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.
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 — at no additional cost.
We don’t charge you more as your investment balances grow.
Our investment approach is based on Nobel Prize-winning research.
Exchange-traded funds (ETFs) are a natural fit in our portfolios and are hard to beat.
Minimize the impact taxes have on your money while maximizing the returns you keep.
Investment management.
You’ll work with your dedicated CFP® professional 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 a Facet membership works.
With Facet, you get your own CFP® professional and a team of financial experts across investments, taxes, benefits, and more. Our ongoing, dynamic strategies will evolve with you, so you never have to make a financial decision alone again.
Our flat-fee model mean no commissions — ever.
1×1 support from a CFP® professional, backed by a team of experts.
Secure, industry-leading technology to manage and organize your entire financial life in one place.
Exclusive partner offers that complement your financial outcomes.
“The combination of the tech platform that Facet provides and our planner has been great. It’s been great to be able to have a visual representation of all of our assets and our investments, and then having an individual there to ask questions if we don’t understand something. That was a luxury to say the least.”
Gizem Y & Antonio C
Rego Park, NY
“Facet has completely changed my outlook on how I handle my finances and my confidence in my financial stability and strength in the future. My planner and the team are incredible, and just as excited as I am about building a strong financial future for me.”
Steve E
Massachusetts
“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
Raleigh, NC
Testimonials were provided by current clients of Facet Wealth, Inc. ("Facet"). Clients 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 clients, and do not provide a guarantee of future performance success or similar services.
