Flat-fee financial planning · CFP® Professionals
See how much you might save without percentage-based fees.
Many advisors charge 1% of your portfolio every year. We charge one flat membership fee. Find out what that difference could look like for you over time.
26,000+ members
SEC-registered RIA
Sneak peek
What a flat fee might save you over 25 years.
See what you might save over time with Facet's flat-fee membership versus a percentage-based fee.
Important disclosure. This calculator is for illustrative purposes only and is not intended to be advice or any guarantee of results. The illustration solely highlights the impact of a flat fee versus a percentage based fee over time and is based primarily on the fee difference and deferring a set portion of income into investments each year. There are other factors (such as risk tolerance, portfolio allocation, portfolio construction, etc.) to consider in investing besides fees and an investment decision should be made with all of those factors considered. This tool is based on a fixed 25 year time horizon and the only variables in this tool are the income and asset levels that you choose and the corresponding fee. This tool uses an annual investment return assumption. The percentage fee used is 1% of the asset level selected and that 1% stays consistent over time. Some percentage based fee models may decrease the fee as assets increase. The flat fee amount used depends on the combination of income and assets, ranges from $2,600 – $8,700 and is increased by 2.5% every year. This tool only compares planning or advisory fees and does not include any underlying investment product fees, such as expense ratios, which could change the analysis although that assumption is consistently used throughout. The savings calculation made is simply the difference between the two fees over the 25 year time horizon.
Wonder how your plan really holds up?
See how your investments hold up across 5,000 market scenarios with a personalized analysis. It starts with a free intro call.
Why people choose Facet
Everything you need, all for one flat fee.
Everything your money touches handled by a team of experts — without a percentage of your portfolio.
One flat membership fee.
Whether you have $200K or $2M, your fee is based on the complexity of your life — not a percentage of your savings.
Always a CFP® professional.
Every Facet member has a team of CERTIFIED FINANCIAL PLANNER® professionals — the highest standard in our industry.
Advice for your whole life.
Investments, retirement, tax planning & filing, and so much more — everything your money touches, in one plan.
What's included
Everything your money touches, in one plan.
A traditional advisor might just cover investing. A Facet CFP® covers your full financial picture — and keeps adjusting it as life changes.
How it works
From a few questions to a full analysis.
Tell us about you
Share a few details about your goals, accounts, and current strategy, then schedule a free intro call with a Facet expert.
Meet with our team
Hop on a call so we can understand your full picture. If it makes sense, get a CIO-led Personalized Investment Analysis — a 5,000-scenario Monte Carlo with a side-by-side comparison to a Facet-managed version.
Start your Facet membership
If we're the right fit, you'll be paired with a team of CERTIFIED FINANCIAL PLANNER® and start putting your full plan into action — for one flat membership fee.
Ready to take the first step?
It starts with a quick conversation — no commitment, no pressure.
The Personalized Investment Analysis is a tool designed to compare a set of investment outcomes between a Facet investment model and one you provide. It is a Monte Carlo simulation that will model potential returns, based on past data, in thousands of simulated scenarios. It should be used for illustrative and educational purposes to provide insight into a potential range of outcomes and the potential risk of an investment approach. It is not investment, legal or tax advice or a recommendation of any kind, and you should consult a professional on those topics. No future returns or outcomes are guaranteed. Investing inherently involves risk and understanding these risks should be part of making any decisions.
Memberships
One flat membership.
Priced by the complexity of your life, not the size of your portfolio. Talk to a Facet expert to find the right fit.
Building momentum
Core
The planning and guidance you need to manage your finances and grow your money with confidence.
- Retirement & life planning
- Investment management
- Tax-savings strategies
- Savings & debt management
Most common
Plus
An elevated experience for more established households managing higher complexity and upcoming milestones.
- Everything in Core
- Advanced investing strategy access
- Tax prep & filing
- Employer stock & equity planning
Advanced households
Complete
Our premier one-stop shop providing comprehensive management of your entire financial life.
- Everything in Plus
- Comprehensive tax-saving strategy
- Professional tax filing
- Private market investing access
What you don't pay
- No percent of your portfolio to your advisor
- No per-hour billing
- No commissions on products
- No fee for ongoing questions
Not sure which membership fits?
Share a few details and our team will help you find the right tier.
Not just our opinion
Built on trust, with 26,000+ members and counting.
USA Today
A USA Today top-ranked financial advisory firm, year after year.
USA Today / Statista, 2025 & 2026 — based on an independent survey and AUM analysis.
Trustpilot
★★★★★ 4.8 from 3,000+ reviews.
As of October 2025.
BBB
A+ Accredited Business.
In business since 2016.
NerdWallet
★★★★★ 4.7 of 5 stars.
As of October 2025.
"My advisor was prepared, and had a very strong background in the field."
— JMB, Facet member
See what your portfolio could look like with Facet.
4.8★ on Trustpilot · Top financial advisory firm by USA Today · A+ BBB accredited.
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 ranked Facet #1 Best Financial Advisory Firm in April 2025 based on an independent survey and AUM analysis. Trustpilot rating as of 2/13/26 (may fluctuate); based on reviews since Jan 2022. BBB A+ Rating as of Oct 2025, 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.
JMB is a current Facet member and has not been paid for their testimonial and there are no material conflicts of interest that would affect the given testimonial. This may not be representative of the experiences of other members, and do not provide a guarantee of future performance success or similar services.
Questions
Common questions, straight answers.
What is financial planning?
Financial planning is an approach to managing your money that helps you build and protect wealth while working toward your goals. With a professional financial planner, you can create a personalized roadmap that covers all aspects of your financial life – from managing day-to-day expenses to investing for the long run.
While financial planning guidance might sound expensive, getting started won’t cost you an arm and a leg. We believe in flat-fee financial planning that gives you access to expert guidance without any hidden costs or commission-based sales pitches.
With Facet, you’ll work with experienced CFP® professionals who’ll guide you through everything from budgeting and investing to tax planning. Ready to take control of your finances?
Get started today with a plan tailored just for you.
Who needs financial planning?
Here’s the truth: financial planning isn’t just for the wealthy — it’s for anyone and everyone who wants to make smart decisions with their money. Whether you’re just starting your career, thinking about buying your first home, or exploring investing in real estate, having a financial advisor in your corner can help you understand and manage important money decisions with confidence.
Take our quick financial wellness quiz to see how a personalized financial roadmap could benefit you.
When should I start financial planning?
The best time to start financial planning is now! Life moves quickly, and a solid financial roadmap helps you prepare for expected milestones and unexpected changes. The earlier you start, the more time your money has to grow and work for you.
Whether you’re in your first job or established in your career, each stage of life brings unique opportunities to grow and protect what matters to you. Starting early gives you more flexibility to adjust your strategy as life evolves, whether that means saving for a down payment, planning for a growing family, or working toward financial peace of mind.
Plus, getting started sooner means you’ll have a trusted advisor by your side during major life decisions — like negotiating a job offer, understanding your equity, or figuring out the smartest way to pay for a wedding. Our financial planning services help you stay on track through all of life’s twists and turns, not just the ones you can see coming.
Check out our investment philosophy to learn how we approach long-term wealth building.
Can a financial advisor help me prepare for retirement?
While retirement planning is a crucial part of what we do, working with a financial advisor goes way beyond just planning for your golden years.
Our approach touches every facet of your financial life — from maximizing your employee benefits to managing student loans, creating tax-efficient investment strategies, and building generational wealth. Our CFP® professionals work with you to create a comprehensive roadmap that adapts as your life evolves.
What's the difference between a traditional financial advisor and an online financial advisor?
Traditional financial advisors often require in-person meetings during limited office hours and typically charge a percentage of your investments. An online financial advisor, on the other hand, offers modern convenience with the same expert guidance.
At Facet, you’ll work with CFP® professionals — the highest certification in the industry — who are available when and where you need them through unlimited messaging and virtual meetings.
Plus, our transparent pricing means you’ll never wonder if your advisor recommends investments based on commissions rather than your best interests.
Take the first step
It starts with one call.
An intro call is how you'll find out if Facet is a fit for your goals. It's also the first step toward a free Personalized Investment Analysis from our CIO.
Free, no obligation
A relaxed conversation to see if Facet is right for you.
Talk to a Facet expert
They'll walk you through our membership options and the services included at each level.
Walk away with clarity
A clear next step, plus your free Personalized Investment Analysis if it's a fit.