Best Online Financial Advisor: Facet Wealth

But when we asked for straightforward financial planning advice, what they offered was financial advisors who either didn’t bother to get to know us, or worse, didn’t care about us unless our bank account had seven figures in it. Times have changed; we need our financial planning to change, too. Meet the future of financial planning: Facet Wealth

Facet Wealth is the financial planning company that is setting the gold standard for financial advice–making it both personal and accessible. Facet does financial planning differently. The company was founded on the belief that investment advice shouldn’t be confusing or one-size-fits-all – and it certainly shouldn’t come saddled with high fees and heavy risks. 

A Facet CFP® professional offers clients knowledgeable financial planning for one clear, fixed fee. The fixed fee model applied to financial planning allows Facet’s dedicated CFP® professionals to work with you one-on-one and offer you objective, unbiased advice – with no hidden fees or commissions. It’s a model that’s been celebrated by Forbes, NerdWallet, and the New York Times. And because your dedicated CFP® professional is your personal financial ally, they want you to succeed.

Facet’s investment advice is refreshingly jargon-free and designed to help you generate more return while helping you keep more of what’s yours. (After all, it’s your money!)

"Knowing we have someone we can ask questions to, keep us accountable, and explain unknown financial territories to us – it's been a real gift." – Hanna, Facet Wealth Client

“Finding Facet immediately put us at ease,” say Facet clients Jordan and Marissa. As a young couple, they were unsure of which direction to go with their finances. “[We felt] that someone was going to lead us down the right path financially.”

Hanna, a Facet client in Chicago, agrees, “Working with our planner Zach feels like we are working with a great friend. We have a nice time catching up, he answers all of our questions with zero judgment, and explains new things to us with patience and clarity. He is warm, empathetic, patient, funny, and extremely friendly. We somehow find ourselves laughing together during most of our meetings. It's been a joy working with him, and we feel extremely supported! We feel complete trust in Zach's advice and guidance. 100 percent.”

If this sounds too good to be true, well, it was under the traditional investment model that pitted financial advisor’s earnings against yours. Facet removes all conflicts of interest in two ways. First, all Facet financial planners are CERTIFIED FINANCIAL PLANNER™ professionals (CFP®) and are therefore held to fiduciary standards – meaning they are legally and ethically bound to work in the best interest of their clients.

“We feel more comfortable with the Facet approach which is a fixed fee that works within your budget,” say clients Brad and Cat. Brad and Cat were worried about not being properly set up for retirement. Through personalized financial planning that was customized to their life, their CFP® professional helped them develop a plan that ensured they'd enter retirement with confidence. According to Brad who says confidently, “We’re really able to see now what our retirement is going to look like.”

Here’s how the Facet Wealth investment philosophy works. Based on Nobel Prize-winning research by economists Harry Markowitz, Eugene Fama and Richard Thaler, Facet believes long-term investment success is all about the right mix of diversified investments, taking smart risks, and staying invested over time. While many advisors may claim they follow the same principles, most are missing the human-connection element. Successful personal finance services requires a close, trusting relationship with your advisor. Which makes sense. By knowing you personally and what’s going on in your life – a baby on the way, a new job, going back to school, or buying your first home – your CFP® professional can advise you better than someone for whom you’re just a number.

"After taking the time to get to know my goals, Facet matched me with an advisor with whom I look forward to speaking... and I come out of each meeting having learned something new." – Isabella, Facet Wealth Client

“Facet has certainly helped reduce stress and fear around our finances,” says Hanna. “Knowing we have someone we can ask questions to, keep us accountable, and explain many unknown financial territories to us – it's been a real gift. We finally feel like we have control over the life (and money) we have worked so hard for. We feel energized vs feeling intimidated about reaching our financial goals and long-term plans.”

Facet is also a big believer that financial planning information should be less complicated and answer more of the day-to-day questions we all have. They believe demystifying the "how" and "why" of financial planning through education helps build trust between you and your dedicated CFP® professional. Facet goes even further to offer clients a variety of resources like personal consults, regular webinars, and an online library of free articles that explores everything from life milestones to budgeting, to explainers written by experts that break down the relevant financial topics of the moment.

“Asking about financial questions has always been super difficult for us,” say clients Sheila & Adam, who have young kids and needed their house to grow along with their family. Working with their CFP® professional brought this goal to fruition. “Our CFP® has been helping with our accounts and we just bought a home. Facet has been integral into that process.”

"We feel more comfortable with the Facet approach which is a fixed fee that works within your budget." – Brad, Facet Wealth Client

Part of the Facet Wealth investment philosophy involves building a foundation on exchange-traded funds (ETF) – which are bundled funds that track on a specific index and trade on exchanges – allowing you to potentially lower your risk and exposure while diversifying your portfolio. It’s the exact opposite of a timing-the-market approach, which over time has proven to not be as safe or as lucrative as Facet’s ETF-based approach. Simply put: Facet’s individualized portfolio helps you enjoy and live in the now while planning for the future.

“Facet has completely changed my outlook on how I handle my finances and my confidence in my financial stability and strength in the future,” says Stephen. At 32, Stephen had no traditional wealth to speak of, and yet his CFP® professional never made him feel like that was an issue. “My planner and the team are incredible, and just as excited as I am about building a strong financial future for me.”

It doesn’t matter how much you have to invest or what kind of advice you’re looking for. Facet offers the highest quality CFP® professionals who offer a clear roadmap of your finances at an accessible fixed, annual price point. No jargon, no hidden fees. Just personalized, objective advice about how you can make the most out of every facet of your financial life.

 “I had never worked with a financial advisor before, but Facet Wealth made the process of finding someone to help me such a smooth and pleasant process,” says Isabella. “After taking the time to get to know my goals and personality, Facet matched me with an advisor with whom I look forward to speaking during our quarterly check-ins. Not only is Alix willing to discuss my own finances, she takes the time to answer any questions I have about the world of finance more generally, and I come out of each meeting having learned something new. I highly recommend Facet Wealth to anyone looking for financial advice.”

Getting started with Facet is easy:

1. Schedule your free consultation with a Facet expert who will reach out to you within 24 hours.
2. During the consultation, a Facet Client Success Manager will learn more about your financial plans, needs and goals.
3. Based on your needs, you'll be paired with a dedicated CERTIFIED FINANCIAL PLANNER™ professional that best matches you.
4. Once you become a Facet client, you'll meet with your CFP® professional regularly to create the best financial plan tailored just for you.

Or to speak with a Facet expert now, call: 888 598 3994

Financial advice should be about you. Let Facet craft a personalized financial plan that creates a strong foundation for your financial well-being in every facet of your life. Turns out our parents were right about one thing: the time to start is now. Visit Facetwealth.com.