Facet

Facet: flat-fee financial planning for every stage of life

Facet is a financial advisory firm registered as an SEC RIA that structures its service around a flat-fee membership, rather than the traditional model based on a percentage of assets under management. The company presents itself as a provider of objective, commission-free advice, with the premise that the membership fee does not change as the client's wealth grows. Advice is provided by professionals with the CFP® designation.

The firm states it has more than 24,000 members and offers a secure dashboard for clients to track their money and progress, with guided steps, regular check-ins, and ongoing messaging with the team.

Financial planning services

The service catalog covers different areas of the client's financial life, from everyday money management to estate planning:

• Financial wellness: general financial planning focused on broad, everyday goals.
• Investing: goal-aligned strategy, risk assessment, tax-loss harvesting, and guidance on employer plans such as 401(k) and HSA.
• Retirement and life: goal and income assessment, savings and investment planning, tax-advantaged contributions and withdrawals, and ongoing planning before and after retirement.
• Insurance planning: identification of coverage gaps, annual review with recommendations, and support with employer-sponsored insurance (health, life, etc.).
• Tax planning: tax reduction strategy, tax-efficient education savings, analysis of missed opportunities in the previous year's return, and personalized Roth conversions.
• Tax filing: expert preparation and filing, with personalized tax-saving opportunities and a single dashboard for finances and taxes.
• Estate planning: education and guidance, a complete set of state-optimized documents, and a will.
• Equity compensation: planning for grants (optimal exercise and tax plan), guidance on company stock plans (RSU, ISO, etc.), and annual access to an equity compensation specialist.
• Family planning: having a child, marriage, divorce, caring for aging parents, and major purchases.
• Education planning: savings and funding strategies, guidance on financial aid, and student loan repayment strategies.
• Employee benefits: 401(k), IRA, profit sharing, ESOP, and health, disability, and life insurance, among others.

Advice model and investment philosophy

The firm maintains that its approach differs from robo-advisors and the AUM model. Advice is personalized: a financial roadmap tailored to each client is created and updated when their circumstances, needs, or goals change. The company does not charge commissions and states that the flat membership fee remains the same even as wealth grows. The site includes sections dedicated to investment philosophy, investment results, a wellness score, and financial calculators.

Recognition and presence

Facet was included in the USA TODAY Best Financial Advisory Firms 2026 list, published in February 2026 and produced in collaboration with Statista based on an independent survey and other data on 1,000 registered advisors (RIA). The company did not pay a fee to be considered, although it did pay a licensing fee to use the recognition logo in marketing materials.

The firm operates from its headquarters in West Palm Beach, Florida, and serves its members through digital and phone channels.

Client profile and illustrative cases

The material describes representative situations of different profiles: couples in their mid-thirties building an emergency fund and balancing debts; clients starting education savings plans through 529; couples in their early forties saving for a home down payment and reviewing their homeowners insurance; people paying off debts to afford a vacation; and couples in their early fifties planning an early retirement while minimizing taxes. The company clarifies that these cases do not necessarily correspond to current members and are offered for illustrative purposes.

The site includes testimonials from real members, with the warning that one of them received a free membership and cash compensation for their testimonial, while the other did not receive compensation. It also includes third-party opinions from the industry, such as Ramit Sethi and Tyler Gardner, both with cash compensation contracts for their endorsements, as expressly stated.

Service structure and legal disclosures

The company notes that its specific investment management services vary depending on the chosen membership tier. Estate planning is provided through wealth.com, with a non-refundable $100 annual fee that automatically renews unless cancelled in advance; Facet is not a law firm and does not provide tax or legal advice or directly prepare legal documents. Tax preparation and filing is completed through a partner designated by Facet, and the associated amendment protections and guarantees are offered by that partner, not by Facet, and are subject to their terms and conditions.

Location and contact

2054 Vista Parkway, Suite 400, West Palm Beach, FL 33411