Retirement planning: Move confidently toward your financial future.
Retirement planning is an ongoing process, but a rewarding one. We’ll guide you through each step to make sure you’re on track for a fulfilling retirement.
What stage are you in?
Pre-retiree
No matter where you are on your journey, it’s never too late to plan for retirement. We’ll help develop a personalized roadmap to get you there.
Retiree
Your retirement plan should evolve with you. Looking to stretch your savings longer, create more income, or plan for healthcare expenses? We’ve got you covered.
Common retirement regrets**
Haven’t saved enough to retire.
Didn’t start saving early enough.
Didn’t account for health issues affecting retirement age.
Took Social Security too early.
Achieve financial fulfillment at any stage of life.
The traditional view of retirement is evolving. It’s not a fixed endpoint anymore, but rather a chance to craft a fulfilling next chapter with the freedom to choose how you spend your time and money.
Today’s happiest retirees aren’t defined by inactivity; they’re actively pursuing passions, volunteering, or coaching. Their secret? Financial security empowers them to make choices aligned with their values.
That’s true freedom.
*Source: NBER WORKING PAPER SERIES – “Financial Regret at Older Ages and Longevity Awareness”
Your future is more than a number.
While other financial planning companies ask, “what’s your number,” we ask questions like these:
- “What does your ideal retirement look like?”
- “Are you looking to stay in the area?”
- “What will you do with your new free time?”
- “Do you think you’ll want to stop working overall, or rather switch careers or volunteer?”
- “When would you like to retire?”
- “How would buying a home, moving, or paying for your children’s college affect your ability to retire?”
How a Facet memberships work.
Our flat-fee 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.
“We feel more empowered navigating our finances, more than we ever have. Facet’s dashboard keeps us organized and gives us a clear understanding of where we’re tracking with our goals, budget, and more. Very user friendly.”
Hanna
New York
“After taking the time to get to know my goals and personality, Facet matched me with an advisor… Not only is [my CFP®] willing to discuss my own finances, she takes the time to answer any questions I have about the world of finance more generally, and I come out of each meeting having learned something new. I highly recommend Facet Wealth to anyone looking for financial advice.”
Isabella Z
Massachusetts
“Facet has completely changed my outlook on how I handle my finances and my confidence in my financial stability and strength in the future. My planner and the team are incredible, and just as excited as I am about building a strong financial future for me.”
Steve E
Massachusetts
“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.