Transformative planning.
Transparent pricing.
Empowering you with the information you need to make financial decisions, even now.
Keeping it simple.
That's kind of our thing.
- Personalized, dynamic planning that aligns with your values and supports every financial decision
- Always a CFP professional®, backed by a team of specialist
- Tech-powered solutions and expert guidance for a data-driven, human-led experience
- Investing included with no additional AUM fees (assets under management) or commissions
- Access to a CFP® professional anytime via messages
Choose the membership that’s right for you.
- Served by any CFP® professional
- Unlimited messaging access
- Up to 4 virtual sessions (year 1)
-
1 virtual session
(year 2+) - Cashflow and debt management
- Investing included with no additional AUM fees or commissions
- Retirement & life planning
- Insurance planning
- Estate planning (guidance only)
-
Business hours
(9am - 5pm)
- Served by a small team of CFP® professionals
-
Up to 2 virtual sessions
(year 2+) - Equity and comp planning
- Extra hours upon request (up to 8pm)
- Served by your own dedicated CFP® professional
-
Up to 4 virtual sessions
(year 2+) - Estate planning (full plan and documents)
- Advanced tax strategy
- Extra hours upon request (7am-8pm)
Real people.
Real success stories.
Hanna P.
Chicago, IL
“Knowing we have someone we can ask questions to, keep us accountable, and explain many unknown financial territories to us - it's been a real gift.”
Isha A.
New York, NY
"My finances were not good... I was living paycheck to paycheck and feeling like I was barely surviving... Since having Facet, I don't feel that same stress anymore."
Isabella Z.
Denver, CO
“I had never worked with a financial advisor before, but Facet ... made the process of finding someone to help me such a smooth and pleasant process.”
Tom W.
Michigan
“We are so relieved that we made the decision to switch to Facet. Our stress level has decreased, our confidence level in our plan has increased and we are having fun planning our future.”
Compare membership features
Cashflow and debt management
Investment management
Retirement & life planning
Insurance planning
Education planning
Tax strategy
Equity & compensation planning
Estate planning
Start putting your money to work toward the things you care about most.
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, unbiased CFPs®, 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 client.” 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.
How does Facet work?
Once you choose and purchase a Facet membership, the financial planning process begins with a virtual meeting with a CFP® professional. They will get to know you, your situation and your goals to create a personalized plan and set you up for success (whatever that looks like to you.)
What’s financial planning?
Financial planning is simply the process of setting goals, analyzing your current finances and creating strategies to achieve those goals. When you work with a financial planner, these strategies can include the management of cash flow, debt, and investments as well as retirement, insurance, education, equity, and estate planning (and the list goes on.) Most importantly, financial planning with Facet is personal, making sure every goal and strategy is aligned with our members’ unique values and priorities.
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.
Can I purchase services a la carte?
The only service available a la carte is estate planning. The price of this service is $2000 for the first year and $300 annually every year after.
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. 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 one of their own?
You and your spouse or partner can use the same membership.
Do you charge a percentage of my assets under management (AUM) in addition to my membership fee?
There’s no additional cost for investment management, it’s included as part of your membership. While we don’t charge additional fees for managing your accounts, our custodians may charge fees that will be deducted from your account. You can view a full list of potential custodial costs here.
How can Facet afford to offer managing my investments as part of my membership when other businesses charge a fee?
We’re able to include investment management as part of your membership without charging additional fees because we believe in a transparent and member-centric approach to financial planning. By structuring our services this way, we prioritize your financial well-being over transaction-based fees. Our goal is to provide unbiased, holistic financial guidance that aligns with your needs and goals, ensuring you receive the best possible value without sacrificing quality or personalized attention.
Still have questions?
We know it’s not realistic to answer every question on our website. If you can’t find the answer to your question here, please contact us - we’re here to help.