We’ve created a membership for every facet of your financial life.
Your experiences, goals, and values are unique.
Shouldn’t your financial planning be too?
There’s no one-size-fits all approach to planning, so why is that the norm? Whether your goal is early retirement, world travel, or everyday memories, we keep your priorities at the forefront of every financial decision.
The building blocks of your membership.
While each member’s experience is unique, we believe there are a few things essential to good financial planning.
Becoming a member is simple.
(As it should be.)
Choose your membership.
Our flat-fee memberships allow you to choose which option is best for your unique financial situation and goals.
Connect and get started.
Our CFP® professionals really get to know you and using cutting-edge technology, we’ll craft a roadmap to help you achieve the life you want.
Adapt as you go.
People, plans, and priorities change. That’s why, instead of a “set it and forget it” approach, your financial planning with Facet evolves as you do.
What to expect.
We’re committed to making our membership process as straightforward and transparent as possible—no surprises. So, let’s take a look at what your first year of membership looks like.
Getting to know you.
Gathering the facts
Upon joining, you’ll get a secure link where you can go through our seamless, intuitive onboarding experience to share all the data we need to build your plan.
Meet with a planner
On your first virtual meeting (with a real person, not an AI bot), a CFP® professional will work with you to understand your goals, concerns, and what a fulfilling life looks like for you.
Handcrafted scenarios
There’s always more than one way to get to where you want to go. That’s why, in addition to advice, your planner takes the time to create scenario options (or actionable plans) for you to choose from.
Time to take action
With your scenario decided (don’t worry, it can always change and evolve!), we provide the roadmap, actionable steps, and easy-to-use technology to help you take the first steps toward your goals.
More than guidance, we walk alongside you.
Monthly checkpoints
Each month, a planner will check in via messages to send reminders and action items that drive your plan forward and keep you on track. (TLDR: We’ll manage your to-do list for you!)
Easy-to-use tech platform and tools
We use a tech-driven approach and intuitive dashboard to make things simple, featuring automation, one-click actions, and direct message access to a CFP® professional.
Annual protection plan
Each year, a planner will provide personalized coverage recommendations (for things like insurance and estate planning) that can help keep you, your loved ones, and your assets protected.
Adapting (real time) and evolving (long term).
Flexible planning that adapts to your needs
Facet can provide guidance on choosing your benefits, allocating your 401k, and more*—helping ensure all aspects of your finances align with your ever-changing goals and circumstances.
Long-term planning that grows with you
Life changes (and that’s a good thing!) Whether you’re starting a family, buying a home, or starting a new job, we’ll help evolve your planning in real time.
Take the first step.
*Offerings and services depend on membership tiers.
Real members.
Real success stories.
We think working with our team of planners is a pretty incredible opportunity. But don’t just take our word for it.
Hanna P.
Chicago, IL
“Knowing we have someone we can ask questions to, keep us accountable, and explain many unknown financial territories to us - it's been a real gift.”
Isha A.
New York, NY
"My finances were not good... I was living paycheck to paycheck and feeling like I was barely surviving... Since having Facet, I don't feel that same stress anymore."
Isabella Z.
Denver, CO
“I had never worked with a financial advisor before, but Facet ... made the process of finding someone to help me such a smooth and pleasant process.”
Tom W.
Michigan
“We are so relieved that we made the decision to switch to Facet. Our stress level has decreased, our confidence level in our plan has increased and we are having fun planning our future.”
Testimonials were provided by current members of Facet ("Facet Wealth, Inc."). 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.
Facet and friends.
Every Facet membership unlocks exclusive partnerships and perks to help you achieve financial (and not financial) wellness.
Facet has service and promotional agreements with third parties to provide specific services or discounted offerings to Facet members. These third parties are not affiliates of Facet and Facet does not receive any cash compensation from any of these third parties or non-cash compensation for any referrals. For estate planning services, Facet uses Wealth. Any fee associated with those services is generally paid directly from Facet to Wealth. This material may contain data, links or other content from third-parties. Facet makes no warranties of any kind with regard to products or services provided by third party partners. Facet is not liable for any direct or indirect content, legal, technical or system issues, privacy or other consequences arising out of your access to or use of third party technologies or programs available through third party partners. All third party partner names, logos, and marks are used with permission and are the property of their respective owners.
Start putting your money to work toward the things you care about most.
Frequently asked
questions.
Why should I choose Facet?
In an industry saturated with fees, confusing jargon, and cookie-cutter solutions, Facet exists to make financial planning affordable, accessible, and personalized.
Affordable: With our flat-fee membership options and commission-free approach to investing, we’re helping you keep money in your pocket so you can spend it on the things that matter most to you.
Accessible: Financial planning can be complicated enough as it is, without all the fancy jargon and hard-to-understand processes. With knowledgeable, unbiased CFP® professionals, intuitive technology and ongoing support, we’re making financial planning simple. (As it should be.)
Personalized: There is no one-size-fits-all approach to planning because there is no such thing as a “standard client.” We take the time to understand our members’ individual needs, dreams and priorities to develop plans that help them achieve success by their unique definition of the word.
How much does Facet cost?
What is financial planning?
Financial planning is about setting goals, analyzing your current finances and creating strategies to achieve those goals. When you work with a financial planner, these strategies can include cash flow, debt, and investment management, as well as retirement, insurance, education, equity, and estate planning (and the list goes on.) Most importantly, financial planning with Facet is personal, making sure every goal and strategy is aligned with our members’ unique values and priorities.
I can do this myself, why do I need a financial planner?
What’s a fiduciary?
A fiduciary holds a legal and ethical relationship of trust with the person whom they’re serving. Therefore, a fiduciary is legally obligated to only make recommendations in the best interest of each person they are giving advice to. Like all SEC-registered firms, all of the CFP® professionals at Facet are fiduciaries on behalf of our members.
What happens if I want to cancel my membership?
All of Facet’s memberships are annual and non-refundable. If you choose to cancel your membership, you will be responsible for any outstanding balance, and will retain access to your planner and services for the remainder of the term.
Can my spouse or partner join under my membership or do they need one of their own?
You and your spouse or partner can use the same membership.
What fees does Facet charge for investment management?
There’s no additional cost for investment management, it’s included as part of your Core, Plus, or Complete membership. While we’ll never charge additional fees for managing your accounts, our custodians may charge fees that will be deducted from your account. You can view a full list of potential custodial costs under the “Investment management” section of our legal page.
How can Facet manage my investments as part of my membership when others charge a fee?
We’re able to include investment management as part of your Core, Plus, or Complete membership without charging additional fees because we believe in a transparent and member-centric approach to financial planning. While other investors raise fees when your portfolio grows (even if it is just because the market as a whole has gone up), we believe when you earn more, you should keep more.1 To us, managing a $100,000 portfolio isn’t much different than managing a $1,000,000 portfolio—so why would we make our members pay more? By structuring our services this way, we prioritize your financial well-being over transaction-based fees.
Based on an analysis by Facet, comparing a flat planning fee to a fee based on percentage of investment assets for members with investment accounts and calculating the difference in total fee payments over time. In this analysis, Facet used the same variables – investment balance, a set of ongoing contributions, annual return and underlying fund fees – and with those, calculated the difference between a $3,000 flat fee and a 1% AUM (assets under management fee) over a 10 year period of time. The analysis concluded that the flat fee approach generated significantly greater fee savings over time.
Still have questions?
We know it’s not realistic to answer every question on our website. If you can’t find the answer to your question here, please contact us - we’re here to help.