facet wealth

Facet Review - Your Private Financial Planner at Hand

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Last updated on August 1, 2023

I’d say most of us find it difficult to come up with a respectable financial plan. It’s not easy to understand what works and what doesn’t when it comes to retirement planning.

That’s why more and more individuals are considering companies like Facet for all of their financial needs. This well-established company sets a high standard for new-age financial planning services.

Here’s a detailed review into Facet, what it has to offer, and whether or not it’s the right fit.

What is Facet?

Facet is an all-encompassing financial company with years of professional experience in financial planning.

The company has spent years analyzing the market and provides access to a team of Certified Financial Planner™ professional. These professionals are fully qualified, trusted, and in sync with contemporary standards.

Facet allows you to sign up and receive financial advice from a CFP® profesional that’s geared toward your particular financial situation. Each plan is tailor-made and is designed based on your interaction with the planner during a conference call online. It’s a fascinating solution for those wanting an “on the go” option without compromising on quality.

Facet Features

Facet offers a long list of features through its CFP® professionals and aims to deliver a comprehensive experience to its clients. These key features include:

  • Non-incentivized financial planning. This means you’ll get authentic advice that’s not based on the CFP® professional’s earning an incentive for what they encourage you to invest in. It’s the most honest way to provide financial advice in my opinion.
  • Service-based fees only. To my point above, you’ll be charged a service fee, not fees based on how much you invest or what you invest in.
  • 360° financial plans. An all-encompassing financial plan that fits your needs.
  • Low-cost portfolios. CFP® professionals will help you invest in low-cost portfolios so you can maximize your ROI.
  • Tailor-made retirement planning. No one retirement plan will fit everyone. Facet makes sure that your retirement plan is tailored to your particular needs.
  • Access to the online platform. Easily manage your portfolios and plan through the Facet online platform.
  • Video conferences for financial planning meetings. I love this feature. You get to meet with your CFP® professional face-to-face via video conference.
  • Subscription-based services. Facet offers subscription-based services so you can cancel your subscription at any time without obligation to continue on after the year you’ve paid for.


Facet pricing is based on your selection of various financial services. In general, this pricing is highlighted during the initial 30-minute consultation with one of the company’s qualified advisors. The fees can vary depending on a unique set of variables and should be kept in mind during the consultation.

Prices range from $2,400/year to $8,000/year. Most clients fall in the middle of that range.

The free online consultation is designed to shed light on the pricing structure, how it works, and what’s best for your situation. This can also be a good way to learn more about the various financial services and the value they’re going to offer.

Signing Up

The signup process is a breeze.

To get started, prospective clients can visit Facet and sign up for an in-depth 30-minute consultation. This particular meeting with a qualified advisor is free and sheds light on what the company has to offer in terms of services. Take the opportunity to fill out the small contact form and move forward from there.

Once you’ve spoken with an advisor, you can choose the right tier for you and begin the journey towards financial freedom.


Facet deals with a large number of clients and takes data security seriously. This is shown through their verified security credentials and comprehensive security protocol when it comes to data.

All of the data is hosted on Amazon Web Services (AWS) and is fully encrypted. This ensures only the financial planner will see the data when it is time to come up with a reasonable, well-structured financial plan for your goals.

For those linking all of their financial accounts through Facet, please note none of these accounts are accessible by the company. These accounts are only linked to make the planning process easier and can be “de-linked” at any stage.

Mobile Support

Facet has a structured mobile-friendly platform that is easy to use, accessible, and in line with modern standards. The company has spent a considerable amount of time developing this end of their business and it shows through the attention to detail. Whether it’s the speed at which the portal loads or how it looks, everything is top-notch.

Clients can easily sign up online and access their accounts on a mobile device. This includes setting up conference calls with a financial advisor whenever necessary.

Customer Service

The customer service is exceptional and the company works during normal business hours (Monday through Friday, 9 AM to 5 PM EST). Each advisor is fully trained and understands the world of financial planning based on contemporary standards of excellence. Along with having a long list of qualifications and a strict quality control process, Facet is also a well-established name for its customer service.

Everything is done to keep the client happy and this includes working hard on building fully personalized plans. This applies to all tiers of service provided by the company to its clientele. From couples to business owners, everyone gets top of the line customer service with Facet.

Pros and Cons


Universal Access

According to studies, 64% of all Americans refuse professional assistance when it comes to financial planning, leading to woeful results. This often has to do with a lack of access and not wanting to reach out to a traditional financial company for help.

To combat this concern, Facet has created an approachable solution in the form of its online accessibility. This means clients can easily reach out to a Certified Financial Planner™ professional through an online conference call and speak to them from anywhere on the planet.

As long as you have an Internet connection, you can speak to an advisor. This accessibility is a major plus and helps clients ask questions when they need to.

Years of Experience

This is one of the most experienced financial companies in the world and is valued among its competitors. This expertise is seen through its competent team of financial planners and how long the company has been in business. When it comes to seeing competent results and passion, this is a market leader for online solutions.

Impressive Client Portal

The client portal cannot be underestimated when it comes to crafting a user-friendly experience that’s in line with modern requirements. With Facet, you can sign up with a team that’s not only organized, but offers access to this state-of-the-art portal.

The portal can be accessed from any device and allows clients to set up appointments and manage their accounts in one place.

This is a huge benefit for those eager to retain control of their financial planning. Simply signup for an account, speak to an advisor and gain access to the portal in minutes.

Elite Customer Service

Customer service is one of the most important and fundamental expectations when it comes to financial planning services. There is nothing worse than going with a run-of-the-mill service that treats you like a number and doesn’t care about your financial health.

Facet offers a long list of services and takes pride in its customer service. This shows through the in-depth consultations, continuous feedback, and top-tier personalized plans.

Everything about Facet’s approach to financial planning is excellent for those getting their feet wet. It raises the bar and makes it easier for everyone to join in.


High Fees

While this is one of the leading companies of its kind, there are still a few concerns that pop up involving their fees. They do offer the option to pay quarterly instead of annually.


There are three competitors in the same niche as Facet and each one has a unique approach to onboarding new clients. It’s important to analyze what each one brings to the table, their pricing structures, and what makes them a good fit moving forward.

These competitors include:

For those eager to get started with a personalized financial plan, it’s important to assess what these companies are all about. Facet does remain among the best at what it does but it’s never a bad idea to compare options before making an educated decision.

Who is Facet For?

Facet is great for those who want a flexible, state-of-the-art financial planning service for their portfolio. It’s not easy to balance all of these details on your own and it can become quite expensive while reaching out to traditional companies.

This is why Facet bridges the gap and provides a reasonable solution to pay quarterly. While it is pricey, it can end up saving you quite a bit of money over the long haul.

Facet is one of the better financial services for those who have decent-sized portfolios (i.e., $50,000+) and wish to have a hands-on approach to their financial planning.

Anyone under this amount may find it easier to choose automated services (like a robo advisor) though customer service is limited. In those situations, it’s best to focus on a few investment opportunities and save on fees.


With the financial planning industry valued at $57 billion+, it continues to hold an important role in modern America. Facet is among the best in this industry and offers a comprehensive solution for those eager to improve their financial future.

By accessing a Certified Financial Planner™ professional with years of relevant experience, it makes the planning phase that much easier. Along with having one of the most qualified teams in the business, Facet also does a wonderful job of making the experience client-friendly.

Whether it’s the immaculate client portal or the free consultations, each detail takes the client’s needs into account. This attention to detail is what allows Facet to stand out and become a great option for all types of clients.

Whether it’s someone starting on their own or a business owner, it makes sense to give Facet a chance.

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