Retirement planning:Feel ready for retirement, really ready.

By understanding the life you want, we build a clear, personalized roadmap that takes you to and throughout retirement.

With a flat membership fee and a CFP^® professional you can trust by your side, we help you step into retirement ready.

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What stage are you in?

Building for the future

You’re focused on growing your money for retirement, even while juggling competing priorities. We help you plan your finances so you can enjoy today while doing the right things for the life you want in retirement.

Approaching or in retirement

You’re ready to turn your savings into reliable retirement income. Our CFP^® professionals help you navigate the complexities of retirement income, healthcare, taxes, and more with a clear roadmap.

Why Facet for retirement planning?

A comprehensive retirement roadmap.

From investing to Social Security and Medicare, to advanced tax strategies and estate planning. You get a personalized roadmap built for the life you want.

A paycheck built to last.

We consider your income sources – like Social Security, pensions, and investments — and manage tax-efficient withdrawals, so you always know where your money is coming from.

Experts who put you first.

With a Certified Financial Planner^® by your side and a transparent, flat-fee membership, you’ll get objective guidance you can trust, without commissions or surprises.

Common retirement regrets*

Haven’t saved enough to retire.

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Didn’t start saving early enough.

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Didn’t account for health issues affecting retirement age.

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Took Social Security too early.

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Achieve financial fulfillment at any stage

The traditional view of retirement is evolving. It isn’t just a finish line; it’s a new beginning. It’s an opportunity to live your next chapter with the freedom to choose exactly how you spend your time.

Whether you want to travel, volunteer, work part-time or simply spend more time with family, our goal is to align your money with your values. We dig deep to understand your “Retirement Life” vision, helping you navigate trade-offs so you can step into this next phase with confidence.

*Source: NBER WORKING PAPER SERIES – “Financial Regret at Older Ages and Longevity Awareness”

Here's what's included.

	Core	Plus
Retirement Life Interview and Path Explorer
Personalized retirement roadmap
Tax-savings strategies (including Backdoor Roth IRA; asset location, asset allocation, Roth conversion)
Healthcare and longterm care planning
Retirement cash bucket and monthly paychecks
Retirement income planning (Social Security, annuities, pensions, 401(k), IRAs, brokerages)
Required minimum distribution (RMD) tracking and reminders
Estate planning documents*	—	—

Core

Plus

Complete

Retirement Life Interview and Path Explorer

Personalized retirement roadmap

Tax-savings strategies (including Backdoor Roth IRA; asset location, asset allocation, Roth conversion)

Healthcare and longterm care planning

Retirement cash bucket and monthly paychecks

Retirement income planning (Social Security, annuities, pensions, 401(k), IRAs, brokerages)

Required minimum distribution (RMD) tracking and reminders

Estate planning documents*

—

*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 a tax professional regarding your specific situation. Wealth.com is a separate membership service that automatically renews for Complete members as part of your Facet membership renewal. For Core and Plus members, Wealth.com automatically renews for an annual fee dependent upon services selected, unless this service is canceled prior to renewal.

Your future is more than a number.

While other financial firms just ask, “What’s your number?,” we help you answer the questions that actually keep you up at night:

“What do I really want my retirement to be like?”
"Will I run out of money if I live longer than expected?"
“How will I pay for healthcare before Medicare kicks in?"
"Should I start doing Roth conversions now to save on taxes later?"
"How can I reduce the risk in my investments without missing out on growth?"
"What is the best age to claim Social Security to maximize my benefit?"

How Facet memberships work.

With Facet, you get access to a team of CFP^® professionals and financial experts across investments, taxes, benefits, and more. Our ongoing, dynamic strategies will evolve with you, so you never have to make a financial decision alone again.

Our flat-fee membership model means no commissions

Support from a team of CFP^® professionals and experts.

Secure, industry-leading technology to manage and organize your entire financial life in one place.

Exclusive partner offers that complement your financial outcomes.

Not ready to start? Take our free financial wellness quiz to get your score.

Over 0 already trust Facet.

Testimonials were provided by current members of Facet (“Facet Wealth, Inc.”). 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.

“We felt more comfortable with the Facet approach, which was a fixed fee that works within your budget.”

Brad and Cat
Oregon

“This is exactly what I’ve been looking for. Facet has everything I need to manage my money and I can finally delete all my other personal finance and investing apps.”

Alyssa G.
California

“I’ve always just sort of felt really uncomfortable with like opening bills, looking at my bank account, and I end up just kind of ignoring the problem until it gets problematic. With Facet it has been such a relief for me”

Jonathan U.
California

“The fee structure is probably the other biggest thing that sent me to Facet and it’s made me very happy with Facet. It puts us at an equal footing with anybody else. It’s not about how much money I have managed by Facet. It’s about us as a client…and as we grow our finances, the attention we get is not gonna change. We’re still a client paying for our Facet services with a fee structure that supports us as just a couple, not as a set of assets.”

Sarah & Michael D.
North Carolina

Frequently asked questions.

What is retirement planning, and why is it important?

Retirement planning is how you build a comfortable life after you stop working.

When you work with a financial planner, you can create a personalized financial roadmap for saving, investing, and managing your money in ways that let you live the retirement lifestyle you want. Working with experienced retirement planning services can help you figure out everything from investment choices to tax strategies.

The truth is, your retirement will likely look totally different from your parents’ or grandparents’. People are living longer, pension plans are rare, and Social Security might not cover all your needs. Having a good plan in place puts you in control of your retirement story instead of leaving things to chance.

When should I start planning for retirement?

Right now! The sooner you begin retirement planning, the more options you’ll have later. Starting early gives your money more time to grow through compound interest (basically, earning returns on your returns). Those contributions add up over time, even if you can only save a small amount each month.

If you’re feeling behind, don’t worry. A financial advisor for retirement planning can work with you to create a strategy that works for where you are today. They’ll help you understand your options and make the most of tools like catch-up contributions for your 401(k) or IRA.

How much money do I need to retire comfortably?

There’s no one-size-fits-all answer, but financial advisor retirement planning services can help you crunch the numbers based on your unique situation. The amount you’ll need depends on factors like:

Your desired lifestyle in retirement
Where you plan to live
Expected healthcare costs
Whether you’ll still have a mortgage
How you want to spend your time (travel, hobbies, family)

A common starting point is aiming to replace about 80% of your pre-retirement income. But remember, this is just a general guideline. Take our financial wellness quiz to get a clearer picture of where you stand and what you might need.

Should I pay off debt or save for retirement?

This is like asking whether to eat healthy or exercise. Ideally, you want to do both! But if you’re juggling debt and retirement savings, here’s a smart approach:

First, capture any employer match on your retirement accounts (it’s free money!)
Then, tackle high-interest debt like credit cards
Finally, balance additional retirement contributions with paying down lower-interest debt

Every situation is different, though. If you feel stuck, check out our investment philosophy to see how we approach these kinds of decisions.

How do I adjust my retirement plan if my goals change?

Life happens, and your retirement plans should evolve with it. Maybe you’ve changed careers, welcomed a new family member, or discovered a passion you want to pursue in retirement. Whatever the reason, it’s totally normal to redirect your retirement plan.

The key is staying flexible and regularly reviewing your strategy with a professional who understands both the technical aspects of retirement planning and your personal goals.

Ready to take the next step? Get started with creating a retirement strategy that works for you.