INVESTMENT PLANNING
Most advisors take a cut. We don't.
That's the difference you get with a Facet flat-fee membership. It's investment planning and financial planning that puts you first.
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. America’s Top Financial Advisory Firms 2025 was identified by Plant-A Insights Group in partnership with Newsweek. The analysis was performed on data as of September 2024. 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 11/11/25 (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.
Investment management built for you.
At Facet, we believe your investment strategy should reflect every facet of your life. You’ll work with a team of CFP® professionals to build a portfolio that adapts and evolves as you do.
One flat membership fee, simple and transparent.
Tax-efficient, low-cost investments.
Investing and financial planning.
We bring everything into your financial roadmap — your goals, cash flow and timeline. Your investment strategies are always integrated with your life.
What makes Facet different?
One simple, flat membership fee.
No hidden fees, product sales or commissions – just objective advice for one flat fee.
Advice you
can trust.
From a Certified Financial Planner® who understands your goals and sees the bigger picture beyond your investments.
Financial planning for all facets of life.
Your finances, all in one place.
A centralized dashboard shows a complete picture of your finances and tracks your progress towards your goals, giving you clarity so you can feel more confident in every financial move.
Trusted financial guidance, made for real life. See what your roadmap could look like.
What makes investment planning with Facet different?
Trusted financial guidance, made for real life. See what your roadmap could look like.
One simple, flat membership fee.
No hidden fees, product sales or commissions - just objective advice for one flat fee.
Advice you
can trust.
From a Certified Financial Planner® who understands your goals and sees the bigger picture beyond your investments.
Financial planning for all facets of life.
Because every decision should be financially smart, we cover every aspect of your finances -- from taxes and investing to retirement, debt, education, equity comp, and more.
Your finances, all in one place.
A centralized dashboard shows a complete picture of your finances and tracks your progress towards your goals, giving you clarity so you can feel more confident in every financial move.
Your goals come first. Always.
When your advisor takes a cut of your earnings, priorities get blurry. That’s why you’ll work with flat-fee CFP® professionals who make your goals the priority, always.
Why Facet?
For us, it’s simple. Financial planning should be for everyone.
- An affordable flat membership fee that won’t change even as your money grows.
- CFP® professionals who offer objective advice that puts your goals first, not ours.
- No minimum to get started, so you can build for the future now, whatever your finances look like.
- A comprehensive roadmap that integrates everything: your goals, your budget, your investments, and your future.
Traditional financial advisors
- Charge you by the hour or collect fees based on how much you invest.
- Work on commissions, which might not line up with your priorities.
- May require a certain level of assets before they'll even talk with you.
- May focus on one area only, like investments, without a full picture of your finances.
Answer a few questions so we can advise you best.
Here’s how our flat fee helps you keep more.*
The charts and claims are based on an analysis of a starting investment balance of $500,000, annual contributions and an annual return of 8%. It then compared a portfolio that was charged a 1% asset based fee versus a flat fee of $3,000 annually and charted the post fee investment growth for both for comparative purposes. An annual investment expense fee of .08% was used in both cases. This is intended strictly for illustrative purposes. Investing includes risks and there is no guarantee of future performance.
*Based on a study conducted by Facet in May of 2024. A complete data set was reviewed for core recommendations made for each of Facet’s service levels. That data showed that the majority of Members achieved value greater than their planning fee. This value was shown to reoccur on an annual basis. Assumptions included average expenses and fees, using retirement tax savings, portfolio expenses, debt refinance, tax loss harvesting, and potential insurance premium savings as value drivers using Facet’s investment services, and discounting value to align with the acceptance of Facet recommendations. Facet has tiered pricing packages based on the individual service needs of the member. There is no separate or additional fee for investment management. This is not a guarantee or prediction of actual results for any member and results may vary by member. Some value like tax loss harvesting may vary year to year.
You're in good company.
Over 24,000 members on the path to financial confidence.
Testimonials were provided by current members of Facet Wealth, Inc. (“Facet”). 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.
As featured in
Never make a financial decision alone again.
Life changes. With Facet, it's easy to get objective personalized financial guidance, so you feel confident at every turn. Here’s how it works:
1. Meet with a financial planner.
2. Build your personalized roadmap together.
3. Get support as you go.
Invest in the life you want.
Your investment strategy should be a part of ongoing financial planning that covers every part of your life, right now and in the future.
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?
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.