TAX PLANNING
Make the right moves with your taxes.
Put forward-looking tax strategies to work all year long and take advantage of every tax-saving opportunity. It’s all part of a flat-fee membership that includes tax planning and filing.*
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.
We bring strategy and clarity to your tax planning.
Most people treat taxes like an annual headache. We see it as an opportunity to save. With us, your tax strategy works hand-in-hand with your goals and your personalized financial roadmap.
End tax guesswork with an expert.
Take advantage of tax-saving opportunities.
Your whole financial picture, in one place.
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 makes Facet different?
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.
Most advisors earn more when you do. We don’t. Facet charges one flat membership fee and gives you personalized strategies for year-round tax savings. Our CFP® professionals make your goals the priority, always.
Why Facet?
For us, it’s simple. Financial 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.
As featured in
Never make tax and financial decisions 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.
Less tax stress.
More living on your terms.
With a smarter tax strategy as part of your financial roadmap, you can stop worrying about what you might be missing and have more time to focus on what matters most.
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 new tax filing services?
We offer two integrated tax filing solutions to provide the level of expert support that’s right for you:
- Online filing, tax expert-reviewed: This option is perfect if you’re comfortable preparing your own taxes but want the peace of mind of a professional safety net. You’ll use intuitive software to prepare your return, and then a tax expert will review it for accuracy and potential savings opportunities before you file. This is is included with our Plus Membership.
- Start to finish prep and filing by a tax expert: This is our hands-off, premium solution. It’s ideal if you have a more complex tax situation (like a small business or rental properties) or if you simply want an expert to handle the entire process for you, from start to finish. This is is included with our Complete Membership.
How does tax filing at Facet work?
Our process is designed to be simple and seamlessly integrated into your Facet experience.
- For online filing, tax expert-reviewed: You’ll start by preparing your return at your own pace using intuitive software. When you’re finished, you’ll submit it, and a dedicated tax professional will review your return for accuracy and opportunities. You can ask questions during the review process and have an optional call with a tax expert to discuss the results before you file.
- Start to finish prep and filing by a tax expert: The process 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.
No matter which option you choose, 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.
Who is April Tax Solutions?
April Tax Solutions is our trusted partner that powers the Facet tax experience. They are an industry leader in tax preparation and filling and are an official IRS-authorized e-file provider, which allows us to offer a best-in-class service.
However, your experience will be completely integrated within the Facet platform. You will not need to create a separate account, remember another password, or navigate to a different website. We handle the integration on the back end to provide you with a single, seamless experience.
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.
How do I know which tax filing service is right for me?
Facet can help you make the best choice, but here’s a general guide:
- The online filing, tax expert-reviewed service is a great fit if you have a moderately complex situation (e.g., you itemize deductions or have investment sales) and want the confidence of a professional review.
- The full-service certified tax professional filing is ideal if you have a more complex situation (e.g., a small business, rental properties, or K-1s) or if you simply prefer to delegate the entire process to an expert.
What do the "Maximum Refund" and "Accuracy" guarantees* mean?
These guarantees are offered through our partner, April, to give you complete peace of mind.
- Maximum Refund Guarantee: If you get a larger refund or smaller tax due with another tax prep method, April will refund the applicable fees you paid.
- Accuracy Guarantee: If there is an error in the April software that results in a penalty from the IRS, April will reimburse you for the penalty and associated interest.
Why don’t I get guarantees with the online filing, tax expert-reviewed service?
The guarantees are tied to who is legally responsible for preparing and signing your tax return.
With our start to finish prep and filing by a tax expert, our partner’s certified tax professional is the official preparer and signs the return, taking on the professional responsibility for its accuracy. With the online filing, tax expert-reviewed service, you are still the official preparer of your return. A tax expert provides a professional review and expert guidance, but because they are not preparing the return from scratch, they cannot legally sign it as the preparer and extend the same guarantees. This distinction is what allows us to offer this valuable review service at a more accessible price point.
*Tax preparation and filing is completed through April Tax Solutions, Inc. (“April”). The Maximum Refund and 100% Accuracy guarantees are offered through April and not Facet, and only eligible for Facet members in the Complete tier. April’s terms and conditions for those guarantees will apply.
April’s Maximum Refund Guarantee
Maximum refund guarantee is provided by April. If you use April’s service to prepare and file your return and you find an error in the tax preparation that entitles you to a larger refund (or smaller liability), you may use their service to amend that return at no additional charge. To qualify, the larger refund or smaller tax liability must not be due to differences or inaccuracies in data supplied by you, your choice not to claim a deduction or credit, positions taken on your return that are contrary to law, or changes in federal or state tax laws.
April’s Accuracy Guarantee
If April’s tax preparation software makes a mathematical error that results in your payment of a penalty and/or interest to the IRS that you would otherwise not have been required to pay, April will reimburse you up to a maximum of $10,000.