Tax planning & filing:Confidence you’re doing all the right things with your taxes.
Know what actions to take throughout the year to save on taxes and avoid missed opportunities when it's time to file.
Our memberships* include tax filing, making it easier than ever to take advantage of your available tax benefits.
*Tax filing service is included in our Plus and Complete memberships.
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Never miss an opportunity to save with integrated tax preparation and filing.
Your whole financial picture, in one place.
Finally, your taxes and finances are together in one place. This means your filing is strategically aligned with your financial goals, helping you maximize your savings.
End the tax-time guesswork.
Your tax strategy is built into your financial roadmap, so there are no surprise bills or missed opportunities — and you know you’re getting every tax benefit you deserve.
Expert tax preparation & filing.*
A certified tax professional will prepare and file your return from start to finish, getting you all the credits and deductions you deserve, with a Maximum Refund Assurance.**
*Included with our Plus and Complete memberships.
Turn tax season into a year-round advantage
Expert tax support
An easy experience
Connected to your financial life
Security you can trust
Tax strategies to help keep more of what’s yours.
Taxes can put a damper on many areas of your financial life. Facet uses three tools to minimize their impact on your money while maximizing what you keep.
Tax-smart investing
Invest in thoughtfully-chosen ETFs to help minimize taxes on your earnings. This helps to keep more money working for you in the long run.
Offsetting gains
By strategically selling some investments at a loss, you can offset past gains. This can help you keep more of your hard-earned money.
Tax-advantages as you invest
Utilize proven methods like IRAs, 401(k)s, Roth accounts, and municipal bond funds that offer tax benefits.
Here's what's included.
Explore the benefits of our integrated tax filing.
Simple online dashboard to submit all your tax documents in one place.
A certified tax expert handles your taxes for you, from start to finish (federal and state).
Automated data imported directly from your financial roadmap.
An initial consultation session with a certified tax professional before they prepare your return.
A personal session with a certified tax professional to discuss your expert-reviewed return before filing.
Backed by a Maximum Refund Assurance**
Learn about taxes and how they apply to your finances.
Uncover tax strategies available to you based on IRS rules and regulations.
Extensive scan to determine qualification for credits and deductions.
Identify new ways to invest your money to reduce taxes today.
Maximize your education savings via state-specific 529 plan account recommendations.
Cash-flow saving recommendations using best-practice strategies.
Cash-flow saving recommendations using custom tax-bracket analysis and advanced strategy.
Analyze last year’s tax return for missed tax opportunities that could still be claimed.
Adjust your withholdings to reduce the risk of over or underpayment based on your tax optimized strategy.
Balance tax strategy trade offs as life changes.
Boost your cash flow now, reach your goals sooner, or solve for lifetime tax reduction via tax strategy trade offs.
Determine how you can reduce taxes owed on current accounts.
Offset gains by harvesting tax losses in your taxable accounts.
Diversify your taxable accounts using best practice strategies.
Recommendations for tax-free growth over your lifetime by converting pre-tax funds to Roth using best-practice strategies.
Roth conversion sequencing using custom analysis and advanced strategy.
Diversify your taxable accounts using custom analysis and advanced strategy.
Optimize your savings when taking money out.
Cover your retirement needs via Facet’s pro-rata or qualified first withdrawal strategies.
Customized withdrawal strategy to maximize retirement savings.
Navigate complex tax strategies for your small business and rental properties.
Comprehensive tax planning for members with single member LLCs
Education around the personal impact of LLC and S Corp income
Small business retirement plan education for single member LLCs
Rental property tax deduction optimization, including depreciation strategies and cost segregation study recommendations.
How Facet memberships work.
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.
“We felt more comfortable with the Facet approach, which was a fixed fee that works within your budget.”
Brad and Cat
Oregon
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 tax planning, and why is it important?
Tax planning means looking ahead at your financial decisions to help you save on taxes throughout the year — not just at tax time. A tax advisor can help you make smarter choices about your money while making sure you’re following all the tax rules.
With tax planning, you have a professional in your corner who knows everything about the tax code so you don’t have to. They can help you find opportunities to save money you might miss on your own, whether through deductions, credits, or timing your income and expenses just right.
Want to see how our team approaches this? Check out our investment philosophy, or get started with a personalized plan today.
Is tax planning only for high earners?
No way! Whether you’re making six figures or just starting your career, tax planning services can help you keep more of your hard-earned money. A solid tax strategy can benefit anyone who wants to be smarter about their finances.
Even saving a few hundred dollars in taxes each year adds up over time — that’s money you could invest, save, or use for something important to you.
Not sure where you stand? Take our quick financial wellness quiz to find out.
What changes in my life should prompt a tax strategy review?
Lots of life changes can affect your taxes. Here are the big ones:
- Getting married or divorced
- Having a baby or helping out aging parents
- Buying or selling your home
- Switching jobs or getting a promotion
- Starting a business
- Getting an inheritance
- Moving to a new state
Each of these situations might mean you need to adjust your tax approach. A financial advisor who assists with tax planning can help you manage these changes and find opportunities to save. Plus, they can help you plan ahead so you’re never caught off guard by unexpected taxes.
If you’re running a business, our guide to small business tax has some helpful pointers.
How can a financial planner help maximize the tax advantages of retirement savings?
Your planner can help you make smart choices about retirement savings that could save you money both now and later. They’ll help you figure out:
- Whether to go with a traditional or Roth IRA (it’s not one-size-fits-all)
- How much to put in your 401(k)
- Where to keep different types of investments to make the most of tax advantages
- When to take money out of retirement accounts to minimize taxes
- How Social Security affects your taxes (yep, it might be taxable)
- Ways to reduce taxes when you’re actually retired
Want to learn more? Check out our retirement planning page for the full scoop.
Can a financial planner help with estate planning?
A good financial planner can help make sure more of your money goes to your loved ones instead of taxes. They can help with things like:
- Finding smart ways to give money to family without triggering gift taxes
- Integrating trusts into your overall financial plan
- Making charitable donations work harder for your tax situation
- Planning what happens to your business when you retire
- Using life insurance effectively as part of your overall strategy
- Timing distributions to minimize tax impact
Understanding inheritance tax is important if you want to pass on wealth to your family. We suggest pairing this with solid insurance planning to protect everything you’ve built. Working with a tax advisor now can save your family from headaches later.
Does Facet offer tax guidance for small business and rental property owners?
While we don’t do business planning, we are experts in personal financial planning for business owners. A key part of our integrated tax offering is ensuring your business – including real estate investments – is structured to be as tax-efficient as possible for your personal financial plan. Your dedicated planner works directly with our in-house team of tax professionals to help you analyze the tax impact of big decisions, including:
- Analysis on the tax impact of an LLC vs. S Corp
- Analysis of the tax impact of a purchase or sale of a business
- Guidance on small business retirement plans (like a SEP IRA or Solo 401k)
- Rental property tax deduction optimization, including depreciation strategies and recommendations for cost segregation studies.
What are Facet’s tax filing services?
We offer a premium solution that’s ideal for anyone who wants an expert to handle the entire tax-filing process, from start to finish. This service is included with our Plus and Complete Memberships.
How does tax filing at Facet work?
Our process is designed to be simple and seamlessly integrated into your Facet experience.
It starts with you securely uploading your tax documents to our portal. You’ll have the option to schedule a kick-off call with a certified tax professional to discuss your situation before they begin. From there, your tax expert takes over, preparing and optimizing your entire return. They will notify you when it’s ready for your final review and approval, and then they will file on your behalf.
The tax filing process is the starting point for the year ahead. Key data from your completed tax return feeds directly into your financial roadmap, allowing your planner to see even more of your financial picture and making it even easier to help you make smarter and more tax-efficient decisions going forward.
Why should I file my taxes with my financial planner?
Filing your taxes with Facet transforms tax prep from a reactive, once-a-year chore into a proactive, year-round strategy. For too long, tax filing has been disconnected from long-term financial planning. When your planner and your tax preparer are on the same team, we can ensure that every financial decision you make – from how you manage your investments to how you save for retirement – is done in the most tax-efficient way possible. It’s an important piece of a truly comprehensive financial plan.
What does the “Maximum Refund Assurance” mean?
The Maximum Refund Assurance ensures that if an error occurs during tax preparation, our tax-filing partner will amend your return or reimburse applicable penalty and interest charges subject to our tax-filing partner’s assurance terms.
**Tax preparation and filing is completed through Facet’s designated tax-filing partner. Maximum Refund Assurance is offered through our tax-filing partner and not Facet, and eligible for Facet members in the Plus and Complete tiers. Our tax-filing partner’s terms and conditions will apply.
Maximum Refund Assurance
If you find an error in your return, or a better outcome elsewhere, the tax-filing partner will amend your return. These amendment protections are offered by the tax-filing partner and not by Facet, are only available to Facet members in specific membership tiers, and are subject to the partner’s terms and conditions.