Ramit Sethi is not an employee of Facet and he receives compensation and has an incentive to endorse Facet. All opinions are his own and may not express the views of Facet, nor are they a guarantee of a similar outcome.

^*Based on an analysis by Facet, comparing a flat planning fee to a fee based on percentage of investment assets for members with investment accounts and calculating the difference in total fee payments over time. In this analysis, Facet used the same variables – investment balance, a set of ongoing contributions, annual return and underlying fund fees – and with those, calculated the difference between a $3,000 flat fee and a 1% AUM (assets under management fee) over a 10 year period of time. The analysis concluded that the flat fee approach generated significantly greater fee savings over time.

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