Finally, financial planning done right.
Expert advice from a CERTIFIED FINANCIAL PLANNER®. A personalized roadmap for life. One flat membership fee.
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. America’s Top Financial Advisory Firms 2025 was identified by Plant-A Insights Group in partnership with Newsweek. The analysis was performed on data as of September 2024. 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 11/11/25 (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.
What makes Facet different?
One simple, flat membership fee.
No hidden fees, product sales or commissions – just objective advice for one flat fee.
Advice you
can trust.
From a Certified Financial Planner® who understands your goals and sees the bigger picture beyond your investments.
Financial planning for all facets of life.
Your finances, all in one place.
A centralized dashboard shows a complete picture of your finances and tracks your progress towards your goals, giving you clarity so you can feel more confident in every financial move.
Trusted financial guidance, made for real life. See what your roadmap could look like.
What makes Facet different?
Trusted financial guidance, made for real life. See what your roadmap could look like.
One simple, flat membership fee.
No hidden fees, product sales or commissions - just objective advice for one flat fee.
Advice you
can trust.
From a Certified Financial Planner® who understands your goals and sees the bigger picture beyond your investments.
Financial planning for all facets of life.
Because every decision should be financially smart, we cover every aspect of your finances -- from taxes and investing to retirement, debt, education, equity comp, and more.
Your finances, all in one place.
A centralized dashboard shows a complete picture of your finances and tracks your progress towards your goals, giving you clarity so you can feel more confident in every financial move.
Your goals come first. Always.
Unlike most advisors whose fees grow with your money, ours don't. Facet does things differently. You pay one flat membership fee, no matter your income or portfolio size.
Why Facet?
For us, it’s simple. Financial planning should be for everyone.
- An affordable flat membership fee that won’t change even as your money grows.
- CFP® professionals who offer objective advice that puts your goals first, not ours.
- No minimum to get started, so you can build for the future now, whatever your finances look like.
- A comprehensive roadmap that integrates everything: your goals, your budget, your investments, and your future.
Traditional financial 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.
- May require a certain level of assets before they'll even talk with you.
- May focus on one area only, like investments, without a full picture of your finances.
Answer a few questions so we can advise you best.
You're in good company.
Over 24,000 members on the path to financial confidence.
*Testimonials were provided by current members of Facet Wealth, Inc. (“Facet”). 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.
Never make a financial decision alone again.
Life changes. With Facet, it's easy to get objective personalized financial guidance, so you feel confident at every turn. Here’s how it works:
1. Meet with a financial planner.
2. Build your personalized roadmap together.
3. Get support as you go.
Live the life you want.
Answer a few questions to book your free introduction call and see what Facet can do for you.
Frequently asked questions.
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?
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.