Finally, an investment advisor on your side.
When it comes to investing, what’s most on your mind?
Your portfolio managed by experts
- Dynamic wealth management: We make ongoing changes to evolve your portfolio with your life.
- Daily monitoring: Hands-on daily oversight from our investment operations team.
- Truly personalized: Built around your life, personalized in the ways that matter most.
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Total account strategy: Guidance for every account
you own, even those we don't manage.
How our philosophy makes us different.
- Flat membership fee: We charge a flat membership fee. You don't have to worry about commissions or hidden fees.
- Research backed strategy: We use time tested strategies based on Nobel Prize-winning* research to achieve market returns, with the lowest fees possible.
- CFP® Professionals: Every single advisor has one of the highest levels of certification in the financial industry.
- Included optimization: Investing, tax-loss harvesting, and portfolio rebalancing are all included in your membership.
- Human-led investment management: We use advanced technology, but a real expert is always in the driver's seat.
Traditional financial advisors
- Commission-driven: Could be incentivized by fees because they make money based on how much they manage.
- Timing the market: Your advisor might try to beat the market, which often underperforms due to the inherent difficulty in consistently predicting market trends.**
- Inconsistent support: Might give you an advisor who isn't a CFP® professional, or give you a 1-800 number to call with questions.
- Rising costs: Might offer portfolio rebalancing and give you advice on tax-loss harvesting, but you might pay more as your money grows.
- Outdated or tech-only: Can be tech-focused, with little human interaction, or human-focused with little tech infrastructure.
*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.
**Source linked here.
Recent investment returns.
We go beyond investing to manage your entire financial life. Your portfolio works in unison with your goals, cash flow, and tax savings. Use the interactive tool below to see different returns over time.
This Facet interactive investment analysis tool provides modeled portfolio performance for selected time frames and asset allocations, and is based on ETFs used in current Facet investment models. The outcomes shown should be considered hypothetical in nature, as they do not represent results achieved in client portfolios. Rather, the tool produces simulations and statistical analysis to show potential various investment outcomes if certain factors are changed. Each asset allocation model in the tool is based on ETFs that represent segments of domestic equity, international equity and fixed income investments. The start date for since inception performance starts on 12/31/2018. While this investment analysis tool is model performance, this date does align with the date that Facet uses for the start date of actual member portfolios. The performance shown in the analysis tool is the cumulative return for the time frame selected and the average annual performance, calculated as a compounded growth rate, for that specific period.
It is assumed and modeled that these portfolios would be rebalanced quarterly to ensure that they were aligned to the targeted model and assumes that all dividends are reinvested. Certain strategies, such as tax-loss harvesting, are not considered in these simulated returns. In addition, the results shown are net of underlying investment fees (expense ratios) but do not consider or include any other fees such as Facet’s planning or membership fees. If those fees were considered, the outcomes shown would yield lower returns.
All results are shown as of the close of the prior market close. Individual performance results could vary over time and there is always risk, including the depreciation of capital, with investing. In addition, past performance does not guarantee future results.
The asset allocation options available in the tool represent what options most Facet members choose for their investments. In addition, the choice of taxable versus non-taxable investments represents a difference in portfolios for each type of account. Given the tax treatment of each type of account, different underlying ETFs are used in the calculations. For example, any fixed income investment in municipal securities would not be included in the non-taxable selection.
This interactive tool provides a finite set of investment types and asset allocations. There are many other investment approaches that could provide different results in terms of both return and risk tolerance. They are not shown here as these simulated results are intended to reflect a typical investment through Facet based on Facet’s investment philosophy (link) and should be viewed as an educational tool for its users to evaluate the potential risks and returns of different investment choices.
Your goals aren’t ordinary. Your portfolio shouldn't be either.
Facet’s core portfolios include a diversified mix of stocks and bonds. We prefer low-cost, low-tax Exchange-Traded Funds (ETFs), aiming to optimize the risk/reward for the current environment.
Example Facet retirement portfolio
Stocks
Bonds
Here is an example portfolio assuming a member investing for retirement in an IRA account and an average risk tolerance. The weightings are a sample only and are subject to change at any time.
Your actual weightings will likely be different depending on your personal investment goals, your risk tolerance, and tax circumstances.
The sample was provided December 31, 2025 and may have changed since that time.
Sophisticated investing strategies, made simple and managed for you.
Direct indexing
- Rapidly diversify your portfolio faster and more tax-efficiently.
- Reduce your tax bill with automated harvesting.
- Precision-built for your concentrated holdings.
Alternative Income
- Access private income streams from a wider range of assets.
- Unlock exclusive funds usually reserved for registered advisors.
- Diversify into powerful markets beyond traditional stocks.
Don’t just take our word for it.
See why Facet is the new standard for financial planning.
Tyler Gardner
Finance Educator (3M+ Followers)
Ramit Sethi
Author & Host of “I Will Teach You to be Rich” Podcast
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. 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 2/13/26 (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.
Tyler Gardner and Ramit Sethi are not members of Facet, and have an incentive to endorse Facet as they have an ongoing fee-based contract for cash compensation, and Tyler has a percentage of equity in Facet, based on this endorsement. All opinions are their own and not a guarantee of a similar outcome.
Everything your money touches, managed by Facet.
Real stories. Total confidence.
Facet’s financial planning is about more than just numbers on a screen – it’s about the peace of mind that comes with it.
*Testimonials were provided by current members of Facet. Jonathan, Elisse, David, JMB, Jeffrey, and Heather have not been paid for their testimonial and there are no material conflicts of interest that would affect the given testimonials. received a free membership for providing this testimonial. 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.
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 investment advisors, who are CFP® (certified financial planner) professionals, 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 philosophy 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.