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Facet's planners are CFP professionals acting as fiduciaries, and investment management is included. It is a legitimate SEC-registered investment adviser (Facet Wealth, Inc., CRD 285961) that charges a flat yearly membership instead of a percentage of your assets. List prices are $2,600 (Core), $5,500 (Plus) and $8,700 (Complete), with promo prices listed through October 16, 2026 when we checked. It's best value with larger balances, since Core costs as much as a 0.30% advisory fee on about $850,000.
- Membership price
- Core $2,600, Plus $5,500, Complete $8,700 a year at list price; a promotion listed through October 16, 2026 showed $2,400, $5,000 and $7,9001
- Enrollment fee
- $300, waived if you pay annually; quarterly billing also available1
- Refunds
- Core, Plus and Complete memberships are annual, non-refundable agreements that renew each year2
- Investment management
- Included in the flat fee, no account minimum to join, $500 minimum initial purchase for investment accounts; Fidelity is the main custodian3
- Planner meetings
- Core: 3 meetings in year 1, then 1 a year; Plus: 3, then 2; Complete: 4, then 4, with a dedicated CFP professional1
- Regulator
- Facet Wealth, Inc., SEC-registered investment adviser since December 15, 2016 (CRD 285961), notice filed in all 50 states and D.C.4
- Size
- $8.69 billion in regulatory assets across 47,740 accounts and about 16,000 clients with managed assets, per its October 2026 Form ADV5
- Fee after you leave
- $10 per month per account if you cancel and leave investment accounts at Facet's custodian3
Pros
- Flat fee that doesn't rise as your assets grow
- Planners are CFP professionals acting as fiduciaries, paid salary and bonus, not commissions
- Covers budgeting, debt, taxes, insurance, education and retirement in every tier
- Investment management included with no extra advisory fee
- 4.8 of 5 on Trustpilot from 1,565 reviews and an A+ BBB rating
Cons
- Annual memberships are non-refundable
- Core members get one planning meeting a year after year 1 and work with a CFP team, not one planner
- $2,600 list price costs more than a percentage fee on smaller balances
- Virtual only, no in-person meetings
- $10 per month per account if you leave accounts behind after cancelling
Best for: Households with larger or more complex finances who want ongoing CFP advice across taxes, investing and retirement at a predictable yearly price.
Skip it if: You have a small or simple portfolio, want face-to-face meetings, or only need a one-time plan.
Facet vs. competitors
| Company | How you pay | Cost on a $750,000 portfolio | Minimum | Human planner |
|---|---|---|---|---|
| Facet | Flat annual membership | $2,600 a year (Core list price) | None to join; $500 per investment account | CFP team (Core) or dedicated CFP (Complete) |
| Vanguard Personal Advisor | About 0.30% of assets a year | About $2,250 to $2,325 a year | $50,000 | Yes, a Vanguard advisor team (dedicated CFP only at Select, $500,000) |
| Betterment Premium | 0.65% of assets up to $1 million | $4,875 a year | $100,000 | Yes, CFP professionals |
Facet pricing at a glance
Facet memberships, as listed October 20261
| Tier | List price per year | Promo price (ends Oct 16, 2026) | Meetings year 1 / later years | What's added |
|---|---|---|---|---|
| Core | $2,600 | $2,400 | 3 / 1 | Financial and retirement plan, cash flow and debt planning, tax strategies, insurance and education planning, ETF investing; CFP team |
| Plus | $5,500 | $5,000 | 3 / 2 | Adds tax filing by a certified tax professional, equity compensation planning, alternative income investing; dedicated CFP team |
| Complete | $8,700 | $7,900 | 4 / 4 | Adds a dedicated CFP professional, comprehensive tax-savings analysis by a tax specialist, direct indexing |
| Estate planning add-on | $1,200 first year, then $100 | $800 first year at sign-up | Not applicable | Will, revocable trust and powers of attorney through Wealth.com |
Prices apply to annual payment. Quarterly billing adds a $300 enrollment fee. Memberships are non-refundable. Facet's Form CRS says fees generally range from $2,600 to $10,000 a year depending on need, and its direct indexing sub-adviser can charge up to 0.15%.
Facet, step by step
Intro call
Book a free call, describe your finances and goals, and Facet suggests a membership tier.
Join and pay
Sign an annual, non-refundable agreement and pay yearly (no enrollment fee) or quarterly ($300 enrollment fee).
Build your plan
Your CFP professional or team reviews income, debt, savings, insurance, taxes and goals and builds a financial roadmap.
Ongoing planning
Get unlimited messaging plus 1 to 4 planning meetings a year by tier, and optional investment management at Fidelity.
Cancel
Cancel in writing or in your dashboard before renewal. Fees already paid aren't refunded, and accounts left at the custodian cost $10 a month each.
Facet legitimacy and licensing
Yes. Facet Wealth, Inc. of West Palm Beach, Florida has been an SEC-registered investment adviser since December 15, 2016 (CRD 285961) and is notice filed in every state and D.C. Its October 2026 Form ADV reports $8.69 billion in regulatory assets across 47,740 accounts, held mainly at Fidelity.
The firm’s SEC record shows no disclosure flag. Its Form CRS still answers yes to the question about legal or disciplinary history for the firm or its professionals, so look up your assigned planner on the SEC’s adviser search before you sign. Facet is BBB accredited with an A+ rating and 22 complaints in three years, and holds 4.8 out of 5 on Trustpilot from 1,565 reviews. It’s unrelated to Facet Investment Management Ltd, a UK firm that went into administration in 2024.
a Facet financial advisor cost
Facet lists three memberships: Core at $2,600 a year, Plus at $5,500 and Complete at $8,700. When we checked, the site showed promotional prices through October 16, 2026 for of $2,400, $5,000 and $7,900. Paying quarterly adds a $300 enrollment fee. Estate documents through Wealth.com cost $1,200 the first year and $100 a year after. Older reviews that quote a $900 to $10,000 range are out of date; Facet’s own disclosure now says $2,600 to $10,000.
The flat fee pays off as balances grow. At Vanguard Personal Advisor’s roughly 0.30% rate, $2,600 equals the fee on about $840,000 to $870,000; at Betterment Premium’s 0.65%, it equals the fee on $400,000. Below those levels a percentage fee is cheaper.
What Facet's planning includes
- Cash flow, savings and debt: budgeting, short and long-term savings strategies and debt payoff plans.
- Investing: ETF portfolios with monitoring, rebalancing and tax-loss harvesting, plus 401(k), HSA and FSA guidance.
- Taxes: tax-savings strategies in your roadmap; Plus adds tax filing by a certified tax professional and Complete adds a tax specialist’s analysis.
- Insurance and education: coverage gap reviews and college savings and tuition strategies.
- Retirement: retirement roadmap, income plan, Roth conversion analysis and RMD reminders.
Facet isn’t a law firm; estate documents come through Wealth.com.
What customers say about Facet
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Knowledgeable CFP planners who tie advice to bigger goals
- Quick replies through messaging
- Clear action items after meetings
- A flat fee that doesn't grow with the portfolio
Common complaints
- Billing that continued after members thought they had cancelled, and no refunds
- Slow onboarding and hard-to-book meetings
- Planner turnover or inconsistent communication
- Dashboard gaps, such as limited visibility into outside accounts
- Advice that leaned toward moving assets to Facet
Complaints and how to avoid them
Most negative reviews focus on billing and access rather than advice: members billed again after they believed they had cancelled, refunds refused under the non-refundable terms, slow onboarding, hard-to-book meetings and planner changes. Some reviewers felt advice centered on moving assets to Facet.
To avoid these problems, note your renewal date, cancel in writing or through the dashboard before it, move investment accounts out when you leave, and ask before joining whether you’ll have one planner or a team.
Cancelling Facet
Facet’s agreement continues until you notify it in writing or cancel through your membership dashboard. All Core, Plus and Complete fees are non-refundable, so cancelling mid-year doesn’t return the unused part of an annual payment. Facet must give 30 days’ written notice before raising your fee. If you cancel and leave investment accounts at Facet’s custodian, each account is charged $10 a month.
Your protections with a registered adviser
As an SEC-registered investment adviser, Facet owes you a fiduciary duty: it must act in your best interest and disclose conflicts. Its Form CRS lists some, such as the incentive to push annual prepayment and revenue from third-party services like estate documents. Planners are paid salary plus bonuses tied to member retention and satisfaction, not commissions. You can read Facet’s Form ADV and look up any planner free at adviserinfo.sec.gov or Investor.gov.
Alternatives to Facet
- Vanguard Personal Advisor Cheaper than Facet Core until your portfolio passes roughly $840,000 to $870,000, with a $50,000 minimum. Read review
- Betterment Premium Unlimited CFP access bundled with investing, cheaper than Facet Core on balances below $400,000. Read review
- Hourly or one-time plan from a fee-only CFP If you need a plan once rather than ongoing advice, a one-time plan can cost less than a year of membership; check credentials at the CFP Board.
- Free tools and employer benefits Many 401(k) providers and employers offer free planning sessions, and Investor.gov has free calculators for simple situations.
Facet reviews
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Frequently asked questions
How much does Facet cost?
Core is $2,600 a year, Plus $5,500 and Complete $8,700 at list price, with promo prices of $2,400, $5,000 and $7,900 listed through October 16, 2026 when we checked. Quarterly billing adds a $300 enrollment fee.
Is Facet a fiduciary?
Yes. Facet is an SEC-registered investment adviser and says all its planners are CFP professionals who act in your best interest. Planners are paid salary and bonus, not commissions.
Is Facet worth it?
It's most cost-effective with larger or more complex finances. Core's $2,600 list price matches a 0.30% advisory fee on about $850,000 and a 0.65% fee on $400,000; below that, a percentage-fee service or one-time plan may cost less.
Can I get a refund from Facet?
Generally no. Core, Plus and Complete memberships are annual, non-refundable agreements that renew each year, so cancel before your renewal date.
Does Facet manage my investments?
Yes, if you want it to. Investment management is included in the fee, accounts are held mainly at Fidelity, and new investment accounts need a $500 minimum purchase.
Will I have one dedicated planner?
Only on Complete. Core members meet with Facet's CFP professionals, Plus members get a dedicated CFP team, and Complete members get a dedicated CFP professional.
Does Facet do my taxes?
On Plus and Complete, a certified tax professional prepares and files your federal and state returns. Core includes tax-savings strategies but not filing.
Does Facet meet in person?
No. Meetings are virtual, with unlimited messaging between meetings.
What is Facet's BBB rating?
Facet Wealth, Inc. has an A+ BBB rating, has been accredited since June 13, 2025, and shows 22 complaints in the last three years.
Is Facet the same as the UK firm Facet that went bust?
No. Facet Investment Management Ltd was a UK wealth manager that entered administration in August 2024. Facet Wealth, Inc. is a separate U.S. adviser in West Palm Beach, Florida.
Sources (11)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Facet: Pricing (accessed October 12, 2026)
- Facet: Annual payment terms and conditions (accessed October 12, 2026)
- SEC IAPD: Facet Wealth Form CRS, October 2, 2026 (accessed October 12, 2026)
- SEC Investment Adviser Public Disclosure: Facet (CRD 285961) (accessed October 12, 2026)
- SEC IAPD: Facet Form ADV Part 1 (accessed October 12, 2026)
- BBB: Facet Wealth, Inc. business profile (accessed October 12, 2026)
- Trustpilot: Facet reviews (accessed October 12, 2026)
- CFPB: Consumer complaint database search (accessed October 12, 2026)
- Vanguard: Compare financial advice services (accessed October 12, 2026)
- Betterment: Pricing (accessed October 12, 2026)
- FSCS: Facet Investment Management Ltd failed firm notice (accessed October 12, 2026)
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