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Career Changes
Resources for everything from navigating open enrollment to starting a side hustle. View
Financial planning & wellness
Get guidance on budgeting, saving, and building a plan that supports your full life — not just retirement.
What is an emergency fund?
An emergency fund is designed to be a safety net for “surprise” expenses. Learn more about what it is and why it is important.
A year-end financial checklist: 2024 complete guide
Critical financial moves to make by year-end to help you save on taxes this year and enjoy a more financially successful 2024.
How lower interest rates affect your money and what you should do now
The Federal reserve just lowered interest rates for the first time since early 2022, and all signs point to additional interest rate cuts in the months ahead. But how low will they go? More importantly, what do lower interest rates mean for your money and what actions, if any, should you be taking today? With plenty of opinions circulating in
Why everyone needs an estate plan
Imagine what would happen if you, or someone you love, gets hurt, sick, or even worse, if there’s an unexpected loss of life? Now imagine how you’ll feel when you know that you’ve put a plan in place to make sure that you, everything you work so hard for, and the people you care about most will be OK no
Open Enrollment Guide: How to Choose the Right Benefits
Your once-a-year opportunity to analyze your benefits and make the choices that will be best for the coming year.
Dual Power of Attorney Explained: Benefits & Key Considerations
Discover the benefits and precautions of creating a dual power of attorney to protect your health and financial affairs, with tips on designating agents and monitoring their actions.
Navigate your finances confidently with a team of experts guiding you every step of the way.
Investing
Find articles to support your investing goals, including short and long-term strategies.
Stock market 101: A beginner’s guide
What is the stock market? What are stocks? How do stocks fit into your overall financial plan? Here are some answers.
Fed holds rates amid tariff inflation & Trump pressure
The Federal Reserve made no changes to its interest rate target during the May 7 meeting, as was widely expected. This meeting comes at a difficult time for the Fed. The economy seems to be slowing, but tariffs are very likely to deliver a bout of inflation this summer. Meanwhile, President Donald Trump is putting public pressure on the Fed
Q1 2025 Performance Review: US stocks correct, bonds rally amidst policy shifts
It was a tumultuous quarter for markets, with stocks falling amidst uncertainty around tariffs and other of President Donald Trump’s policies. Here are our thoughts on what happened during the quarter, how Facet portfolios fared, and what we see for markets in the coming months.
FDIC protection and SIPC coverage: How safe are your deposits and investments?
You are probably aware that the government protects your deposits at your bank through something called the FDIC. However we get a lot of questions about the details: How does the protection work exactly? Who pays for it? Does this protection extend to my investment accounts? Could President Donald Trump make changes to FDIC insurance? Here we’re going to cover
Tax-loss harvesting explained: A simple way to pay less taxes
Tax-loss harvesting is a great way to reduce some of the tax burden that comes with investing. However, if not done carefully, it can wind up costing you more than the tax savings. Here we discuss how it works and ways to avoid common mistakes.
Could stocks be set to decline in 2025?
Could a surprise recession, new White House policies, or a bursting AI bubble cause a bear market in 2025? While we can’t know the future, there are some ways Facet is playing defense against these risks.
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.
Retirement
Explore smart ways to prepare for retirement — on your terms, with confidence and clarity.
Backdoor Roth IRA: What it is and how to do it
Learn what a backdoor Roth IRA is, how it works, and what you need to know to determine if this strategy is right for you.
The Mega Backdoor Roth 401(k): A supercharged retirement strategy
A Mega Backdoor Roth 401(k) is a strategy that can boost your retirement contribution up to $69,000 a year—all through a “backdoor” approach that works around the restrictions of Roth accounts. Instead of contributing directly to a Roth, you can contribute to your 401(k) and then convert it to a Roth 401(k), regardless of your MAGI (Modified Adjusted Gross Income).
Streamline your savings: A simplified guide to consolidate 401(k) accounts
You’ve likely considered merging your retirement accounts before but never followed through. Here’s why it might be a good idea, and how to do it.
The 4 percent rule in retirement: Is this withdrawal strategy still reliable or outdated?
Is the 4% rule still the gold standard for retirement withdrawal strategies? Find out if its a reliable retirement income method and discover alternatives.
Roth Conversions for Retirees: Tax Benefits & Strategies
A Roth IRA conversion in retirement? Sometimes it’s never too late to make a change. Learn if it makes sense for you.
Rule of 55: How to Access Your 401(k) Early Without Penalty
Discover how the rule of 55 can allow you to access your retirement savings penalty-free at age 55. Learn about its pros and cons, considerations, and alternative options for early withdrawals.
See how good it can get with Facet as your financial guide.