Personalized Financial Planning Services

Financial Planning to Enrich Your Entire Life

We looked closely at the financial planning industry and found that something was missing: an unbiased, human approach that takes into account all that you are. Our work is founded on three principles:

Financial Planning is for Everything Your Money Touches and Essential to Living Well

Because every decision you make has financial impacts, your financial planning should take into account everything your money touches--not just retirement planning and investments--and be regularly revisited. Like medical care, financial planning for your entire life is essential to living well.

Financial Planning Should be Unbiased and Delivered by Certified Professionals

Your financial security is critical to your well-being. That’s why financial planning should only be offered by a licensed, trained CFPⓇ professional who meets with you personally and acts solely in your best interest (no commissions).

Financial Planning Should be Accessible With or Without Money to Invest

Financial planning should be about your needs, regardless of how much money you have to invest. Whatever your circumstances, you should have access to reliable, personalized financial planning that advocates for you and is offered for a fixed fee.

How We Can Help

Your financial life is impacted by much more than the market. Unplanned and planned changes are a part of life, so your CFPⓇ Professional at Facet Wealth will work with you on an ongoing basis to create the best possible outcomes.

Life Milestones

Getting married or having children
Separation or divorce
Healthcare or medical expenses
Inheritance or a death in the family
Buying or renting a home
Elder care planning

Career Changes

A new job, raise or career change
Employee stock plan questions
Starting a business
Benefit selection

Investments & Taxes

Investment management and optimization
Retirement account management
Market and tax law changes
Tax planning questions

Retirement Planning

Distribution strategies
Generational transfers and charitable giving
Navigating Social Security
Healthcare planning

How We’re Different

At Facet, we never sell products, so our success is only measured in terms of your satisfaction and financial security. We achieve this through personalized financial advocacy that’s changing expectations, industry-wide. Here’s how we set ourselves apart.

		Traditional Financial Advisor	Robo-advisor
What am I actually getting?
What am I actually getting?	Personalized, jargon-free advice for everything money impacts in your life + help executing your plan	Usually a 30-60+ page report that mostly focuses on your investments	A “robot” or algorithm, that manages your investments; sometimes can ask a person one-off questions for an additional fee
What are the minimum assets required?
What are the minimum assets required?	$0	Typically $100K or more	Varies
How is my planner qualified?
How is my planner qualified?	Always a CFPⓇ professional (the highest possible certification) and fiduciary	Titles are unregulated and misleading - not always a CFPⓇ professional	No, or limited access to, a financial planner
How will we meet?
How will we meet?	Four meetings/year (on average) accessed from anywhere, on your schedule	Typically one or two meetings/year, usually in-person, during business hours	No--or only ad hoc--meetings
How will technology be used?
How will technology be used?	Easy-to-use platform with key info in one place	Technology is usually not a central part of the service	Technology is typically the only service offered
How will my fees be calculated?
How will my fees be calculated?	One fixed fee based on your needs	Varies; typically a % of what you invest, plus fees. Cost increases as your money grows.	A % of what you invest, plus fees. Cost increases as your money grows.

Learn more about Facet’s fixed fee

Frequent Questions

Why should financial planning be an ongoing, subscription service?

When it comes to financial planning, you need a trusted advocate who looks at the big picture–including, but not limited to, your investments. Your planner should advise you on the financial aspects of life events like retiring, having a baby, or starting a business, and they should keep up with your evolving needs with regular check-ins. That’s why our advisors meet with clients four times a year, on average, and check in as needed between meetings. And our subscription model means you’ll get uninterrupted advice, with no sales pitches.

Why is it important to only work with a CFPⓇ professional?

At Facet Wealth, every single client has their own CFPⓇ professional that works with them one-on-one. The CERTIFIED FINANCIAL PLANNERTM certification–or the CFPⓇ certification–is the gold standard in the industry. CFPⓇ professionals are rigorously trained in 72 areas of expertise, and must accrue thousands of hours of experience prior to certification. They are held to fiduciary standards and prioritize your best interests above all else.

How does Facet Wealth make money when there’s no asset minimum?

Typically, financial planning fees are based on a percentage of your assets, so your cost increases along with your wealth. At Facet Wealth, we charge a fixed fee based directly on your needs. This gives us the freedom to serve anyone, regardless of their assets, instead of working only with people who have already accumulated significant wealth. This model also lets us help our clients build brighter financial futures overall, rather than focusing on investments alone. And, because our Facet CFPⓇ professionals don’t sell products or make commissions, they are focused only on your best outcomes. This big-picture approach to financial planning is supported by a fixed subscription fee, so you can have consistent financial advocacy whatever your needs may be.

Why is Facet Wealth a virtual service?

By working virtually, Facet gives you access to the highest level of financial planning available, wherever life takes you. With a growing staff of over 100 CFPⓇ professionals working virtually, we can match you with someone who’s perfect for your unique needs, regardless of location. We’ll meet with you according to your schedule, without the hassle of commuting to an office. Working virtually also allows us to offer the highest level of financial advice at an affordable cost (it’s also why we grew 4x in 2020 alone!).

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Grow Your Knowledge

We think financial planning information should answer more of the questions we all have and be less complicated. Learn about how we approach personal finance through our library of free articles that will help you deepen your financial literacy.