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The financial advisor you’ll actually use.

What’s the one thing about your finances that keeps you up at night?
My investment strategy.
What to do with extra cash.
My saving habits.
Literally everything.
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Finally, the financial planning membership you’ve been looking for.

Simple, flat membership fee.

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Whether you have $200k or $2M, our fee is based on the complexity of your life—not a percentage of your hard-earned savings.

Always CFP® Professionals.

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Many firms don’t require their advisors to be CFP®s, the highest level of certification. At Facet, every planner is a CERTIFIED FINANCIAL PLANNER®.

Financial advice for your life.

Roadmap checklist
We’ll help you with every financial decision, big or small—from investing and retirement planning to equity compensation.
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Everything your money touches, managed by Facet.

Financial planning Retirement planning Investing Estate planning Dream vacation Tax planning Portfolio rebalancing Insurance planning Financial planning Retirement planning Investing Estate planning Dream vacation Tax planning Portfolio rebalancing Insurance planning
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Don’t just take our word for it.

See why Facet is the new standard for simple, flat-fee financial planning.
Award: USA Today
Award: Trustpilot
“At Facet, you have unlimited messaging with the Facet team. They will check in with you monthly to make sure you’re staying on track.”

Tyler Gardner
Finance Educator (3M+ Followers)

“Facet recognized what was wrong with the AUM Model and did something about it. They’re making financial advice accessible to everybody.”

Ramit Sethi
Author & Host of “I Will Teach You to be Rich” Podcast

Award: BBB
Award: Nerdwallet

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.

Tyler Gardner and Ramit Sethi are not members of Facet, and have an incentive to endorse Facet as they have an ongoing fee-based contract for cash compensation, and Tyler has a percentage of equity in Facet, based on this endorsement. All opinions are their own and not a guarantee of a similar outcome.

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Your portfolio managed by experts

You’ll get a comprehensive roadmap for your entire life, from your daily investments to your long-term retirement goals.
  • Dynamic wealth management: Not static. Our team makes ongoing changes to evolve your portfolio with your life.
  • Daily monitoring: Hands-on oversight from our dedicated investment operations team.
  • Truly personalized: Built around your life and goals, personalized in the ways that matter most.
  • Total account strategy: Guidance for accounts you own, even those we don't manage, to keep your full strategy on track.
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Explore memberships
Tyler 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. Facet is a RIA with the SEC. All opinions are his own and not a guarantee of a similar outcome.

Facet is building the future of financial planing.

  • Flat membership fee: One transparent price for everything we do. No hidden fees, ever.
  • Always a CFP®: Partner with a team of board-certified pros for objective advice across your entire financial life.
  • Action on financial advice: We help you execute on every single piece of advice we offer.
  • Value for your money: Get expert help with taxes, insurance, estate planning, investing and more-all included.
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If your portfolio grows, a percentage-based advisor gets a raise. We think that’s broken.

We replaced expensive percentages with a flat membership fee so your hard-earned money stays in your pocket.

Total fees paid to advisor

Chart: Total Fees Paid To Advisor

Ending value of portfolio

See the Facet difference
*Based on a study conducted by Facet in May of 2024. A complete data set was reviewed for core recommendations made for each of Facet’s service levels. That data showed that the majority of Members achieved value greater than their planning fee. This value was shown to reoccur on an annual basis. Assumptions included average expenses and fees, using retirement tax savings, portfolio expenses, debt refinance, tax loss harvesting, and potential insurance premium savings as value drivers using Facet’s investment services, and discounting value to align with the acceptance of Facet recommendations. Facet has tiered pricing packages based on the individual service needs of the member. There is no separate or additional fee for investment management. This is not a guarantee or prediction of actual results for any member and results may vary by member. Some value like tax loss harvesting may vary year to year.

Real stories. Total confidence.

Facet’s financial planning is about more than just numbers on a screen-it’s about the peace of mind that comes with it.
Tailored actions and strategies
“Facet’s main value is the personalized strategies and actions to optimize investments and retirement.”

David

Worth it!

“When we got off the meeting, my husband said, “yeah, their worth the annual fee”.

Elisse

Impressed!
“My advisor was prepared, and had a very strong background in the field, and responded dynamically to our unique needs.”

JMB

10/10 – Would definitely recommend

“Clear objectives, excellent knowledge, friendly advice and explanations. Todd also checked for understanding along the way and made sure both of us were heard.”

Jeffrey

Appreciate that our planner listens well
“Appreciate that our planner, Nick, keeps track of our questions and addressed them completely, which instilled our confidence in his advice.”

Heather

*Testimonials were provided by current members of Facet. Jonathan, Elisse, David, JMB, Jeffrey, and Heather have not been paid for their testimonial and there are no material conflicts of interest that would affect the given testimonials. received a free membership for providing this testimonial. 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.

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Frequently asked questions.

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.

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.

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.

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.

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.