RETIREMENT PLANNING
Feel ready for retirement.
Really ready.
Get a roadmap that leads you all the way to and through retirement – covering everything from investing and tax strategies to Social Security and healthcare coverage.
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. America’s Top Financial Advisory Firms 2025 was identified by Plant-A Insights Group in partnership with Newsweek. The analysis was performed on data as of September 2024. 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 11/11/25 (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.
Retirement planning that keeps you looking forward.
A personalized roadmap built just for you.
Investment management to and through retirement.
A “retirement paycheck” that works for you.
What makes Facet different?
One simple, flat membership fee.
No hidden fees, product sales or commissions – just objective advice for one flat fee.
Advice you
can trust.
From a Certified Financial Planner® who understands your goals and sees the bigger picture beyond your investments.
Financial planning for all facets of life.
Your finances, all in one place.
A centralized dashboard shows a complete picture of your finances and tracks your progress towards your goals, giving you clarity so you can feel more confident in every financial move.
Trusted financial guidance, made for real life. See what your roadmap could look like.
What sets our retirement planning apart.
Trusted financial guidance, made for real life. See what your roadmap could look like.
One simple, flat membership fee.
No hidden fees, product sales or commissions - just objective advice for one flat fee.
Advice you
can trust.
From a Certified Financial Planner® who understands your goals and sees the bigger picture beyond your investments.
Financial planning for all facets of life.
Because every decision should be financially smart, we cover every aspect of your finances -- from taxes and investing to retirement, debt, education, equity comp, and more.
Your finances, all in one place.
A centralized dashboard shows a complete picture of your finances and tracks your progress towards your goals, giving you clarity so you can feel more confident in every financial move.
Your goals come first. Always.
Unlike most advisors whose fees grow with your money, ours don't. Facet does things differently. You pay one flat membership fee, no matter your income or portfolio size. And our CFP® professionals make your goals the priority, always.
Why Facet?
For us, it’s simple. Retirement planning should be for everyone.
- An affordable flat membership fee that won’t change even as your money grows.
- CFP® professionals who offer objective advice that puts your goals first, not ours.
- No minimum to get started, so you can build for the future now, whatever your finances look like.
- A comprehensive roadmap that integrates everything: your goals, your budget, your investments, and your future.
Traditional financial advisors
- Charge you by the hour or collect fees based on how much you invest.
- Work on commissions, which might not line up with your priorities.
- May require a certain level of assets before they'll even talk with you.
- May focus on one area only, like investments, without a full picture of your finances.
Answer a few questions so we can advise you best.
You're in good company.
Over 24,000 members on the path to financial confidence.
Testimonials were provided by current members of Facet Wealth, Inc. (“Facet”). 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.
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Never make a financial decision alone again.
Life changes. With Facet, it's easy to get objective personalized financial guidance, so you feel confident at every turn. Here’s how it works:
1. Meet with a financial planner.
2. Build your personalized roadmap together.
3. Get support as you go.
Live the life you want.
Your retirement strategy should be a part of ongoing financial planning that covers every part of your life, right now and in the future.
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.