day-to-day budgeting to long-term wealth building, all tailored to your unique family situation.
At Facet, we understand that managing family finances isn’t a one-size-fits-all process. Our approach to financial planning for families focuses on what matters most to you, whether that’s saving for a house, a new baby, getting married or divorced, or caring for an aging parent.
Ready to take the first step? Get started with a personalized consultation.
What are the benefits of financial planning for families?
A solid family financial planning strategy helps you confidently deal with expected and unexpected life changes. Here’s what working with a dedicated financial planner can do for your family:
- Create a clear spending and saving strategy that matches your family’s values and goals
- Help you make decisions about insurance coverage and protection for your loved ones
- Guide you through important financial decisions around raising a child or caring for aging parents
- Provide expert guidance on education planning and estate planning to secure your family’s future
Want to see where you stand? Take our financial wellness quiz to get a snapshot of your current financial health.
How much should my family have in an emergency fund?
While the standard advice is to save 3-6 months of expenses, we believe your emergency fund should reflect your family’s specific circumstances. Consider factors like:
- Number of income earners in your household
- Job stability and industry
- Health considerations
- Size of your family
- Monthly fixed expenses
Our advisors can help you determine the right emergency fund size based on your unique situation and incorporate it into your broader financial planning strategy. Learn more about our investment philosophy and how we approach family financial planning services.
Do you help with planning for major life events?
Absolutely! Whether you’re preparing for a new baby, buying a home, or helping your parents transition to retirement, we’re here to help you manage these significant milestones.
Our experienced CFP® professionals specialize in breaking down complex financial decisions into manageable steps, ensuring you feel confident about each choice along the way.
Can you help us save for multiple goals at the same time?
Yes! We excel at helping families balance multiple financial priorities. Whether you’re trying to save for a down payment while building your emergency fund or juggling retirement savings with college funds, we’ll help you create a roadmap that works for all your goals.
We’ll help you:
- Prioritize your goals based on timeline and importance
- Determine how much to allocate toward each goal
- Choose the right accounts and investment strategies for each objective
- Track your progress and adjust as needed
Remember, successful family financial planning isn’t about choosing between goals — it’s about creating a balance that helps you work toward all of them. We can help you develop a customized plan for your family’s unique needs and aspirations.