Facet
Best ValueSubscription CFP financial planning with AI tools at flat fee pricing
Performance Scores
About This Tool
Facet disrupts traditional wealth management by replacing the percentage-of-assets fee model (which costs investors $5,000-$20,000/year on a $1M portfolio) with flat annual fees starting at $2,400. Each client gets a dedicated Certified Financial Planner who uses AI financial planning tools to provide comprehensive advice across investments, tax strategy, estate planning, and insurance. The AI layer allows each CFP to manage more client relationships deeply — analyzing scenarios faster, generating reports automatically, and surfacing opportunities proactively. For investors with $500K-$5M in assets who want real human advice without paying a percentage of their wealth every year forever, Facet is the alternative the industry needed.
Use Cases
- ✓Get a comprehensive financial plan from a CFP for a flat annual fee
- ✓Model the tax impact of selling a concentrated stock position
- ✓Build an estate plan with professional guidance at predictable cost
- ✓Review whether your current investment allocation is optimized for your goals
Our Review
Facet is a tech-forward RIA offering dedicated CFP advisor access at a flat annual fee, enhanced by AI financial planning tools — disrupting the AUM model.
Pricing
Pros
- Real human CFP
- Flat fee (not % of assets)
- Comprehensive planning
- Excellent support
Cons
- Higher minimum than robo-advisors
- No self-service option
Key Features
Replaces These Legacy Tools
Best For
Investors with $500K+ wanting real CFP advice without AUM percentage fees
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