Facet Wealth Review 2026 — Flat-Fee Financial Planning, No AUM Percentage

By WealthVieu · Updated
Part of our Best Robo-Advisors & Financial Advisors 2026

Facet Wealth is a fee-only, fiduciary financial planning firm that charges a flat annual fee — not a percentage of your assets. Every client gets a dedicated CFP-credentialed advisor, comprehensive financial planning, investment management, and tax planning, all for one fixed price. This makes it particularly cost-effective for clients with $500,000+ in assets, where AUM-based advisors become expensive.

Quick verdict: Excellent for high-net-worth investors who want dedicated CFP access and comprehensive planning without paying 0.75%–1.50% AUM. Less cost-effective than a robo-advisor for portfolios under $150,000.

Facet Wealth at a Glance (2026)

Feature Facet Wealth
Fee structure Flat annual fee (not % of assets)
Annual fee range ~$2,400–$8,000/year
Asset minimum None
Advisor type Dedicated CFP
Investment management Yes (included)
Tax-loss harvesting Yes (taxable accounts)
Tax return preparation No (tax planning yes, return prep no)
Account types Taxable, Roth IRA, Traditional IRA, 401k rollover
Fiduciary Yes — always
Fee-only Yes — no commissions

The Flat-Fee Advantage

Most financial advisors charge a percentage of your assets (AUM fee). That means:

  • $300,000 portfolio at 1% = $3,000/year
  • $1,000,000 portfolio at 1% = $10,000/year
  • $3,000,000 portfolio at 1% = $30,000/year

Facet charges a flat fee regardless of portfolio size. This creates a very different incentive structure — the advisor is compensated for the value of their advice, not for how much money you have with them.

Cost comparison on a $1,000,000 portfolio:

Advisor Annual Cost
Vanguard Personal Advisor Services (0.30%) $3,000
Facet Wealth (flat, est.) ~$4,000–$6,000
Betterment Premium (0.40%) $4,000
Local RIA (0.75%) $7,500
Local RIA (1.00%) $10,000
Empower Wealth Management (0.89%) $8,900

At $1M, Facet is roughly in line with Vanguard. At $2M+, Facet’s flat fee becomes significantly cheaper than any AUM model.

Services Included

Comprehensive financial planning:

  • Retirement planning and income strategy
  • Social Security claiming optimization
  • Insurance review (life, disability, long-term care)
  • Tax planning (Roth conversions, asset location, capital gains management)
  • Estate planning coordination (Facet works with your estate attorney)
  • Education savings planning (529 accounts)
  • Cash flow and debt management guidance

Investment management (included in flat fee):

  • Diversified ETF portfolio construction based on risk tolerance and timeline
  • Automatic rebalancing
  • Tax-loss harvesting on taxable accounts

What Facet does NOT do:

  • Prepare your tax returns (tax planning yes; return preparation no — you still need a CPA)
  • Provide trust administration or estate attorney services directly
  • Offer insurance products (they analyze your needs; you purchase separately)

Dedicated CFP vs. Team Model

Unlike Vanguard Personal Advisor Services (where you speak with whoever is available from a CFP pool), Facet assigns you a dedicated, named CFP. This advisor:

  • Learns your complete financial situation over time
  • Is available for questions via secure messaging and video call
  • Provides continuity across multiple years

This is a meaningful differentiator for clients who value a consistent advisor relationship.

Who Facet Wealth Is Best For

Best for:

  • Investors with $300,000–$5,000,000+ who want comprehensive planning with a dedicated CFP
  • Anyone who is (or will be) paying 0.75%–1.50% AUM at a local RIA — Facet’s flat fee is almost certainly cheaper
  • People who want tax planning integrated with investment management
  • Those approaching retirement who need income strategy, Social Security timing, and Roth conversion planning

Consider alternatives if:

  • Portfolio under $100,000 — a robo-advisor at 0.25% will be more cost-effective
  • You need tax return preparation included — find a CPA with a financial planning practice
  • You want in-person meetings — Facet is fully remote (video, phone, messaging)

How Facet Compares to Competitors

Facet Wealth Vanguard Pers. Adv. Empower WM Local Fee-Only RIA
Fee model Flat annual 0.30% AUM 0.49%–0.89% AUM 0.50%–1.25% AUM
Dedicated advisor Yes No (team) Yes Yes
Fiduciary Yes Yes Yes Yes
Fee-only Yes Yes Yes Yes (if NAPFA member)
Tax-loss harvesting Yes No No Varies
Tax return prep No No No Some
Min. assets None $50,000 $100,000 $250K–$1M+
WealthVieu
Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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