Facet is a financial planning firm that offers membership-based guidance through dedicated advisors supported by digital tools. It aims to give people a steady and approachable way to manage their money. The firm helps households seeking advice that feels personal and dependable. Many people want support that respects the challenges of everyday life, and Facet was created to meet that need with a structure that adapts as members move through different stages of life.
The firm is designed for people who do not want to feel overwhelmed by money management. It provides guidance that honors individual goals while staying flexible when those goals shift. Advisors and technology work together to maintain that balance, moving away from rigid categories and toward plans that reflect each person’s decisions, ambitions, and daily pressures.
Facet views financial wellbeing as a lifelong process rather than a moment shaped by a single milestone. It recognizes that buying a home, starting a family, changing jobs, handling debt, and preparing for retirement all connect to one another. The firm’s advisors work with that perspective, building plans that grow as clients grow. This approach represents a shift in an industry that has often treated planning as a one-time event instead of something that continues through every chapter of life.
Planning That Puts People First
Facet is structured around a membership model that encourages ongoing conversation with advisors. Many traditional firms rely on product sales or assets under management fees, which can create pressure points that distract from long term goals. Facet focuses on planning itself as the product, meaning members pay for guidance and strategy rather than sales driven recommendations.
It hires advisors as full time employees who do not work on commissions, with progress measured by client outcomes and experiences. The firm’s structure helps foster trust and encourages open communication. Members can ask questions without hesitation because they know advisors are there to support their interests rather than push a product.
Facet uses technology to support advisors, not replace them. Digital tools track spending, monitor progress, update plans, and coordinate documents. They function as part of the service instead of overshadowing it. The firm ensures the value remains in the relationship with the advisor who interprets the data, understands personal context, and helps members make decisions with confidence.
The membership model also supports a wide range of people. Some firms turn away clients who do not meet asset minimums. The firm works with members at different stages of life. Young professionals who want to make better choices with their income can participate. Parents seeking support in planning for education costs can join. Households preparing for retirement can gain structure and direction. The service adapts to different needs without gatekeeping.
How The Advisory Process Works
Facet begins with an onboarding process that maps out a member’s goals. The discussion covers income, spending habits, family responsibilities, short term aims, and long-term objectives. Advisors take time to understand what matters most to each member. Many people arrive with questions, others with anxiety. The firm trains advisors to guide both with patience and steady focus.
It provides each member a dedicated planner. That relationship is ongoing rather than transactional. Sessions can be scheduled throughout the year to adjust plans, rethink goals, or address new developments. Life rarely moves in straight lines, and members appreciate having someone who can adjust their plan without judgment.
The planning covers everything from budgeting to investment strategy. Advisors help members understand where their money is going and how small adjustments can build strength over time. They guide retirement contributions, insurance needs, tax strategies, estate planning basics, and major financial decisions. The emphasis is on sustainability. Facet ensures a plan supports a person’s life without adding pressure or unrealistic expectations.
Facet uses software to provide a full view of a member’s financial life. Spending patterns can be reviewed, goals can be measured against progress, and investment allocations can be refined. Advisors interpret this information and translate it into straightforward guidance. Members do not need to be experts. They only need to participate in the conversation.
Facet also supports couples and families. Many households find it difficult to talk about money. Advisors help create space for those conversations and guide partners toward shared goals. The firm supports parents who want to plan for their children, addressing college funding, healthcare, and long-term security. Advisors work with the entire household to form a unified strategy.
Meeting New Demands in Financial Planning
Facet launched during a period of shifting expectations in financial services. People have become more aware of the value of planning and more cautious about firms that feel transactional or outdated. Technology opened the door to new models, yet automated systems do not always provide the guidance people need. The firm bridges that gap by blending personal relationships with digital support.
It has gained recognition for this model, reflecting a broader trend toward advice driven planning. Families want advisors who listen, adapt, and remain present during moments of change. They want services that feel approachable and transparent. The firm meets that demand with a structure that prioritizes relationships and long-term stability.
Facet also stands out for its focus on accessibility. Financial planning has often been associated with wealthier households, which discourages many from seeking help. The firm offers an entry point that does not depend on having a high net worth. Members pay for guidance and planning rather than investment minimums, opening the door for younger clients who might not have been served by traditional firms.
Facet continues to refine its offering as it grows. It invests in developing advisors and updates its tools to keep the experience responsive. Facet understands that personal finance is never static. Economic conditions shift, job markets change, and family needs evolve. The firm ensures the service evolves to support members through all of those changes.
Anders Jones, CEO, Facet
