The retirement planning you’ve been waiting for.
Take the guesswork out of retirement.
Prep for retirement.
Spend with confidence.
Stay on track.
Facet will do the heavy-lifting for you.
- Social security: Optimize your filing age to maximize lifetime payouts.
- Medicare: Navigate enrollment and choose the right coverage for your health needs.
- Pension plans: Evaluate your payout options to ensure long-term stability.
- Advanced tax strategy: Help lower your tax bill with strategies like Roth conversions and tax-loss harvesting.
- Withdrawal strategy: Create a sustainable income plan to help you live the life you want in retirement.
How are you tracking towards retirement?
Use the tool below to see where you stand today.
Your Information
This 401k calculator uses a compounding interest formula to project the users potential 401k savings over time. The calculator also does not indicate the IRS Maximum Allowances for contributions and retirement catch up, which can be found here. The calculation assumes a steady rate of return and does not account for market volatility, changes in tax laws, or other factors that could affect your actual savings. Facet is an SEC registered investment adviser. This calculator is for information purposes only and is not intended to provide investment, legal, tax or accounting advice. The accuracy of this projection is not guaranteed nor is it necessarily applicable to your circumstances. All calculations are for information and illustrative purposes, and based on the user’s inputs at a point in time, and do not account for Facet membership fees, market fluctuations, or any other specific situations. This is not an offer to sell securities or the solicitation of an offer to purchase securities. All investments carry a degree of risk and past performance is not a guarantee of future results.
If your portfolio grows, a percentage-based advisor gets a raise. We think that’s broken.
That’s why we replaced expensive percentages with a flat membership fee.
Total fees paid to advisor
Ending value of portfolio
*Based on a study conducted by Facet in May of 2024. A complete data set was reviewed for core recommendations made for each of Facet’s service levels. That data showed that the majority of Members achieved value greater than their planning fee. This value was shown to reoccur on an annual basis. Assumptions included average expenses and fees, using retirement tax savings, portfolio expenses, debt refinance, tax loss harvesting, and potential insurance premium savings as value drivers using Facet’s investment services, and discounting value to align with the acceptance of Facet recommendations. Facet has tiered pricing packages based on the individual service needs of the member. There is no separate or additional fee for investment management. This is not a guarantee or prediction of actual results for any member and results may vary by member. Some value like tax loss harvesting may vary year to year.
Don’t just take our word for it.
Tyler Gardner
Finance Educator (3M+ Followers)
Ramit Sethi
Author & Host of “I Will Teach You to be Rich” Podcast
Facet has a 4.7-star rating with NerdWallet as of October 2025, period considered Aug – Oct. 2025. This review is unpaid, but Nerdwallet receives referral compensation. USA TODAY/Statista ranked Facet #1 Best Financial Advisory Firm in April 2025 based on an independent survey and AUM analysis. Trustpilot rating as of 2/13/26 (may fluctuate); based on reviews since Jan 2022. BBB A+ Rating as of Oct 2025, based on reviews, complaints, time in business, etc; this Accreditation does not imply BBB approval/ endorsement. BBB is a paid membership; no compensation was paid for these ratings, rankings, or reviews. More details here.
Tyler Gardner and Ramit Sethi are not members of Facet, and have an incentive to endorse Facet as they have an ongoing fee-based contract for cash compensation, and Tyler has a percentage of equity in Facet, based on this endorsement. All opinions are their own and not a guarantee of a similar outcome.
Facet is a RIA with the SEC. Greg is a paid creator, not a Facet employee or member, and received one-time compensation for this video. Past performance doesn’t guarantee similar future results.
Keep your retirement savings for yourself.
- Flat membership fee: One transparent price for everything we do. No hidden fees, ever.
- Keep your money: Traditional advisors often make more as your assets grow. With Facet, your fee doesn't increase just because the market does.
- Designed for your retirement: When you shift from saving to spending, every dollar counts. Our model may help protect your savings from fee erosion over time.
- Objective advice: Our recommendations are based solely on what’s best for your goals.
Real stories. Total confidence.
*Testimonials were provided by current members of Facet. Jonathan, Elisse, David, JMB, Jeffrey, and Heather have not been paid for their testimonial and there are no material conflicts of interest that would affect the given testimonials. received a free membership for providing this testimonial. 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.
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.