Transformative financial planning.
Flat-fee membership.
Core
- Meet with our CFP® professionals
- 3 designated planning meetings (year 1)
- 1 annual planning meeting (years 2+)
- Core planning hours: 9am - 5pm
Includes:
- Retirement and life planning
- Savings and debt management
- Investment management
- Tax-savings strategies
- Insurance planning
- Education planning
Plus
- Get a dedicated CFP® team
- 3 designated planning meetings (year 1)
- 2 annual planning meetings (years 2+)
- Additional evening planning hours: 9am - 8pm
Includes everything in CORE, and:
- Tax filing by a certified tax professional
-
Employer stock & equity planning
- valuation
- vesting schedules
- purchase and sale advice
- tax strategies
- Access to private market investing, like private loans and real estate (Alternative Income)
Complete
- Have a dedicated CFP® professional that is deeply familiar with your situation
- 4 designated planning meetings (year 1)
- 4 annual planning meetings (years 2+)
- Extended AM/PM planning hours: 7am - 8pm
- Private investment team consultation
- New member concierge onboarding
- Priority member support
Includes everything in PLUS, and:
-
Comprehensive tax-savings analysis & strategy, including:
- credits and deductions analysis
- money withdrawal strategy
- annual safe harbor withholding and estimated payment strategy
- Direct Indexing – access to advanced tax-saving investing strategies
Estate Planning
Make sure your estate and loved ones are taken care of exactly how you want. Through our partner Wealth.com, you get access to an easy-to-use online platform that walks you through building a comprehensive estate plan tailored to your needs. You’ll get all your essential documents—a will, trust, health care directive, and financial power of attorney—plus a 30-minute consultation with an estate attorney.
- Full suite of state-optimized documents
- Last will and testament
- Revocable trust and pour-over will
- Financial power of attorney (POA)
- Advanced healthcare directive
- Nomination of guardianship
Facet is not an attorney and does not provide tax or legal advice or directly prepare legal documents. Members may complete estate plan documents by using the services provided through wealth.com. Each document created with wealth.com is designed to be legally valid and state-specific, covering all 50 of the United States and Washington D.C. Services, such as drafting and servicing deeds, irrevocable trusts, and business organizational documents are not available. Legal effectiveness of estate plan documents completed using wealth.com is dependent on the user signing and formalizing the documents in accordance with applicable state and local law. Tax laws and regulations are complex and subject to change. Depending on your situation, consulting with an attorney or tax professional may be necessary.
Included in every membership.
Secure member dashboard
- Single place to see all your money info and track progress
- Earned an “A” rating from SSL Labs for website security
- Unlimited planner messaging
Personalized financial roadmap
- Designed just for you to achieve your goals
- Step-by-step guidance to keep you on track
- Adjusts as your life changes
Always a CFP® professional
- All CERTIFIED FINANCIAL PLANNER® professionals–the highest financial planning certification
- Objective advice centered on you
- Convenient virtual meetings
Retirement and life planning
- Goal and income assessment
- Savings and investment planning
- Ongoing planning pre and post-retirement
Savings and debt management
- Cashflow management
- Short and long-term savings strategies
- Debt management
Professional investing
- Tax-advantaged accounts (including IRAs and backdoor Roth IRA conversions)
- Individual, joint, and trust taxable accounts
- Exchange-traded fund (ETF) portfolios
- Continuous portfolio monitoring
- Tax-loss harvesting
- Employer plan guidance (including 401k, HSA/FSA)
Tax-savings strategies
- Tax-savings strategy built into your roadmap
- Tax-efficient education savings recommendations
Insurance planning
- Identify coverage gaps
- Annual review with recommendations
- Employer-sponsored insurance support (including health and life)
Education planning
- Education savings
- Tuition payment strategy
- Loan payoff strategies
Memberships built to fit your life.
Compare all the options to find exactly what you need.
|
Core
|
Plus
|
Complete
|
|
|---|---|---|---|
| Planner meetings and messages | |||
| Onboarding and check-in meetings (year 1) | |||
| Annual planning meetings (years 2+) | |||
| Unlimited messages with your planner | |||
| Retirement and life planning | |||
| Retirement Life Interview and Path Explorer | |||
| Personalized retirement roadmap | |||
| Tax-savings strategies (including Backdoor Roth IRA; asset allocation, Roth conversion) | |||
| Healthcare and longterm care planning | |||
| Retirement cash bucket and a monthly tax-efficient withdrawal strategy | |||
| Retirement income planning (Social Security, annuities, pensions, 401(k), IRAs, brokerages) | |||
| Required minimum distribution (RMD) tracking and reminders | |||
| Comprehensive tax-savings analysis by a tax specialist (including private consultation option) | |||
| Access to Direct Indexing investments for advanced tax-loss harvesting | |||
| Investment management | |||
| Risk assessment | |||
| Portfolio monitoring | |||
| Tax-loss harvesting | |||
| Portfolio rebalancing | |||
| Employer plan guidance (401k, HSA/FSA, 403b, etc.) | |||
| Tax-advantaged accounts (traditional and Roth IRAs, backdoor Roth IRA conversions) | |||
| Taxable accounts (individual, joint, and trust) | |||
| Short-term savings strategies | |||
| Core ETF portfolios | |||
| Investment account and capital gains strategies | |||
| Alternative Income investing | |||
| Direct Indexing | |||
| Savings and debt management | |||
| Cashflow management | |||
| Short and long-term savings strategies | |||
| Debt management | |||
| Tax filing | |||
| Simple online dashboard to submit all your tax documents in one place. | |||
| Certified tax professional prepares and files your taxes from start to finish (federal and state) | |||
| Automated data imported from your financial roadmap | |||
| Initial consultation session with a certified tax professional before they begin filing your return | |||
| Personal session with a certified tax professional to discuss your expert-reviewed return before filing | |||
| Backed by a Tax Return Accuracy Commitment* | |||
| Tax Planning | |||
| Financial planning to optimize available tax savings by account (i.e., pre-tax, Roth) | |||
| Tax-efficient bond allocation tailored to income and state | |||
| Tax-loss harvesting (for Facet-managed investment accounts) | |||
| Recommendation if Roth conversion strategies are appropriate for your situation | |||
| Current year tax projection to determine Roth conversion eligibility | |||
| Access to certified tax professional where appropriate | |||
| Tax and credit deduction analysis of previous year’s return to uncover tax opportunities (if needed) | |||
| Access to Direct Indexing investments for advanced tax-loss harvesting (for qualified members) | |||
| Comprehensive tax planning for members with single member LLCs | |||
| Education around the personal impact of LLC and S Corp income | |||
| Small business retirement plan education for single member LLCs | |||
| Rental property tax deduction optimization, including depreciation strategies and education on pros/cons of a cost segregation study | |||
| Employer stock and equity compensation | |||
| Equity award planning (optimal exercise and tax plan) | |||
| Company stock plan guidance (RSUs, ISOs, etc.) | |||
| Annual access to equity comp specialist | |||
| Insurance planning | |||
| Identify coverage gaps | |||
| Annual review with recommendations | |||
| Employer-sponsored insurance support (health, life, etc.) | |||
| Education planning | |||
| Education savings | |||
| Tuition payment strategy | |||
| Loan payoff strategies | |||
| Tax-smart education savings |
Core
Plus
Complete
Planner meetings and messages
Included in every membership
Included in every membership
Onboarding and check-in meetings (year 1)
Annual planning meetings (years 2+)
Unlimited messages with your planner
Retirement and life planning
Included in every membership
Included in every membership
Retirement Life Interview and Path Explorer
Personalized retirement roadmap
Tax-savings strategies (including Backdoor Roth IRA; asset allocation, Roth conversion)
Healthcare and longterm care planning
Retirement cash bucket and a monthly tax-efficient withdrawal strategy
Retirement income planning (Social Security, annuities, pensions, 401(k), IRAs, brokerages)
Required minimum distribution (RMD) tracking and reminders
Comprehensive tax-savings analysis by a tax specialist (including private consultation option)
Access to Direct Indexing investments for advanced tax-loss harvesting
Investment management
Included in every membership
Included in every membership
Risk assessment
Portfolio monitoring
Tax-loss harvesting
Portfolio rebalancing
Employer plan guidance (401k, HSA/FSA, 403b, etc.)
Tax-advantaged accounts (traditional and Roth IRAs, backdoor Roth IRA conversions)
Taxable accounts (individual, joint, and trust)
Short-term savings strategies
Core ETF portfolios
Investment account and capital gains strategies
Alternative Income investing
Direct Indexing
Savings and debt management
Included in every membership
Included in every membership
Cashflow managment
Short and long-term savings strategies
Debt management
Tax filing
Plans differ
Plans differ
Simple online dashboard to submit all your tax documents in one place.
Certified tax professional prepares and files your taxes from start to finish (federal and state)
Automated data imported from your financial roadmap
Initial consultation session with a certified tax professional before they begin filing your return
Personal session with a certified tax professional to discuss your expert-reviewed return before filing
Backed by a Tax Return Accuracy Commitment*
Tax planning
Plans differ
Plans differ
Financial planning to optimize available tax savings by account (i.e., pre-tax, Roth)
Tax-efficient bond allocation tailored to income and state
Tax-loss harvesting (for Facet-managed investment accounts)
Recommendation if Roth conversion strategies are appropriate for your situation
Current year tax projection to determine Roth conversion eligibility
Access to certified tax professional where appropriate
Tax and credit deduction analysis of previous year’s return to uncover tax opportunities (if needed)
Access to Direct Indexing investments for advanced tax-loss harvesting (for qualified members)
Comprehensive tax planning for members with single member LLCs
Education around the personal impact of LLC and S Corp income
Small business retirement plan education for single member LLCs
Rental property tax deduction optimization, including depreciation strategies and education on pros/cons of a cost segregation study
Employer stock and equity compensation
Plans differ
Plans differ
Equity award planning (optimal exercise & tax plan)
Company stock plan guidance (RSUs, ISOs, etc.)
Annual access to equity comp specialist
Insurance planning
Included in every membership
Included in every membership
Identify coverage gaps
Annual review with recommendations
Employer-sponsored insurance support (health, life, etc.)
Education planning
Included in every membership
Included in every membership
Education savings
Tuition payment strategy
Loan payoff strategies
Tax-smart education savings
*Facet has partnered with Taxfyle to connect you with an independent tax professional, a CPA or Enrolled Agent credentialed in the United States, who prepares your return and files it once you approve it. Through Taxfyle, your service includes audit representation and amended-return preparation backed by a Tax Return Accuracy Commitment. All subject to Taxfyle’s terms and conditions.