Categories
Review 2026
BestGuide Score
4.4
out of 5
Facet earns a BestGuide Expert Score of 4.4/5.0 for its retirement planning service. It pairs every member with a Certified Financial Planner (CFP) professional for a flat annual membership fee that starts at $2,600, covering retirement income strategy, Social Security and Medicare timing, tax-efficient withdrawals, and required minimum distribution (RMD) tracking. The flat-fee model means your cost does not climb as your retirement savings grow, which sets it apart from advisors who charge a percentage of assets.
Facet earns an Expert Score of 4.4 out of 5.0 from BestGuide, positioning it as a strong retirement planning option for individuals and couples who want a dedicated advisor without percentage-based fees. This Facet review focuses on its retirement planning service, where the flat-fee membership model decouples what you pay from how much you have saved. Instead of charging a typical 1% of assets under management (AUM), Facet’s membership tiers run from $2,600 to $8,700 per year, set by the service level you choose rather than your account balance.
Our analysis of Facet reviews and its retirement service shows it delivers real value by giving every member a CFP professional who acts as a fiduciary, meaning they are legally required to act in your best interest. Facet builds a personalized retirement roadmap spanning income planning, Social Security strategy, healthcare costs before Medicare, Roth conversions, and estate planning, all delivered virtually in all 50 states. See how BestGuide calculates Expert Scores, or compare Facet with other top retirement planning companies.
Facet’s retirement process is entirely virtual and available in all 50 states. It begins with a free introductory call to understand your goals and timeline, then matches you with a dedicated CFP professional. Your planner starts with a Retirement Life Interview, mapping not just your numbers but the life you want in retirement, from travel to part-time work to family time.
Your CFP then builds a personalized retirement roadmap. It covers retirement income planning across Social Security, pensions, annuities, 401(k)s, IRAs, and brokerage accounts, plus a tax-efficient withdrawal strategy so you know which accounts to draw from and when. The roadmap also addresses healthcare and long-term care costs, including how to bridge coverage before Medicare eligibility.
Ongoing support is built into the membership. Your planner tracks required minimum distributions (RMDs) and sends reminders, models whether Roth conversions make sense, and adjusts the plan as tax law or your circumstances change. Members reach their CFP by video call, phone, and unlimited messaging, and the Facet dashboard centralizes accounts and progress. The flat annual fee covers all of this with no per-meeting charge.
According to BestGuide’s analysis, Facet is best for pre-retirees and retirees who want an ongoing relationship with a dedicated fiduciary planner rather than a one-time plan. It fits people approaching retirement who need to convert savings into reliable income, time Social Security, and manage tax-efficient withdrawals, as well as those still building who want a long-term roadmap. The flat-fee model is most cost-effective for those with larger balances, where a percentage-based AUM fee would run higher than Facet’s membership.
Facet is less suited to retirees with very simple needs, since the entry membership starts at $2,600 per year and may exceed what a basic situation requires. It is also not built for highly specialized cases such as complex business-succession planning. Those who want in-person meetings or want to hand-pick their advisor from a roster should look elsewhere, as Facet is virtual-only and matches you with a planner.
Facet’s retirement service includes several features that set it apart from both traditional advisors and robo-advisors.
Flat-Fee Membership, Not AUM
Facet charges a flat annual membership from $2,600 to $8,700 based on tier, not a percentage of assets. For a retiree with a $750,000 portfolio, a 1% AUM fee would be $7,500 a year. The same retiree on Facet’s mid-tier membership pays a fixed fee well below that, leaving more invested to support retirement income.
Retirement Income and Withdrawal Strategy
Rather than only managing investments, Facet builds a paycheck-style income plan from your Social Security, pensions, and accounts, then manages tax-efficient withdrawals. It includes RMD tracking and reminders so you avoid the steep IRS penalty for missed distributions, plus Roth conversion analysis to manage your long-term tax bill.
Dedicated Fiduciary CFP Professional
Every member works with a CFP professional who acts as a fiduciary, giving retirees a consistent expert who understands their full picture, a level of accountability algorithm-only robo-advisors do not provide.
| Pros | Cons |
|---|---|
| Predictable Flat Fee: Membership runs $2,600 to $8,700 a year and does not rise as your retirement balance grows. | Not for Simple Needs: The $2,600 entry membership can be more than a straightforward retirement situation requires. |
| Fiduciary CFP Professionals: Every planner is a CFP professional legally bound to act in your best interest. | Virtual Only: Facet offers no in-person meetings, a drawback for retirees who prefer face-to-face advice. |
| Full Retirement Scope: Income planning, Social Security and Medicare timing, RMD tracking, Roth conversions, and estate planning in one roadmap. | No Choice of Advisor: Members are matched with a planner rather than selecting their own. |
| Strong Public Sentiment: Facet holds a 4.8 out of 5.0 ‘Excellent’ rating on Trustpilot across more than 900 reviews. | Mixed BBB Feedback: Some BBB reviewers report the advice steered toward moving assets to Facet rather than covering their full portfolio. |
Yes, Facet is a legitimate, well-established financial services company. Founded in 2016 and headquartered in West Palm Beach, Florida, Facet Wealth, Inc. is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Its Form ADV, the public disclosure document every registered adviser files, shows no investment-related, fraud, or sales-practice actions. The only disciplinary item is minor: in November 2023, Facet settled with the Commonwealth of Massachusetts over the inadvertent late filing of a non-investment-related administrative document for a single advisory representative.
Facet’s credibility is backed by scale and client trust. It has more than 14,500 members and over $6 billion in assets under management, and is licensed in all 50 states. Public sentiment is strong, with a 4.8 out of 5.0 rating on Trustpilot across more than 900 reviews, where members frequently praise their planners by name.
Facet Wealth, Inc. is a BBB Accredited Business with an A+ rating, accredited since April 2026. The BBB profile lists it as a corporation in business for nine years, headquartered at 2054 Vista Parkway, Suite 400, West Palm Beach, FL 33411. The rating and accreditation reflect a clean regulatory file and responsiveness to BBB standards.
BBB customer reviews are more mixed than Facet’s Trustpilot profile. Some reviewers describe excellent support and clear roadmap guidance, while others report the advice focused on moving assets into Facet-managed accounts rather than reviewing their entire portfolio. Prospective members should clarify upfront what is covered at each membership tier.
Facet charges a flat annual membership rather than a percentage of assets, set by service tier, not your account balance. Standard pricing runs across three tiers: Core at $2,600 per year, Plus at $4,300 per year, and Complete at $8,700 per year. Members can pay annually or quarterly, and the $300 enrollment fee is waived for annual prepayment.
For retirement planning, the tier you need depends on complexity. Core covers retirement income planning, Social Security strategy, RMD tracking, and tax-efficient withdrawals. Plus and Complete add advanced investing, expert tax filing, and, at the Complete level, estate planning with state-specific legal documents. This places Facet in the mid-to-upper range at entry, but for retirees with larger balances the flat fee is often well below the 1% AUM fee a traditional advisor would charge.
Facet earns an Expert Score of 4.4 out of 5.0, making it a strong choice for retirement planning built around a dedicated fiduciary CFP professional. Its flat-fee membership is a clear alternative to AUM pricing, and the retirement roadmap covers the decisions that matter most near and during retirement: income strategy, Social Security and Medicare timing, tax-efficient withdrawals, RMDs, and Roth conversions. Based on our analysis of Facet reviews, the service delivers comprehensive, personalized retirement guidance at a predictable cost.
The main limitations are the entry price for simpler situations and the virtual-only, advisor-matched format. The $2,600 starting membership is more than a basic retirement plan needs, and members must be comfortable meeting remotely and being paired with a planner rather than choosing one. For pre-retirees and retirees who fit that profile, Facet pairs genuine human expertise with a fair, transparent fee structure.
What do experts say about Facet for retirement planning?
BestGuide gives Facet an Expert Score of 4.4 out of 5.0. The retirement service is recognized for its flat-fee membership, fiduciary CFP professionals, and a roadmap that covers income planning, Social Security timing, RMD tracking, and Roth conversions, scoring 90% in our Reputation, Services, and Scalability categories.
Is Facet worth it for retirement?
For pre-retirees and retirees with moderate-to-high assets who want ongoing retirement income and tax planning, Facet offers strong value. With membership starting at $2,600 a year, the flat fee is often lower than a percentage-based AUM fee for those with larger balances.
How does Facet compare to other retirement planning companies?
Facet charges a flat annual membership instead of a percentage of assets, making costs predictable through retirement. Unlike robo-advisors, it provides a dedicated human CFP professional for income strategy, Social Security timing, and withdrawal planning, not just investment management.
Does Facet help with Social Security and Medicare timing?
Yes. Facet’s retirement roadmap includes Social Security claiming strategy and planning for healthcare costs, including how to bridge coverage before Medicare eligibility, as part of a broader retirement income plan.
Does Facet handle required minimum distributions?
Yes. Facet tracks required minimum distributions (RMDs) and sends reminders so members avoid the IRS penalty for missed distributions, and it builds a tax-efficient withdrawal sequence across account types.
How much does Facet cost for retirement planning?
Facet charges a flat annual membership set by service tier: Core at $2,600, Plus at $4,300, and Complete at $8,700 per year. The $300 enrollment fee is waived for annual prepayment, and the fee does not change based on how much you have saved.
Is Facet a fiduciary?
Yes. Every Facet planner is a CFP professional operating under a fiduciary standard, which legally requires them to act in your best financial interest at all times.
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