Feel sure about your money, even during uncertain times.
With Facet's flat-fee financial planning, you can make money moves with confidence–no matter how unpredictable life gets.
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Don’t let economic ups and downs derail your financial goals.
Feel confident you’re making the right money decisions, even in times like these. With Facet, you’ll receive objective advice when you need it most and a resilient financial roadmap built to adapt to both your evolving life and the changing economy.
Now more than ever, having a financial guide keeps you on track so you can live the life you want.
A well-structured financial roadmap provides the framework you need to weather market fluctuations. We help you stick to your short and long-term goals, avoiding gut reactions and focusing on your success.
“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 P.
New York
Alyssa G.
California
“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 U.
California
“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
Services
Helping you with all your life goals, and everything your money touches.
Tax planning*
- Tax reduction strategy
- Tax-efficient education savings
- Last year’s tax return missed opportunity analysis
- Personalized Roth conversion & more
Investing*
- Goal-aligned investment strategy
- Risk assessment
- Tax loss harvesting
- Employer plan portfolio guidance (401k, HSA, etc.)
Retirement & life
- Goal and income assessment
- Savings and investment planning
- Tax-advantaged contributions & withdrawals
- Ongoing planning pre and post-retirement
Estate planning**
- Estate planning education and guidance
- Full suite of state-optimized documents
- Last will & testament
Equity compensation*
- Equity award planning (optimal exercise & tax plan)
- Company stock plan guidance (RSUs, ISOs, etc.)
- Annual access to equity comp specialist
Family planning
- Having a baby
- Marriage
- Divorce
- Caring for aging parents
- Making a big purchase
Insurance planning
- Identify coverage gaps
- Annual review with recommendations
- Employer-sponsored insurance support (health, life, etc.)
Education planning
- Savings and funding strategies
- Financial aid guidance
- Loan payoff strategies
Employee Benefits*
- Grow with your career
- 401(k)s, IRAs, profit-sharing, ESOPs, and more
- Health, disability, life insurance and more
*Facet’s services vary depending upon the chosen service level.
**Estate Planning services provided by wealth.com, the fee is non-refundable and covers their services. Facet is not an attorney and does not provide tax or legal advice or directly prepare legal documents. Tax laws and regulations are complex and subject to change. Consult with an attorney or tax professional regarding your specific situation. Wealth.com is a separate membership service that automatically renews for Complete members as part of your Facet membership renewal. For Core and Plus members, Wealth.com automatically renews for a $300 annual fee unless this service is canceled prior to renewal.
“Facet’s bespoke approach to financial planning allows it to serve as a resource for nearly any financial decision you face, from employee benefits and the tax impact of stock option plans to retirement investments and evaluating insurance needs. The fee you pay is based on the level of service required and the complexity of your financial situation.”
*Nerdwallet review conducted in April of 2025 based on the time frame of August 2024 – April 2025. Nerdwallet’s independent assessment includes data collection, interviews and testing which results in star ratings from poor (one star) to excellent (five stars). Nerdwallet was not paid for this review however does receive compensation based on referrals.
Hear from industry experts.
Ramit Sethi
Host of Netflix’s “How To Get Rich” & Host of the I Will Teach You To Be Rich Podcast
“Facet recognized what was wrong with the AUM Model and did something about it. They’re making financial advice accessible to everybody.”
Tyler Gardner
Former Portfolio Manager, 20+ Years in Professional Education
Ramit Sethi is not a member of Facet, and has an incentive to endorse facet as he receives cash compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.
Tyler Gardner is not a member of Facet, and has an incentive to endorse facet as he receives cash and equity compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.
Frequently asked questions.
The markets have been up and down. Is now the right time to start or increase the amount I’m investing?
Time is your greatest ally when it comes to investing. The sooner you start, the more time your money has to grow. When the market is down, your money can actually buy more shares, and when it goes up, those shares grow in value. Investing is one of the most impactful ways to reach your goal. That’s why, for most of us, the right time to start investing is now.
Investing does involve risk and past performance is no guarantee of future performance or success.
I'm tempted to make changes to my investments right now given all the economic uncertainty. Should I?
Economic uncertainty can definitely make you question your investment strategy and possibly make knee-jerk decisions. What’s most important is having a diversified investment strategy based on your goals, risk tolerance that seeks out the best possible balance of return and risk. Whether the economy is doing well or not, it’s always a good idea to make sure your investments are right for you, and the sooner you do that, the better.
The market feels really unstable right now. Should I be worried?
That’s a natural way to feel but remember, market ups and downs are a normal part of investing, and a solid investing strategy accounts for this. The market has moved quite a bit lately, but these kinds of swings aren’t new.
Instead of worrying, consider using the time to check if your current approach is still right for you. Are you comfortable with the level of risk? Are there any smart tax moves you could be making right now? Are there other ways to invest that might make more sense for you?
Think of this as a good opportunity to make sure you’re on the right track.
Is Facet changing its investment philosophy based on current events?
We’re not. Our way of building and managing your investments is made to handle all kinds of market conditions, good or bad.
Based on Nobel Prize-winning principles,* we focus on low-cost, globally diversified, and tax-efficient investments that match your goals and risk comfort.
Our investment strategies are designed to adapt, so you’re not caught off guard by unexpected market swings. While we actively monitor the economy and adjust to optimize returns and manage risk, our core investment philosophy remains consistent.
*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 Eugene Fama who won the prize 2013 for his work on market efficiency.
What fees does Facet charge for investment management?
Facet offers flat-fee planning memberships that don’t change based on how much you invest and earn, however, 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 and for more information about Facet’s approach to investing, watch this video.
Facet’s specific investment management services vary depending upon the chosen service level.
I can do this myself, why do I need a financial planner?
While you may feel confident handling financial tasks independently, a financial planner offers expertise, objectivity, and comprehensive planning that go beyond task completion. Our CFP® professionals provide tailored advice, save you time, manage risks, and adapt your plan to changing circumstances, ensuring your long-term financial wellness and peace of mind.