Facet Wealth Review for 2026: Ready To Start Planning Your Future?

If you're looking for a comprehensive wealth management solution, Facet Wealth may be a good option to consider.

This company offers a wide range of services, including investment advice, estate planning, and tax planning, with tax filing available at certain membership levels through third-party partners.

Facet Wealth Overview

Facet Wealth is a financial planning and investment management firm that serves people of all income levels. The company was founded in 2016 by Anders Jones, Patrick McKenna, and Brent Weiss.

It is headquartered in West Palm Beach, Florida, but has clients across all 50 states and planners located throughout the US who meet with members virtually.

The main focus of Facet Wealth is to provide comprehensive financial planning services to help people save for retirement, pay down debt, and build wealth. Its core planning areas now span retirement, investing, insurance, tax planning and filing, family planning, education planning, estate planning, and equity compensation.

The company starts by getting to know its clients and their financial goals. It then creates a personalized financial plan based on that information. Finally, Facet Wealth provides ongoing support and advice to help clients stay on track with their goals.

Facet Wealth's investment philosophy is based on linking investing to a broader financial plan, keeping costs low, and avoiding market timing, with an approach the company says is informed by Nobel Prize-winning research.

Main Features

Facet Wealth provides a variety of services, including investment advice, retirement planning, estate planning, and tax planning. Depending on the membership tier, members may also get online tax filing or tax filing by a certified tax professional through Facet’s partners.

The company has a team of financial planners who work with clients to create a personalized financial plan. This plan is designed to help you achieve your short-term and long-term financial goals.

Facet Wealth has many features that set it apart from its competitors. These comprehensive features make it an ideal solution for those looking for a one-stop shop for financial planning. You can use Facet Wealth in a number of ways.

For Your Career Goals

If you're looking for help with your career goals, Facet Wealth can provide planning around employer benefits, workplace retirement accounts, and, in higher tiers, equity compensation. It does not appear to position itself as a job-recommendation service.

For Your Retirement

Facet Wealth can help you plan for retirement by creating a personalized retirement plan. This plan will take into account your current financial situation, goals, and expected retirement date.

A financial advisor will review your current situation and provide guidance on how to save for retirement and how to invest your money so that you can reach your goals.

For Your Family

If you're planning on starting a family, Facet Wealth can help you with financial planning for this major life event. The company will work with you to create a budget and provide tips on saving for your child's education.

Facet Wealth can also help you with estate planning so that your family is taken care of in the event something happens to you. Complete members get estate planning with legally binding, state-specific documents through Wealth.com, while availability is more limited in lower tiers.

For Your New Home

If you're planning on buying a home, Facet Wealth can help you with the financial aspects of this major purchase. The company will work with you to create a budget and plan how to save for a down payment.

Rather than acting as a mortgage broker, Facet positions this as part of a broader financial roadmap and goal-planning process, supported by its online dashboard and educational content.

Pricing

Facet Wealth charges an annual flat fee based on the services you choose. Membership fees generally range from $900 to $10,000 per year, while the public pricing page currently highlights tiered memberships such as Foundations, Core, Plus, and Complete.

The Foundations plans is priced at about $1,000 per year, Core at $2,350 per year, Plus at $3,850 per year, and Complete at $7,950 per year on annual billing promotions, but these promotional prices are time-limited and can change.

Unlike many other financial planning companies, Facet does not have any fees on assets under management or any commissions on the services it provides. You'll know exactly how much you’ll be paying each year, and there’ll be no surprises.

There is also a $300 enrollment fee for members who choose certain non-annual billing cycles, and Core, Plus, and Complete memberships are described as annual, non-refundable agreements.

Sign-Up Process

If you're interested in using Facet Wealth, you’ll be glad to know that the sign-up process is very simple and involves only a few steps.

You should start by filling out the form on the website. To do this, you’ll be asked to provide your first and last name, email address, and phone number. After you've submitted the form, you can expect a call from a Facet Wealth representative within 24 hours.

During this call, you’ll get the chance to ask any questions you have about the company and its services. The expert will also assess your financial situation and goals to see if Facet Wealth is the right fit for you.

If you feel ready and would like to move forward with Facet Wealth, you can schedule a meeting with a CFP® professional at Facet Wealth and get started on creating your personalized financial plan.

How Facet Wealth Compares to its Competitors

When it comes to financial advisors, there are many different companies that you can choose from. Facet Wealth is an excellent option, but it's not the only one. Here's how it compares to some of its major competitors.

Facet Wealth vs. SmartAsset

Both companies can help people looking for financial guidance, but they don’t operate in quite the same way. Facet is a direct financial planning and investment management firm, while SmartAsset is primarily known for its advisor-matching tool and financial education content.

Facet Wealth is focused on providing high-quality advice and services to its clients. The company has a team of certified financial planners who work with clients to develop customized plans. In addition, clients can use a suite of online tools and resources to manage their finances.

On the other hand, SmartAsset helps users compare and connect with financial advisors and also offers calculators and educational resources, rather than operating as a single flat-fee planning membership like Facet.

While both companies offer a comprehensive approach to financial planning, each one has its unique strengths and weaknesses. As such, it’s essential to evaluate your needs to choose the best provider for you.

Facet Wealth vs. Empower

Both of these companies offer comprehensive financial planning services, but there are some key differences between them.

While Facet Wealth is a financial advisor service focused on flat-fee planning with CFP® professionals, Empower offers digital money tools alongside advisory services that become available at higher asset levels.

When it comes to investment management, both firms offer similar services, but Empower states that Personal Strategy advisory services are available at $100,000 or more, with higher service levels at $250,000 and $1 million, while Facet has no minimum to become a member.

And finally, when it comes to fees, Facet charges a flat annual fee, while Empower charges a percentage of assets under management.

So, which option is right for you? That depends on your individual needs and circumstances. If you're looking for comprehensive financial planning and are comfortable working with a traditional advisor, Facet Wealth may be a better choice.

However, if you're looking for a hybrid experience with free tracking tools and asset-based advisory options, Empower may be a better option.

Customer Satisfaction

Although it has an A+ rating with the Better Business Bureau, Facet is listed by BBB as not accredited, and the profile shows 26 complaints.

That doesn’t automatically make it a poor choice, but it does mean prospective members should read the fee terms carefully, especially because several Facet memberships are explicitly described as non-refundable.

If you're considering working with Facet Wealth, it's important to weigh both the positive and negative reviews to ensure that the company is a good fit for you.

Our Verdict

As we conclude this review, we can say that Facet Wealth is a good choice for financial planning and investment management. The company has some great features, like its flat-fee pricing structure and ability to work with clients with a wide range of asset levels.

Overall, Facet Wealth is a strong fit for people who want ongoing, virtual financial planning with access to CFP® professionals and investment management that isn’t priced as a percentage of assets.

Whether you’re looking for long-term investment advice or broader help with taxes, retirement, insurance, education, and estate planning, Facet Wealth covers far more than basic portfolio management.

However, you should be aware of the fees before you sign up for this service, and review which features are included in your tier since some of the most advanced tax, estate, and investing tools are not available in every membership.