8 best Facet alternatives in 2026
By Nicolas Straut
Key takeaways
- Facet charges a flat $2,600, $5,500, or $8,700 a year, and its pricing page calls every membership an annual, non-refundable agreement.1
- When choosing a Facet alternative, start with whether you need your taxes filed, because Facet files returns only from Plus at $5,500, and Domain Money's Strategic renews at $4,200 a year.2
- The best Facet alternatives are Domain Money for one dedicated CFP, Range for a team that adds CPAs, and Ellevest for a CFP without a managed account.
In this article
Key takeaways
- Facet charges a flat $2,600, $5,500, or $8,700 a year, and its pricing page calls every membership an annual, non-refundable agreement.1
- When choosing a Facet alternative, start with whether you need your taxes filed, because Facet files returns only from Plus at $5,500, and Domain Money's Strategic renews at $4,200 a year.2
- The best Facet alternatives are Domain Money for one dedicated CFP, Range for a team that adds CPAs, and Ellevest for a CFP without a managed account.
The best Facet alternatives are two other flat-fee firms, Domain Money and Range, plus Ellevest's planning-only service and Boldin's one-time CFP checkup. Empower and Betterment Premium charge a percentage of assets instead. This guide compares eight Facet Wealth alternatives on yearly cost, tax filing, and how you work with a planner.
Why look for a Facet alternative?
People look for a Facet alternative for three reasons: the annual, non-refundable term, limited planner time on Core, and the jump to $5,500 to get a tax return filed. Facet bills a year at a time and renews automatically, and the Facet review sets out what leaving costs. Ellevest's planning service can be paid quarterly, and Boldin sells a one-time checkup.
Core includes three planning meetings in the first year and one a year after that, with Facet's pool of CFPs. Only Complete, at $8,700, gets one dedicated planner. Domain Money assigns one dedicated CFP on every tier.
Core doesn't file tax returns, so a Core member who wants filing moves to Plus and pays $2,900 more a year. The Reddit threads that come up most for Facet alternatives compare Facet with Empower and with a local CFP, and they're one to two years old.
Best Facet alternatives at a glance
The best Facet alternatives and companies like Facet Wealth at a glance, with Facet in the first row for comparison.
| Firm | Best for | How it charges | Yearly price | Tax filing included | Human advisor |
|---|---|---|---|---|---|
| Facet | CFP planning at a flat fee | Flat annual fee | $2,600 to $8,700 | Plus and Complete | CFP pool, team, or one planner by plan |
| Domain Money | One dedicated CFP | Flat fee, lower after year one | $3,900 to $9,000 in year one; $2,900 to $8,000 after | Strategic and Comprehensive | One dedicated CFP |
| Range | A team that adds CPAs | Flat annual fee | $3,950 to $12,500 | Titanium | Team of CFPs and CFA charterholders; CPAs from Platinum |
| Ellevest | A CFP without a managed account | Flat planning fee | $4,800 | Not listed | One dedicated CFP |
| Boldin | A one-time CFP review of your own plan | Flat fee per checkup | $3,200 once | No | CFP on a 90-minute call |
| Empower | An advisor team priced as a share of assets | Percentage of assets | 0.89% from $100,000 | No | Team; two dedicated advisors from $250,000 |
| Betterment | A robo-advisor with advisor access | Percentage of assets | Premium 0.65% from $100,000 | No | Advisor access on Premium |
| Mezzi | Registered advice at an app price | Flat subscription | Advisory $399; Concierge $999 | No | Video, phone, and email support |
| Wealthfront | Low-cost managed investing only | Percentage of assets | 0.25%, $500 minimum | No | None |
Prices as each company published them, observed October 12 to 18, 2026, and subject to change.
The best Facet alternatives reviewed
Each Facet alternative below gets the same five facts, so you can compare them on the points that decide a switch. Picks 1 to 4 sell CFP planning for a flat price, and picks 5 to 8 charge a percentage or replace only part of what Facet does.
1. Best for one dedicated CFP: Domain Money
Ideal for
A Facet Core or Plus member who wants the same CFP every time, with a partner included, without paying for Complete.
Our take
Domain Money is the Facet alternative for one dedicated CFP, because it assigns a named CFP on every tier. Strategic, which files your federal and state returns, costs $5,200 in year one and $4,200 a year after. Facet Plus costs $5,500 every year for tax filing with a CFP team.
Every Domain Money renewal costs $1,000 less than the first year. Some Altruist model portfolios carry a fee of up to 0.12% a year, and coaching sessions are capped at one a year on Essential and three on Strategic. If you're unhappy with your first plan, its Plan Satisfaction Guarantee gives you a revised plan and no refund, and the Domain Money review covers its terms.
| Spec | Domain Money |
|---|---|
| Category | Flat-fee financial planning firm |
| Best for | One dedicated CFP |
| How it charges | Flat fee, lower after year one |
| Yearly price | $3,900 to $9,000 in year one; $2,900 to $8,000 after |
| Tax filing included | Strategic and Comprehensive |
| Human advisor | One dedicated CFP |
Pros
- One dedicated CFP on every tier, with your partner included
- Renewal prices $1,000 below the first year
- Tax filing from Strategic, $1,300 a year less than Facet Plus from year two
Cons
- Essential costs $3,900 in year one, $1,300 more than Facet Core
- One to three coaching sessions a year below Comprehensive
- Its Terms of Service call fees non-refundable
2. Best for a team that adds CPAs: Range
Ideal for
A high earner with stock options or RSUs who wants a CPA on the planning team and direct indexing on every plan.
Our take
Range is the Facet alternative for a planning team with CPAs, because Platinum adds CPAs, tax projections, and equity compensation planning for $5,950 a year, and every plan includes direct indexing.3 It charges no asset-based advisory fee, but some direct indexing strategies in taxable accounts carry a 0.12% to 0.22% custodian fee.
Range assigns a team instead of one advisor, and it files returns only on Titanium at $12,500. Wills, trusts, and power of attorney documents cost extra, and Facet costs less at every matching tier. Range vs Facet compares the two tier by tier, and the Range review covers Range's terms.
| Spec | Range |
|---|---|
| Category | Flat-fee wealth management firm |
| Best for | A team that adds CPAs |
| How it charges | Flat annual fee |
| Yearly price | $3,950 to $12,500 |
| Tax filing included | Titanium |
| Human advisor | Team of CFPs and CFA charterholders; CPAs from Platinum |
Pros
- CPAs and tax projections on Platinum and Titanium
- Direct indexing and tax-loss harvesting on every plan
- No account minimum and no asset-based advisory fee
Cons
- No single dedicated advisor
- Premium costs $3,950, $1,350 more than Facet Core
- Tax filing only on Titanium, at $12,500 a year
3. Best for a CFP without a managed account: Ellevest
Ideal for
Someone who wants a dedicated CFP through a career change, divorce, inheritance, or retirement, and wants to keep their investments where they are.
Our take
Ellevest is the Facet alternative for planning only, because it pairs you with a dedicated CFP for a flat $4,800 a year, with quarterly calls and no managed account.4 You can pay quarterly, semi-annually, or annually. Ellevest describes its planners as women CFP professionals.
Ellevest's planning costs $2,200 more than Facet Core and doesn't manage your money. Its wealth management service starts at $500,000 and charges up to 1.25% a year. The Ellevest review covers both services.
| Spec | Ellevest |
|---|---|
| Category | Financial planning service from a wealth manager |
| Best for | A CFP without a managed account |
| How it charges | Flat planning fee |
| Yearly price | $4,800 |
| Tax filing included | Not listed |
| Human advisor | One dedicated CFP |
Pros
- One dedicated CFP with quarterly calls
- No managed account needed
- Quarterly or semi-annual payment
Cons
- $4,800 a year, $2,200 more than Facet Core
- Doesn't manage your money
- Wealth management needs $500,000
4. Best for a one-time CFP review of your own plan: Boldin
Ideal for
A do-it-yourself planner who models their own retirement and wants a fiduciary to check it once, without a yearly membership.
Our take
Boldin is the Facet alternative for a one-time review, because Boldin Advisors charges a flat $3,200 for a checkup in which a CFP reviews your plan on a 90-minute call. Boldin Advisors is an SEC-registered, fee-only adviser under CRD 294881.
You build the plan in Boldin's software, where PlannerPlus costs $168 a year for new subscribers from October 15, 2026, and you keep running it yourself. Boldin files no taxes and manages no money. The Boldin review covers the software, and the ProjectionLab review covers the other planner Tweed reviews.
| Spec | Boldin |
|---|---|
| Category | Retirement planning software with a registered advice service |
| Best for | A one-time CFP review of your own plan |
| How it charges | Flat fee per checkup |
| Yearly price | $3,200 once |
| Tax filing included | No |
| Human advisor | CFP on a 90-minute call |
Pros
- One flat fee, with no annual term
- A fee-only CFP who acts as a fiduciary
- Software you keep using after the checkup
Cons
- $3,200 for one review, more than a year of Facet Core
- You do the planning work yourself
- No tax filing and no managed money
5. Best for an advisor team priced as a share of assets: Empower
Ideal for
Someone with $250,000 to $1 million who wants dedicated advisors managing the money and prefers a fee that moves with the balance.
Our take
Empower is the Facet alternative for a percentage fee, because Personal Strategy charges 0.89% a year from $100,000 and adds two dedicated financial advisors from $250,000. That's $4,450 a year on $500,000, vs $2,600 for Facet Core and $5,500 for Plus. Facet Core costs less once your managed balance passes about $292,000.
Empower files no taxes, and the funds inside the portfolio charge their own expense ratios. The Facet review compares Facet with Empower, the Empower review covers every tier, and Mezzi vs Empower sets Empower against a flat-fee app.
| Spec | Empower |
|---|---|
| Category | Wealth manager with advisory tiers |
| Best for | An advisor team priced as a share of assets |
| How it charges | Percentage of assets |
| Yearly price | 0.89% from $100,000 |
| Tax filing included | No |
| Human advisor | Team; two dedicated advisors from $250,000 |
Pros
- Two dedicated advisors from $250,000
- Manages the portfolio for you
- A rate that falls above $1 million
Cons
- 0.89% grows in dollars with your balance
- Needs $100,000 for advice
- No tax filing
6. Best for a robo-advisor with advisor access: Betterment
Ideal for
A saver with $100,000 or more who mainly wants the portfolio run and an advisor to call, and doesn't need a written yearly plan.
Our take
Betterment is the Facet alternative for managed investing with an advisor, because Premium adds advisor access for 0.65% a year from $100,000.5 That's $3,250 on $500,000, so Facet Core costs less once your balance passes $400,000.
Betterment says eligible balances over $1 million automatically get progressive fee discounts, and its pricing page describes Premium as "access to an advisor when you want." Our Betterment review covers its fees on their own. Betterment vs Wealthfront and the Ellevest review both compare Premium.
| Spec | Betterment |
|---|---|
| Category | Robo-advisor with a premium advice tier |
| Best for | A robo-advisor with advisor access |
| How it charges | Percentage of assets |
| Yearly price | Premium 0.65% from $100,000 |
| Tax filing included | No |
| Human advisor | Advisor access on Premium |
Pros
- 0.65% a year, below Empower's 0.89%
- Manages and rebalances the portfolio
- Tax-loss harvesting on taxable accounts
Cons
- Needs $100,000 for Premium
- No tax filing
- The dollar fee grows with your balance
7. Best for registered advice at an app price: Mezzi
Ideal for
A self-directed investor who uses Facet mainly for investment questions and wants a registered adviser's answers at a fixed app price.
Our take
Mezzi is the Facet alternative for app-based advice, because Advisory costs $399 a year at any balance, and Mezzi is an SEC-registered adviser under CRD 337818. Concierge costs $999 a year and adds quarterly coaching check-ins.
Mezzi doesn't name a CFP on any plan, files no taxes, and leaves every trade to you, so it covers Facet's investment advice and leaves out the planning. The Mezzi review covers each plan, and the guide to the best AI financial advisors compares Mezzi with other apps.
| Spec | Mezzi |
|---|---|
| Category | AI investment adviser app |
| Best for | Registered advice at an app price |
| How it charges | Flat subscription |
| Yearly price | Advisory $399; Concierge $999 |
| Tax filing included | No |
| Human advisor | Video, phone, and email support |
Pros
- $399 a year at any balance
- Registered with the SEC
- Reads every account you connect
Cons
- No CFP named on any plan
- Doesn't place trades
- No tax filing or insurance planning
8. Best for low-cost managed investing only: Wealthfront
Ideal for
A Facet member who mostly uses the managed portfolio and would rather not pay for planning.
Our take
Wealthfront is the Facet alternative for managed investing alone, because Automated Investing charges 0.25% a year, which is $1,250 on $500,000. The minimum is $500, and Wealthfront charges no account transfer fees.
Wealthfront gives you no advisor and no plan, so it replaces only the portfolio part of Facet. Facet's own Form ADV says similar services could be available from other advisers at lower fees. The Wealthfront review covers the account, our guide to the best robo-advisors compares it with other robo-advisors, and you can open a Wealthfront account from here.
| Spec | Wealthfront |
|---|---|
| Category | Robo-advisor |
| Best for | Low-cost managed investing only |
| How it charges | Percentage of assets |
| Yearly price | 0.25%, $500 minimum |
| Tax filing included | No |
| Human advisor | None |
Pros
- 0.25% a year
- $500 to start
- No account transfer fees
Cons
- No advisor or written plan
- No tax filing
- The dollar fee grows with your balance
Methodology for choosing the best Facet alternatives
Our methodology for choosing the best Facet alternatives started from the firms Google's AI Overviews name for "facet alternatives" and "facet wealth alternatives," plus the Reddit threads those searches return. We kept firms a US household can hire that Tweed has reviewed, plus Betterment.
We sorted the firms by how they charge, checked each price on the company's own pricing page between October 12 and 18, 2026, and recorded which tier files your taxes and who you work with. Reddit informed the reasons people leave and the cons, and it didn't change the order.
How to choose a Facet alternative in 4 steps
To choose a Facet alternative, decide what you'd keep from Facet, then price that at your balance and before your renewal date.
Step 1: Decide what you'd keep from Facet
Decide what you'd keep from Facet: a written plan with a CFP, tax filing, a managed portfolio, or answers to investment questions. Firms 1 to 4 keep the CFP, firms 5 and 6 keep the managed money with an advisor, and firms 7 and 8 keep one part only.
Step 2: Price tax filing across the flat-fee firms
To price tax filing across the flat-fee firms, compare the cheapest tier at each firm that files your return, in the first year and after.
| Firm and tier | Year one | Each later year | Five years at current prices | Planner |
|---|---|---|---|---|
| Facet Plus | $5,500 | $5,500 | $27,500 | CFP team |
| Domain Money Strategic | $5,200 | $4,200 | $22,000 | One dedicated CFP |
| Range Titanium | $12,500 | $12,500 | $62,500 | Team with CPAs |
Without tax filing, Facet Core at $2,600 is the lowest flat price here, with Domain Money Essential renewing at $2,900 and Range Premium at $3,950. Add what a tax preparer would charge you to the cheaper option before you compare.
Step 3: Price a percentage fee at your balance
To price a percentage fee at your balance, find your managed balance in the left column and read across.
| Managed balance | Facet Core | Facet Plus | Empower 0.89% | Betterment Premium 0.65% | Wealthfront 0.25% |
|---|---|---|---|---|---|
| $250,000 | $2,600 | $5,500 | $2,225 | $1,625 | $625 |
| $500,000 | $2,600 | $5,500 | $4,450 | $3,250 | $1,250 |
| $750,000 | $2,600 | $5,500 | $6,675 | $4,875 | $1,875 |
Fund expense ratios come on top of each percentage fee, and Facet's fee also buys planning. For portfolio management alone, compare the best robo-advisors.
Step 4: Switch before your Facet renewal date
Switch before your Facet renewal date, because Facet's year is non-refundable. Book an intro call with the new firm about a month ahead, cancel Facet for the next term in writing, and ask whether your managed accounts can move in kind. The Facet review covers the window to move accounts and the transfer fees.
Project your managed balance five or ten years out with the Tweed Retirement Calculator. Then use the Step 2 and Step 3 tables to see which fee is lower at that balance.
Frequently asked questions about Facet alternatives
Is there a free alternative to Facet?
There is no free alternative to Facet that includes a human planner, but free software covers part of the work. Boldin Basic models your retirement at no cost, Empower's dashboard tracks your accounts for free, and Mezzi's free tier connects every account. None of them gives you a CFP to plan with.
Is an hourly financial planner cheaper than Facet?
An hourly financial planner can cost less than Facet if you need help a few times a year instead of all year. Advisers in networks such as the Garrett Planning Network bill by the hour, and Facet charges $2,600 or more for a full year. Ask for the hourly rate in writing and estimate the hours you'll use.
Which Facet alternatives file multi-state tax returns?
Range and Domain Money both file multi-state tax returns on named tiers. Range's Titanium covers up to three state returns and charges $500 for each extra state, and Domain Money's Strategic covers two states, with unlimited states on Comprehensive. Facet's pricing page doesn't say how many states Plus and Complete cover, so ask first.
Sources
- https://facet.com/pricing
- https://www.domainmoney.com/pricing
- https://www.range.com/pricing
- https://www.ellevest.com/financial-planning
- https://www.betterment.com/pricing
Personal finance writer, former Forbes contributor and This Week in Fintech writer. He isn't a financial advisor or a CPA.
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