Investing:When you make more, you keep more.*
Most advisors charge you a percentage of the amount you invest. They’re incentivized to get you to invest more money, not prioritize what matters most to you. And when you make more, you pay more. Our flat fee is tailored to your needs, not tied to your investments.
It’s simple: At Facet, when you make more, you keep more. *
* This statement is based on an analysis by Facet comparing a flat planning fee, like the one Facet charges, to a fee based on a percentage of the assets invested (AUM fee) over a ten year time frame. The analysis compared the total fees paid over that time and the impact to investment balances. It was found that the flat fee approach was more beneficial in generating a greater investment balance while paying lower overall fees. The analysis used the same set of variables (starting balance, rate of return, underlying investment expenses, etc.) in the comparison and used a 1% AUM fee and $3,300 flat fee.
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Our practical approach to investing.
Your investment strategy should be linked to an ongoing financial planning approach that covers your entire life. Because this is central to what we believe, we manage money for our members as an integrated part of our subscription-based planning relationship.
Our investment approach is based on Nobel Prize-winning research.*
Minimize the impact taxes have on your money while maximizing the returns you keep.
*This includes William Sharpe, Harry Markowitz, and Merton Miller, who shared the Nobel Prize in Economics in 1990 for their foundational work on asset allocation, performance measurement, and the importance of market returns. It also includes research from Eugene Fama, who won the prize 2013 for his work on market efficiency.
Investment management.
You’ll work with a team of CFP® professionals to create an investment strategy that covers every facet of your life.
Portfolio monitoring and regular reviews.
Stay consistent with any major lifestyle changes you may have experienced.
Proactive portfolio rebalancing.
Ensure appropriate risk levels.
Tax loss harvesting.
Lower your overall taxable income, add balance to your portfolio, and possibly present additional lifestyle options.
Security selection.
Our investment committee continually audits and reviews alternative options for our members, ensuring they have the best possible portfolios for their needs. Exchange-traded funds (ETFs) are a natural fit for our portfolios.
The benefits of ETFs.
The average expense ratio* for an actively managed mutual fund is between .5% and 1.0%. At Facet, our average ETF portfolio expense ratio is .08%.
Even though many mutual funds strive to beat their defined benchmarks, most don’t. As a result, ETFs, which mirror the market, may provide better performance over time.
ETFs are very tax efficient (especially compared to mutual funds). We look for select funds with low turnover (trading), which have the benefit of being the most tax efficient.
How Facet memberships work.
Our flat-fee membership model means no commissions
Support from a team of CFP® professionals and experts.
Secure, industry-leading technology to manage and organize your entire financial life in one place.
Exclusive partner offers that complement your financial outcomes.
“We feel more empowered navigating our finances, more than we ever have. Facet’s dashboard keeps us organized and gives us a clear understanding of where we’re tracking with our goals, budget, and more. Very user friendly.”
Hanna
New York
Alyssa
“I’ve always just sort of felt really uncomfortable with like opening bills, looking at my bank account, and I end up just kind of ignoring the problem until it gets problematic. With Facet it has been such a relief for me”
Jonathan
“The fee structure is probably the other biggest thing that sent me to Facet and it’s made me very happy with Facet. It puts us at an equal footing with anybody else. It’s not about how much money I have managed by Facet. It’s about us as a client…and as we grow our finances, the attention we get is not gonna change. We’re still a client paying for our Facet services with a fee structure that supports us as just a couple, not as a set of assets.”
Sarah & Michael D
North Carolina
Frequently asked questions.
What does an investment advisor do?
An investment advisor helps you decide how to put your money to work. They take the time to understand your financial situation and goals, creating a personalized roadmap to help grow your wealth over time. While some advisors concentrate on investments, others provide a broader, more holistic approach.
At Facet, our CFP® professionals and registered investment advisors work together to look at your whole financial picture. They’ll help create an investment strategy that fits your life and goals while considering important factors like taxes, risk tolerance, and timeline. Our investment philosophy centers on evidence-based strategies that put your interests first.
How much money do I need to start investing?
Here’s the great news – you don’t need a huge sum to begin investing! While many traditional investment advisor services require tens of thousands of dollars or more in assets (like savings, stocks, and real estate) just to get started, Facet has no minimum asset requirement because everyone deserves access to professional financial guidance, regardless of their account balance.
Whether you’re starting with $100 or $100,000, what matters most is taking that first step.
Ready to explore how we can help? Get started with a quick chat to learn more about our approach.
When should I start investing?
The simple answer? As soon as possible! Time is one of your biggest advantages when it comes to investing. The earlier you start, even with small amounts, the more time your money has to grow through compound interest.
Think of it this way: Every year you wait is a year of potential growth you can’t get back.
Not sure where you stand financially? Take our financial wellness quiz to better understand your current situation and next steps.
What is investment diversification, and why is it important?
Diversifying your investments means spreading your investments across different types of assets – stocks, bonds, real estate investing, and more – to help reduce risk while potentially improving returns.
A well-diversified investment strategy helps protect you from the ups and downs of any single investment. When one area of your portfolio isn’t performing well, another might be thriving.
What's the difference between active and passive investing?
Active investing is where you try to beat the market by regularly buying and selling assets. This type of investing can be exciting but often leads to higher fees and doesn’t consistently outperform the market over time.
On the other hand, passive investing takes a more steady approach. Instead of trying to time the market, passive investors typically buy and hold diverse investments that track market indexes. This strategy often results in lower fees and has historically provided reliable returns over the long term.
At Facet, our investment advisor service combines the best of both worlds. We use evidence-based strategies to help you build a portfolio that aligns with your goals, whether you’re looking to plan for retirement or save for a down payment. We keep our membership cost fixed while ensuring your investment strategy stays on track through regular reviews and rebalancing.
Remember, investing doesn’t have to be complicated or intimidating. With the right guidance and a clear strategy, you can build a portfolio that works toward your goals while helping you sleep better at night.
*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.