Transformative planning. Transparent, flat-fee membership.
The membership you need for every facet of your financial life.
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–no conflicts, no commissions
- 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
Investment management
- 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
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–no conflicts, no commissions
- Convenient virtual meetings
Retirement and life planning
- Goal and income assessment
- Savings and investment planning
- Tax-advantaged contributions and withdrawals
- Ongoing planning pre and post-retirement
Savings and debt management
- Cashflow management
- Short and long-term savings strategies
- Debt management
Investment management
- 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
Core
$2,100/year
$250 enrollment fee waived*
The planning and guidance you need to manage your finances and grow your money with confidence.
Any CFP® professional
3 designated planning meetings (year 1)
Business hours (9am - 5pm)
Services
- Retirement and life planning
- Savings and debt management
- Investment management
- Tax-savings strategies
- Insurance planning
- Education planning
Plus
MOST POPULAR
Save $200
until 9/14
$3,400
$3,600/year
$250 enrollment fee waived*
Step up to a dedicated CFP® team, advanced investing, online tax filing, and employer stock and equity planning.
Dedicated CFP® team
3 designated planning meetings (year 1)
Extended hours upon request (9am - 8pm)
Services
- NEW Online tax filing, tax expert-reviewed
- Retirement and life planning
- Savings and debt management
- Investment management
- Tax-savings strategies
- Insurance planning
- Education planning
- Employer stock and equity planning including valuation, vesting schedules, purchase and sale advice, and tax strategies
- Access to private market investing like private loans and real estate (Alternative Income)
Complete
Save $500
until 9/14
$7,100
$7,600/year
$250 enrollment fee waived*
A dedicated CFP®, more planning meetings, and priority support. Plus, advanced investing, tax strategy and expert filing, and estate planning.
Your own dedicated CFP® professional
4 designated planning meetings (year 1)
Extended hours upon request (7am - 8pm)
Private investment team consultation
Priority member support
New member concierge onboarding
Services
- NEW Tax filing by a certified tax professional
- Retirement and life planning
- Savings and debt management
- Investment management
- Tax-savings strategies
- Insurance planning
- Education planning
- Employer stock and equity planning including valuation, vesting schedules, purchase and sale advice, and tax strategies
- Access to private market investing like private loans and real estate (Alternative Income)
- Access to advanced tax-saving investing strategy (Direct Indexing)
- Comprehensive tax-savings analysis and strategy, including credits and deductions analysis, money withdrawal strategy, and withholdings
- Estate planning includes all needed legally-binding, state-specific documents, plus ongoing updates
$2,100/year
$250 enrollment fee waived*
The planning and guidance you need to manage your finances and grow your money with confidence.
Any CFP® professional
3 designated planning meetings (year 1)
Business hours (9am - 5pm)
Services
- Planner meeting and messages
- Retirement and life planning
- Savings and debt management
- Investment management
- Tax-savings strategies
- Insurance planning
- Education planning
MOST POPULAR
$3,400/year
$3,600
Save $200
$250 enrollment fee waived*
Step up to a dedicated CFP® team, advanced investing, online tax filing, and employer stock and equity planning.
Dedicated CFP® team
3 designated planning meetings (year 1)
Extended hours upon request (9am - 8pm)
Services
- NEW Online tax filing, tax expert-reviewed
- Retirement and life planning
- Savings and debt management
- Investment management
- Tax-savings strategies
- Insurance planning
- Education planning
- Employer stock and equity planning including valuation, vesting schedules, optimal purchase and sale and tax strategies
- Access to private market investing like private loans and real estate (Alternative Income)
$7,100/year
$7,600
Save $500
$250 enrollment fee waived*
A dedicated CFP®, more planning meetings, and priority support. Plus, advanced investing, tax strategy and expert filing, and estate planning.
Your own dedicated CFP® professional
4 designated planning meetings (year 1)
Extended hours upon request (7am - 8pm)
Private investment team consultation
Priority member support
New member concierge onboarding
Services
- NEW Tax filing by a certified tax professional
- Retirement and life planning
- Savings and debt management
- Investment management
- Tax-savings strategies
- Insurance planning
- Education planning
- Employer stock and equity planning including valuation, vesting schedules, optimal purchase and sale and tax strategies
- Access to private market investing like private loans and real estate (Alternative Income)
- Access to advanced tax-saving investing strategy (Direct Indexing)
- Comprehensive tax-savings analysis and strategy, including credits and deductions analysis, money withdrawal strategy, and withholdings
- Estate planning includes all needed legally-binding, state-specific documents, plus ongoing updates
*These Facet memberships are annual, non-refundable agreements that can be paid quarterly or annually. The initial enrollment fee of $250 is waived if you select the annual payment option. Full terms and conditions for the annual fee can be found here.
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 | |||
| Goal and income assessment | |||
| Savings and investment planning | |||
| Tax-advantaged contributions & withdrawals | |||
| Ongoing planning pre- and post-retirement | |||
| 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 | |||
| Alternative Income investing | |||
| Direct Indexing | |||
| Savings and debt management | |||
| Cashflow management | |||
| Short and long-term savings strategies | |||
| Debt management | |||
| NEW Tax filing | |||
| Simple online dashboard to file your taxes (federal and 1 state) | |||
| Automated data imported from your financial roadmap | |||
| Final review of your return by a certified tax expert | |||
| Personal session with a certified tax expert | |||
| Certified tax professional prepares and files your taxes from start to finish (federal and 1 state) | |||
| Maximum Refund & Accuracy Guarantees* | |||
| Tax planning | |||
| Financial planning with integrated tax-saving strategies | |||
| Investment account and capital gains strategies | |||
| Retirement plan savings strategies (including Backdoor Roth IRA) | |||
| Tax-loss harvesting (for Facet-managed investment accounts) | |||
| Comprehensive tax-savings analysis by a tax specialist (including private consultation option) | |||
| Lifetime tax bracket projection (to mitigate future losses) | |||
| Lifetime analysis for optimal Roth conversions | |||
| Review of last year’s tax return to uncover tax opportunities | |||
| Future tax analysis to help minimize tax payments over your lifetime | |||
| Tax credit and deduction analysis | |||
| Access to Direct Indexing investments for advanced tax-loss harvesting | |||
| NEW Small business tax strategies including the tax impact of buying or selling a business, and an LLC versus S corp analysis | |||
| NEW Small business retirement plan guidance | |||
| NEW Rental property tax deduction optimization, including depreciation strategies and cost segregation study recommendations | |||
| Estate planning | |||
| Estate planning education and guidance | |||
| Full suite of state-optimized documents | |||
| Last will and testament | |||
| Revocable trust and pour-over will | |||
| Financial power of attorney | |||
| Advanced healthcare directive | |||
| Nomination of guardianship | |||
| Unlimited access, make updates anytime | |||
| 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
$2,100/year
Plus
$3,300/year
Complete
$6,600/year
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
Goal and income assessment
Savings and investment planning
Tax-advantaged contributions & withdrawals
Ongoing planning pre- and post-retirement
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
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 NEW
Plans differ
Plans differ
Simple online dashboard to file your taxes (federal and 1 state)
Automated data imported from your financial roadmap
Final review of your return by a certified tax expert
Personal session with a certified tax expert
Certified tax professional prepares and files your taxes from start to finish (federal and 1 state)
Maximum Refund & Accuracy Guarantees*
Tax planning
Plans differ
Plans differ
Financial planning with integrated tax-saving strategies
Investment account and capital gains strategies
Retirement plan savings strategies (including Backdoor Roth IRA)
Tax-loss harvesting (for Facet-managed investment accounts)
Comprehensive tax-savings analysis by a tax specialist (including private consultation option)
Lifetime tax bracket projection (to mitigate future losses)
Lifetime analysis for optimal Roth conversions
Review of last year’s tax return to uncover tax opportunities
Future tax analysis to help minimize tax payments over your lifetime
Tax credit and deduction analysis
Access to Direct Indexing investments for advanced tax-loss harvesting
NEW Small business tax strategies including the tax impact of buying or selling a business, and an LLC versus S corp analysis
NEW Small business retirement plan guidance
NEW Rental property tax deduction optimization, including depreciation strategies and cost segregation study recommendations
Estate planning
Plans differ
Plans differ
Estate planning education and guidance
Full suite of state-optimized documents
Last will & testament
Revocable trust & pour-over will
Financial power of attorney
Advanced healthcare directive
Nomination of guardianship
Unlimited access, make updates anytime
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
*Tax preparation and filing is completed through April Tax Solutions, Inc. (“April”). The Maximum Refund and 100% Accuracy guarantees are offered through April and not Facet, and only eligible for Facet members in the Complete tier. April’s terms and conditions for those guarantees will apply.
April’s Maximum Refund Guarantee
Maximum refund guarantee is provided by April. If you use April’s service to prepare and file your return and you find an error in the tax preparation that entitles you to a larger refund (or smaller liability), you may use their service to amend that return at no additional charge. To qualify, the larger refund or smaller tax liability must not be due to differences or inaccuracies in data supplied by you, your choice not to claim a deduction or credit, positions taken on your return that are contrary to law, or changes in federal or state tax laws.
April’s Accuracy Guarantee
If April’s tax preparation software makes a mathematical error that results in your payment of a penalty and/or interest to the IRS that you would otherwise not have been required to pay, April will reimburse you up to a maximum of $10,000.