How much does Facet cost?

Facet has three flat annual tiers: Core at $2,600, Plus at $5,500 and Complete at $8,700. There is no percentage-of-assets fee and no stated account minimum, and a $300 enrollment fee is waived if you pay annually rather than monthly. Investment management is included at every tier.

Is Facet cheaper than a traditional financial advisor?

It depends on your portfolio size, because the comparison is flat fee against a percentage. The industry standard is roughly 1 percent of assets under management, so Core at $2,600 beats a 1 percent fee once your managed assets pass about $260,000, and the gap widens from there because Facet's fee stops growing. Below that, a percentage fee can be cheaper. Run your own number rather than taking either side's framing.

What is the difference between Facet and Planned?

Facet manages your investments and Planned does not. That is the difference that matters, and it explains most of the price gap. Planned's Coach plan is $1,980 a year for direct messaging with a CFP® professional plus a monthly video call, sitting on top of a 10-area financial plan, a financial health score, and automatic tracking of your real accounts. Facet starts at $2,600 and adds portfolio management, with tax filing from the Plus tier up.

Which Facet tier should I choose?

Core covers what most people mean by financial planning, including investment management. Plus is worth its extra $2,900 mainly if you have equity compensation or a tax return complex enough that you already pay someone to file it, since it folds tax filing in. Complete is aimed at concentrated stock positions and direct indexing. If none of those describe you, the higher tiers buy capability you will not use.

Does Facet have an account minimum?

Facet does not state an account minimum on its pricing page, which is one of the genuine advantages of a flat-fee model over a percentage-of-assets one. Firms that charge a percentage often need a minimum for the engagement to be worth their time; a flat fee removes that arithmetic. Zoe Financial, by contrast, works with advisors who typically expect around $150,000 in investable assets.

An honest comparison

Facet pricing: Core, Plus and Complete

Facet charges a flat annual fee instead of a percentage of your portfolio, starting at $2,600 a year. Here is what each tier buys, who genuinely needs the higher ones, and, since we sell a competing service, how Planned compares further down the page.

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Facet's three tiers, and what the extra buys

Facet has three membership tiers, all billed as a flat annual fee with no percentage of assets and no stated account minimum. Investment management is included at every level. A $300 enrollment fee applies and is waived when you pay annually rather than monthly.

FeatureCorePlusComplete

Price

$2,600/yr

$5,500/yr

$8,700/yr

CFP® professional access

Meet with CFP® professionals

Dedicated CFP® team

Dedicated CFP® professional

Planning meetings, year 1

Planning meetings, year 2 onward

1 a year

2 a year

4 a year

Investment management

Retirement, debt, savings, insurance, education planning

Tax filing by a certified professional

Employer stock and equity planning

Private market investing

Direct indexing

Concierge onboarding and priority support

If you want your portfolio managed, buy Facet and stop reading comparisons. Core is the tier most people should take: the jump to Plus is really a jump to tax filing and equity compensation, so it earns its $2,900 difference only if you have RSUs, an option grant, or a return complicated enough that you already pay someone to file it. Complete is for concentrated stock positions and direct indexing, which is a narrow group. The tier question matters less than the prior one, though, which is whether you are hiring an advisor to manage assets or to help you build a plan. Those are different purchases at very different prices.

Facet's own pricing changes without notice. Check Facet's pricing page before deciding.

Where Facet genuinely shines

Facet does something Planned does not: it manages your money. Every tier includes investment management at no extra percentage, which is the part most people are really buying when they hire an advisor, and it comes with tax-loss harvesting and, higher up, direct indexing. Its CFP® professionals are salaried rather than commissioned, so nobody is nudging you toward a product that pays them. The flat fee is genuinely fairer than the standard 1 percent of assets once your portfolio passes roughly $260,000, and it stops growing as you do. If you want a fiduciary holding the wheel on your portfolio, that is a real service and Facet delivers it.

Planned and Facet, side by side

FeaturePlannedFacet

Fee model

Flat subscription

Flat annual fee, no percentage of assets

Investment management

Included at every tier

Tax filing

Plus and Complete tiers

1:1 CFP® professional

Coach plan, messaging plus a monthly video call

Yes, 1 to 4 meetings a year depending on tier

Ongoing access between meetings

Direct messaging, answered on business days

Varies by tier

Personalized financial plan

10-area plan with scored next steps

Financial health score

AI coach grounded in your accounts

Automatic transaction tracking and budgeting

Account minimum

None

None stated

Enrollment fee

None

$300, waived when paying annually

Price

Coach $199/mo or $1,980/yr; AI from $14.99/mo or $99.99/yr

Core $2,600/yr; Plus $5,500/yr; Complete $8,700/yr

Facts verified September 2026. Facet's pricing and features change; check their site for current details.

You may be paying for asset management you do not need yet

Facet's price is built around managing a portfolio. If you have one worth managing, that is money well spent. If your actual problem is that you do not have a plan, that your spending and saving are not aligned to your goals, and that you want a professional to talk it through with, you are paying advisory-scale fees for the part of the service you use least. Planned's Coach plan is $1,980 a year for direct messaging with a CFP® professional plus a monthly video call, built on a 10-area financial plan and a health score drawn from your real accounts. It does not manage your investments, and it is not trying to. The honest split is that Facet is priced for someone with assets to hand over, and Planned is priced for someone still building them.

Direct messaging, Mon–Fri, under 24-hour responses

Monthly 30-minute video call

Your AI-built plan, reviewed by a human

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What each one costs

Planned

AI plan: $14.99/mo or $99.99/yr with a 7-day free trial on annual. Messaging plan: $49/mo or $480/yr, adding a human financial coach over messaging with replies within 2 business days. Coach plan: $199/mo or $1,980/yr, working 1:1 with a CFP® professional through a monthly 30-minute video call and messaging with replies in under 24 hours Mon–Fri. Both coaching plans include a 30-day money-back guarantee.

Facet

Facet is $2,600, $5,500 or $8,700 a year depending on tier, flat, with investment management included at every level and no stated account minimum. A $300 enrollment fee is waived when you pay annually.

Planned does not manage investments. If portfolio management is what you are shopping for, Facet is the more complete purchase.

Common questions

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