Updated September 5, 2026. Quick answer: Facet charges a flat annual membership fee rather than a percentage of your assets, read from its own pricing page today: Core is $2,600 a year, Plus is $5,500 a year, and Complete is $8,700 a year, each with a Certified Financial Planner included at every tier. There’s a $300 enrollment fee that’s waived if you pay annually, and no investment-management fee on top: Facet manages your portfolio as part of the membership. There’s no minimum to join, though opening most investment accounts requires a $500 initial purchase. Facet reports $6.04 billion in assets under management as of its January 2026 disclosure.
Facet at a glance
| Fact | What the company’s own pages say |
|---|---|
| Core | $2,600/year: 3 meetings year 1, then 1/year; ETF portfolios, tax-loss harvesting, retirement planning, CFP access |
| Plus | $5,500/year: adds tax filing by a certified professional, equity/employer-stock planning, a dedicated CFP team |
| Complete | $8,700/year: adds direct indexing, comprehensive tax analysis, extended hours, priority support |
| Enrollment fee | $300, waived when paying annually; agreements are annual and non-refundable |
| Account minimum | None to join; $500 minimum initial purchase for most investment accounts |
| Registration | SEC-registered investment adviser (CRD 285961); $6,037,907,630 in discretionary AUM as of January 22, 2026 |
The flat-fee model, and what changes at each tier
Every Facet tier includes a Certified Financial Planner and full investment management at no extra percentage fee; what changes moving up the ladder is meeting frequency, tax-filing depth, and, at Complete, direct indexing and extended-hours support. Because the fee is flat, it does not rise with your account balance the way an assets-under-management fee would.
What Facet discloses about how it’s paid
Facet’s own Form CRS states its representatives are salaried, paid based on member retention and satisfaction rather than commission or assets managed, closer to a fee-only structure in substance than the literal term appears in the document. It also discloses that annual, non-refundable billing financially benefits Facet over other billing schedules, and that canceling without moving your accounts to another custodian triggers a $10-per-month, per-account fee.
You have read our assessment of Facet. Here is the one we are paid to refer you to.
Stated outright because it is the only honest framing next to a form: the service below is our partner, not Facet, and we are paid when you submit it. Comparing both is reasonable. It is free to you, and it is not the only way to find an adviser.
Before you start, what actually happens. The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
The Kapitalwise form opens here. You stay on this page.
What happens when you press the button
It asks about nine questions, age, investable assets, location, then your name, email and phone number, and verifies the phone by text. Nothing loads and nothing reaches Kapitalwise until you press the button.
Before you sign up, five minutes of your own verification
- Read the figures above against the company’s own current pricing page; prices in this category change without much notice.
- If it’s an investment adviser, look it up free on the SEC’s Investment Adviser Public Disclosure site and read its Form ADV Part 2A fee section and any disclosure events.
- Ask directly how the person or advisor you’d actually work with is compensated, not just the headline company fee.
- Run any percentage fee through the Financial Advisor Fee Calculator and the Fee Drag Calculator to see the dollar cost over time, not just the rate.
- Bring our questions to ask a financial advisor to the first call.
Bottom line
A genuinely flat, no-AUM-fee structure with CFP access at every tier, worth comparing directly against a percentage-of-assets advisor once your balance is large enough that a flat fee is the cheaper math.
Sources
- Facet pricing page: https://facet.com/pricing/
- Facet Form CRS: https://reports.adviserinfo.sec.gov/crs/crs_285961.pdf
- Facet Form ADV Part 2A brochure: https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1006522
Methodology. This page was materially reviewed on September 5, 2026. Figures came directly from the company’s own current pricing pages, Form CRS, or Form ADV brochures where noted, with sources linked inline; any figure we could not independently confirm this session is named as such above rather than presented as verified.
Independent analysis based on the reviewed company’s own published pages, pricing, and SEC filings where applicable, cited inline with the date we read them. We have not used any of these services as a client. Nothing here is personalized financial, tax, or legal advice. Companies did not pay for, review, or influence this content. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.