This is the Facet difference.
It’s simply better planning. Let’s talk about your goals and see if we’re the right fit.
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Facet was ranked a Best Financial Advisory Firm 2026 by USA Today!
Facet was included in the USA TODAY Best Financial Advisory Firms 2026 list (published February 2026), produced in partnership with Statista and based on a ranking of 1,000 RIA through an independent survey and other data. Facet did not pay a fee to be considered for this ranking; however, Facet did pay a licensing fee to use the 'Best Financial Advisory Firms 2026' logo in marketing materials. Visit Awards and Ratings for more details.
Feel confident you’re making the right money decisions.
With Facet’s flat-fee membership, you’ll get objective advice you can trust. We’ll create a personalized financial roadmap tailored to all aspects of your life, not just retirement.
Finally, financial planning that’s
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objective.
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personalized.
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for every facet of life.
Objective advice you can trust
Guidance from a CFP® professional at a simple flat membership fee.
- Financial planning from experts.
- We don't take commissions, so no surprises.
- Your flat membership fee won’t change even as your money grows.
Personalized for you
A financial roadmap designed just for you.
- It guides your way and adapts as your life changes.
- Guided steps, regular check-ins, and messaging keep you on track.
- Your own secure dashboard to track your money and see your progress.
Planning for all facets of your life
Big-picture planning that gets you and your goals.
- More than retirement, your membership covers a full range of planning.
- Big goals, like investments, saving for a home, a car, and school.
- Smaller goals too, like trips, regular nights out, and tax planning.
Let’s update your roadmap and see how soon we can get you into a new home!
I would like to sell my condo and move into a house, what is my best path forward?
Services
Traditional advisors typically focus on retirement and investments – but Facet goes beyond that. We help you with all your life goals, and everything your money touches.
Tax filing*
- Expert tax prep and filing
- Personalized tax-saving opportunities
- Single dashboard for finances and taxes
- Tax Return Accuracy Commitment†
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 a $100 annual fee unless this service is cancelled prior to renewal.
†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.
Trustpilot rating: 4.7/5 stars
USA TODAY: Best Financial Advisory Firm 2026
Assets under management
Nerdwallet: 4.7/5 stars
Newsweek: America’s Top Financial Advisory Firms 2025
BBB: A+ rating
Members
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 included Facet in the list of Best Financial Advisory Firms 2026 based on an independent survey and AUM analysis, as of April 2026. Trustpilot rating as of 2/13/26 (may fluctuate); based on reviews since Jan 2022. BBB A+ Rating as of April 2026, 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.
Frequently asked questions.
Why should I choose Facet?
In an industry saturated with fees, confusing jargon, and cookie-cutter solutions, Facet exists to make financial planning affordable, accessible, and personalized.
Affordable: With our flat-fee membership options and commission-free approach to investing, we’re helping you keep money in your pocket so you can spend it on the things that matter most to you.
Accessible: Financial planning can be complicated enough as it is, without all the fancy jargon and hard-to-understand processes. With knowledgeable, objective CFP® professionals, intuitive technology and ongoing support, we’re making financial planning simple. (As it should be.)
Personalized: There is no one-size-fits-all approach to planning because there is no such thing as a “standard member.” We take the time to understand our members’ individual needs, dreams and priorities to develop plans that help them achieve success by their unique definition of the word.
I can do this myself, why do I need a financial planner?
What’s a fiduciary?
A fiduciary holds a legal and ethical relationship of trust with the person whom they’re serving. Therefore, a fiduciary is legally obligated to only make recommendations in the best interest of each person they are giving advice to. Like all SEC-registered firms, all of the CFP® professionals at Facet are fiduciaries on behalf of our members.
What happens if I want to cancel my membership?
All of Facet’s memberships are annual and non-refundable. If you choose to cancel your membership, you will be responsible for any outstanding balance, and will retain access to your planner and services for the remainder of the term.
Can my spouse or partner join under my membership or do they need their own?
You and your spouse or partner can use the same membership.
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 or third party service providers 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.
How can Facet manage my investments as part of my membership when others charge a fee?
We’re able to include investment management as part of your Core, Plus, or Complete membership because we believe in a transparent and member-centric approach to financial planning. To us, managing a $100,000 portfolio isn’t much different than managing a $1,000,000 portfolio—so why would we make our members pay more? By structuring our services this way, we prioritize your financial well-being over transaction-based fees.
Watch this video to learn about how Facet could bring value to your investing strategy.