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INTRODUCTORY OFFER: Planning and tax filing together to help you save more on taxes. Up to $500 off until 9/14.*

Hi there, I'm Laura.

Here at Facet, we believe that financial planning should be personalized to your unique situation, goals, and priorities.

So, let’s get to know one another a little better!

How do you currently manage your finances?(Required)

I manage them on my own.

I work with a financial professional.

And how comfortable are you managing your own finances?(Required)

I do my research so I feel like I’m pretty good at it.

I’m getting by but I still need some help.

I’m feeling anxious and need help right now.

You’re not alone.

As of 2023, only 37% of Americans work with a financial planner.

Source: PR Newswire Two-Thirds of Americans Say Their Financial Planning Needs Improvement.

But why is that?

We use mechanics to fix our cars, doctors to address our health concerns, and professors to teach complicated subjects. So why don’t 63% of Americans get help with their finances?

Source: PR Newswire Two-Thirds of Americans Say Their Financial Planning Needs Improvement.

Oftentimes it’s because financial planners just aren’t accessible.

The “money experts” only focus on people with lots of money (so they can turn it into more money). See the problem?

Now don’t get us wrong, having lots of money can be great.

But at Facet, we take it one step further to ask "what do you want to do with your money."

We personalize our planning to help you live the life you want. And we make it accessible with our affordable, flat-fee memberships.

And we don’t just help you with long-term planning or investments.

We can help you with everything money touches, starting today.

So whether you’re starting a new job, a family, or your dream retirement, we’re here to help every step of the way.

So, how do we do it?

Our team of CFP^® professionals and experts, paired with our proprietary technology, combine the best of both worlds: a real, human experience and innovative, ever-optimizing tech.

The result? Truly personalized planning and actionable advice to help you live the life you want, whatever that may look like.

But don’t just take my word for it.

"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."

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.

Did you know that people who actively manage their own finances spend about 328 hours per year DIYing their investments and finances?

That's like watching the movie Titanic 101 times... every year.

Source: Bureau of Labor Statistics (2023) American Time Use Survey.

By joining Facet, you not only get your time back, but you also get access to personalized, expert investment management.

But what does that really mean?

All of your investments are tied to your goals.

We’re not just accumulating money, we’re using your portfolio to help you live the life you want.

We do the heavy lifting.

To keep your portfolio working for you, we'll help with rebalancing, tax-loss harvesting, diversification, and more.

Your portfolio isn't static.

Our Chief Investment Officer, Tom, is constantly monitoring market conditions for new risks and opportunities, and we’ll make adjustments for you as needed.

Let's talk pricing.

We don’t charge extra fees or earn commission to manage your investments—it’s included in your membership at no additional cost.

Yep...no hidden fees—just results.

Speaking of results...

We’ll just show you the numbers and let you see for yourself.

	One year	Three years	Five years
Facet 100% equity	6.15%	7.72%	16.74%
Benchmark	6.29%	6.36%	14.87%
Difference	-0.13%	1.36%	1.87%
Facet 70/30	5.94%	5.64%	11.65%
Benchmark	5.95%	4.71%	10.24%
Difference	-0.01%	0.93%	1.41%

All returns as of 3/31/2025. Portfolios shown represent two of Facet's mostly commonly held portfolios: 100% equity and 70% equity/30% fixed income. Inception date for Facet portfolios is 12/31/2018. Given this, Facet only has performance for the periods shown and performance results are limited to those time frames. All Facet portfolios are composed of ETF's. Past performance is not indicative of nor a guarantee of future performance. Facet uses the benchmarks described below to assess the relative performance of the equity and fixed income portfolios.

Benchmark disclosure: The Morningstar Global Markets Index and US Core Bond indices have been licensed for use for certain purposes by Facet. The services provided by Facet are not sponsored, endorsed, sold, or promoted by Morningstar, Inc. or any of its affiliated companies (all such entities, collectively, “Morningstar Entities”). The Morningstar Entities make no representation regarding such services. All information is provided for informational purposes only. The Morningstar Entities do not guarantee the accuracy and/or the completeness of the Morningstar Indexes or any data included therein. The Morningstar Entities make no warranty, express or implied, as to the results to be obtained by the use of the Morningstar Indexes or any data included therein. The Morningstar Entities make no express or implied warranties, and expressly disclaim all warranties of merchantability or fitness for a particular purpose or use with respect to the Morningstar Indexes or any data included therein. Without limiting any of the foregoing, in no event shall the Morningstar Entities, or Morningstar’s third party content providers have any liability for any special, punitive, indirect or consequential damages (including lost profits), even if notified of the possibility of such damages.

Okay so...we’ve talked a lot about investments. But unlike other financial planners, we aren’t just focused on your assets.

We care about every facet of your life. That’s why our proprietary technology, CFP^® professionals, and team of experts can help you navigate every financial decision, from starting a job, starting a family, starting retirement, and everything in between.

But don’t just take my word for it.

That’s great you’re seeking out financial help!

But did you know the financial advisor fee to manage your investments can go up to 1.65*% of your assets for accounts up to $1 million?

Source: kitces.com Financial Advisor Fees Comparison – All-In Costs For The Typical Financial Advisor?

*1.65% represents all investment fees such as a percentage of assets under management, product costs and platform fees.

And other fixed-fee advisors, who are hard to find as it is…

Well, typically they charge up to $7,500/year for up to $500k in assets and up to $11,000/year for up to $1M?

Source: AdvisoryHQ.com Average Financial Advisor Fees in 2023.

Facet’s plans start at just $1000/year.

Plus, we offer far more than just investing (which yes, is included in your membership).

Our team of CFP^® professionals and experts, backed by our proprietary technology can help you navigate everything money touches—from starting a new job, a family, your retirement, and everything in between.

We help with every facet of your financial life.

But let's talk investments for a minute.

Facet sets up your portfolio with your goals top of mind. In fact, each investment is linked to a specific goal so you can see exactly how we’re making your money work to plan for the life you want to live.

Speaking of results...

We’ll just show you the numbers and let you see for yourself.

	One year	Three years	Five years
Facet 100% equity	6.15%	7.72%	16.74%
Benchmark	6.29%	6.36%	14.87%
Difference	-0.13%	1.36%	1.87%
Facet 70/30	5.94%	5.64%	11.65%
Benchmark	5.95%	4.71%	10.24%
Difference	-0.01%	0.93%	1.41%

So let's recap. Unlike traditional advisors, Facet...

Doesn’t charge AUM fees or earn commissions.
Helps with every facet of your financial life for one flat fee.
Tailors your investment portfolio to your goals.
And so much more.

Sounds good, right? Let's see if a Facet membership is right for you.

Okay, now a little more about you. In what year were you born?(Required)

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Age

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Age >= 55

Choose all the life events happening now or in the near future.

(select all that apply)

Retirement withdrawal strategy

Social security

Managing my estate

Buying a home

Buying a car

Retiring

Planning for family's future

Planning a big trip

Something not listed

Choose all the life events happening now or in the near future.

(select all that apply)

Managing student loans

Planning for education

Getting married

Having/adopting a child

Starting a new job

Buying a home

Buying a car

Retiring

Planning for family's future

Planning a big trip

Something not listed

Thanks for sharing!

Here at Facet, we know that every decision is a financial one, so we’re here to help you through all life’s changes.

How many years before you plan to retire?

Do you live in the US, Puerto Rico, or the US Virgin Islands?(Required)

Yes

That’s awesome that you’re pursuing financial wellness at such a young age!

While you have to be 18 or older to join Facet, you can still take advantage of our wellness quiz and other resources to continue learning and growing!

FREE Financial Wellness Quiz Learning resources

Thank you so much for your interest in Facet.

At the moment, we can only offer our memberships within the U.S. That said, you can still take advantage of our wellness quiz and other resources to continue learning and growing!

FREE Financial Wellness Quiz Learning resources

In order to see if Facet is a good fit for you, we need to learn a little more about your financial picture.

We know sharing financial information online can feel intimidating, but we don't need specifics. Your best guess will do just fine!

What was your household income (before taxes) last year?(Required)

How much do you have in savings?(Required)

This includes savings accounts, IRAs, 401(k)s, etc.

Do you have any high-interest debt?

When we say “high interest” we mean things like credit cards or loans – usually with an interest rate of 10% or more.

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Disqualified

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Foundations Qualified

You’re in good company considering Facet.

In fact, we have over 20,000 members and manage more than $4 billion in assets for them (at no additional charge).

And all 20,000+ members can rest assured when it comes to data security, because we’ve got you covered there too.

Facet uses the highest level of security to protect our members and their assets. This includes:

Industry-leading multi-factor authentication capabilities.
Dedicated security teams with 24/7 monitoring services.
Continuous testing to measure and strengthen.

You’re almost there!

Let's see if you qualify for a Facet membership. We'll need some basic contact info so that we can share your eligibility results.

First Name(Required)

Last Name(Required)

Email(Required)

Phone(Required)

By submitting this form, you acknowledge that you have directly provided the email and phone number contact information listed, you also acknowledge that Facet has the option to use either method to contact you, and agree to the terms set forth in our Company Privacy Notice. Message frequency varies, and message and data rates may apply. Reply STOP to opt-out of messages, press 9 to opt out of voice reminders, and email [email protected] for help.

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