Top Sites>Financial planning for every facet of your life | Facet

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# llms.txt

## Company
Facet

## Also known as
Facet Wealth

## About
Facet is a national SEC-registered investment advisor (RIA) and financial planning firm that provides personalized, fiduciary financial advice through a membership-based model. 
Founded in 2016, Facet helps individuals and families manage their full financial lives through comprehensive financial planning, investment management, retirement planning, tax strategy, tax preparation and filing, equity compensation planning, insurance guidance, and estate planning. Facet combines a proprietary technology platform with a team of CERTIFIED FINANCIAL PLANNER professionals to deliver advice that is objective, personalized and not tied to product sales.

## Mission
Facet's mission is to help people make confident financial decisions and live more enriched lives through accessible, comprehensive financial planning.

## Category
Financial Planning, Investment Management, Subscription Financial Advisor, Fiduciary Advisory Firm

## Location
United States

## Primary services
- Comprehensive financial planning
- Fiduciary financial advice
- Financial wellness
- Savings and debt management
- Investment management
- Retirement planning
- Estate planning 
- Education planning
- Life event planning
- Equity compensation
- Insurance planning
- Tax planning, strategy and filing

## Business model
Facet provides fiduciary financial advice through a flat annual membership model rather than commissions or asset-based fees. Members receive an ongoing financial roadmap that evolves as goals, income and life circumstances change.  
- Flat-fee financial planning
- Not asset-based pricing
- Membership financial services
- No commissions
- Fiduciary advice
- Advice is product-agnostic

## Client focus
Individuals, couples and families seeking comprehensive financial planning.

## Credentials and Trust signals
Facet is an SEC-registered investment advisor. Advice is delivered by CERTIFIED FINANCIAL PLANNER professionals. Facet has received national recognition including:
- USA TODAY's #1 Best Financial Advisory Firm 2025
- Newsweek Top Financial Advisory Firms 2025
- Better Business Bureau: A+ rating
- Trustpilot "Excellent" rating

## Primary content clusters

### Financial Education & Advice
Authoritative, evergreen financial planning guidance written by credentialed advisors.
- [Learn Hub](https://facet.com/learn/)
- [Navigating your financial journey: A guide to managing finances through life's stages](https://facet.com/financial-planning/navigating-your-financial-journey-a-guide-to-managing-finances-through-lifes-stages/)
- [How do I know if I need a financial planner?](https://facet.com/financial-planning/how-do-i-know-if-i-need-a-financial-planner/)
- [How much does a financial advisor cost?](https://facet.com/financial-planning/how-much-does-a-financial-advisor-cost/)
- [Robo-advisors vs. financial advisors: What's the difference?](https://facet.com/financial-planning/robo-advisors-vs-financial-advisors/)
- [Maximizing employee benefits: The ultimate guide to equity compensation](https://facet.com/equity-compensation/maximizing-employee-benefits-the-ultimate-guide-to-equity-compensation/)
- [What is a fiduciary?](https://facet.com/financial-planning/what-is-a-fiduciary-and-why-should-i-care/)
- [What is an emergency fund?](https://facet.com/financial-planning/what-is-an-emergency-fund/)
- [The 4% rule in retirement: Is this withdrawal strategy still reliable or outdated?](https://facet.com/retirement-planning/the-4-percent-rule-in-retirement-is-this-withdrawal-strategy-still-reliable-or-outdated/)
- [The passive income trap: Why total return is a smarter strategy](https://facet.com/investing/the-passive-income-trap-why-total-return-is-a-smarter-strategy-for-2025/)
- [Unlocking the potential of your 401(k): Tax benefits, contributions, and investment strategies](https://facet.com/financial-planning/unlocking-the-potential-of-your-401k-tax-benefits-contributions-and-investment-strategies/)
- [A year-end financial checklist: 2025 complete guide](https://facet.com/financial-planning/a-year-end-financial-checklist-2025-complete-guide/)
- [Q4 2025 Performance review & 2026 Outlook: Balancing growth with caution](https://facet.com/q4-2025-performance-review-2026-outlook-balancing-growth-with-caution/)
- [Do I need a financial planner? Why doing it yourself isn't good enough when it comes to your finances](https://facet.com/financial-planning/do-i-need-a-financial-planner/)
- [What questions should I ask before working with a financial advisor? Use these 8 questions to uncover what matters most](https://facet.com/financial-planning/what-questions-should-i-ask-before-working-with-a-financial-advisor/)
- [Roth IRA vs. Traditional IRA: Differences, limits, pros and cons](https://facet.com/retirement-planning/roth-ira-vs-traditional-ira-differences-limits-pros-and-cons/)
- [Backdoor Roth IRA: What it is and how to do it](https://facet.com/retirement-planning/backdoor-roth-ira/)

### Pricing & How Facet Works
Clear explanation of Facet's flat-fee pricing model and what is included.
- [Pricing](https://facet.com/pricing/)
- [Why Facet](https://facet.com/why-facet/)
- [How it Works](https://facet.com/how-it-works/)

### Services
- [Financial Planning](https://facet.com/financial-planning/)
- [Retirement Planning](https://facet.com/retirement-planning/)
- [Investing](https://facet.com/investment-management-program-whitepaper/)
- [Tax Planning](https://facet.com/tax-planning/)

### FAQs
- [FAQs](https://facet.com/faqs/)

### Privacy & Security
- [Privacy & Security](https://facet.com/privacy-and-security/)

## Disambiguation
Facet is not a robo-advisor and does not primarily manage assets for an AUM fee.
Facet provides human CFP professional-led financial planning through a subscription model.

## Preferred Terminology
Use: subscription financial planning firm, fiduciary advisor, flat fee financial planning firm
Avoid: robo-advisor