5 Facet Wealth Alternatives for Financial Planning in 2026
By Novak Financial Partners · Updated September 2026
Disclosure: Novak Financial Partners published this article and is included in the comparison. We have a financial interest in prospective clients considering our firm. Fees for the firms discussed are based on publicly available information reviewed as of September 4, 2026. Actual fees may vary based on account size, services, negotiation, household complexity, and other factors. Prospective clients should review each firm's current Form ADV and advisory agreement.
Key takeaways
- Facet charges a flat annual fee of $2,600 to $8,700 across three tiers, with no stated asset minimum
- The five alternatives below range from a small, personal financial planning practice to advice-only planning and high-net-worth private wealth management
- Advisor continuity varies: some firms provide a dedicated advisor, while others use a team-based model or offer access to a broader group of planners
The five Facet Wealth alternatives compared in this guide are Domain Money, Nectarine, Novak Financial Partners, Range, and Wedmont Private Capital. Each offers a different alternative to Facet's membership model. Domain Money bundles tax filing and estate documents into its higher tiers. Nectarine is advice-only, with no investment management. Novak Financial Partners offers an ongoing relationship through a small financial planning practice. Range pairs a team of specialists with an AI-driven platform. Wedmont is a flat-fee option built specifically for households with $1 million or more invested.
Understanding the Facet Wealth model
Facet is a flat-fee financial planning and investment management platform. Instead of charging a percentage of assets under management, it offers three annual membership tiers:
- Core ($2,600/year): Access to CFP® professionals, retirement and life planning, investment management, and tax-savings strategies
- Plus ($5,500/year): A dedicated CFP® team, equity-compensation planning, and tax filing through Facet's designated tax-filing partner
- Complete ($8,700/year): A dedicated CFP® professional, comprehensive tax analysis, and Direct Indexing
After the first year, Facet lists one annual planning meeting for Core, two for Plus, and four for Complete, with unlimited planner messaging included across all three tiers.
Facet states no asset minimum. A $300 enrollment fee applies unless the membership is paid annually, and estate planning is available separately through Wealth.com.
Facet may be a strong fit for households wanting a digital platform with broad planning capabilities and tiered access to CFP® professionals. Someone may prefer an alternative if they want a more personal relationship with a smaller practice, need advice without investment management, prefer certain services bundled together, or want private wealth management designed for higher-net-worth households.
Facet vs. the alternatives
| Firm | Annual price | Advisor and service model | Best suited for |
|---|---|---|---|
| Facet | $2,600–$8,700 | Any CFP® at Core; dedicated CFP® team or advisor at Plus/Complete | Households wanting a tiered planning platform with access to CFP® professionals |
| Domain Money | $3,900–$9,000 (yr 1) | Dedicated CFP®; spouse or partner included at no extra cost | Households wanting a dedicated CFP® professional with tax filing and estate documents available |
| Nectarine | $175–$400/hr; $2,500–$5,200/project; $200–$500/mo | Client-selected advisor; no investment management | DIY investors wanting financial advice without ongoing investment management |
| Novak Financial Partners | $4,000–$6,000 | Clients work directly with one of the practice's two CFP® professionals | Households wanting a personal relationship with a small financial planning practice |
| Range | $3,950–$12,500 | Team of CFPs and CFA charterholders, with CPAs at higher tiers, plus an AI assistant (Rai) | Households wanting a technology-driven experience supported by a team of financial professionals |
| Wedmont Private Capital | $15,000 flat | Dedicated advisor and team; coordinates with your outside CPA and attorney | Investors with $1 million or more wanting flat-fee private wealth management |
Pricing as of September 2026. Confirm current numbers on each firm's site before deciding.
A closer look at each alternative
Domain Money
Domain Money pairs clients with one dedicated CFP® (a spouse or partner is included at no extra cost) across three tiers, priced $3,900 to $9,000 in year one and renewing lower after that. It's a fit for households that want tax filing and estate-document services included in the membership at higher tiers.
Those services start at the Strategic tier ($5,200 year one). The entry-level Essential tier includes planning and investment management but not tax filing or estate documents.
Nectarine
Nectarine is an SEC-registered investment adviser offering advice-only financial planning through a roster of advisors clients can choose from. Services are priced by the session ($175–$400/hour), by project ($2,500–$5,200 for an eight-week plan), or as an ongoing relationship ($200–$500/month).
The clearest reason to choose Nectarine over Facet is that it doesn't manage investments at all; you pay for advice and implement it yourself. That's a good fit for someone who wants a second opinion or a one-time plan, but not for someone who wants ongoing investment management included.
Website | Services and Pricing
Novak Financial Partners
Novak Financial Partners may be a strong fit for high-earning households that want comprehensive planning and investment management through a small financial planning practice. Clients work directly with one of the practice's two CFP® professionals for a flat annual fee of $4,000 or $6,000, with no asset minimum.
Both plans include comprehensive planning covering investments, taxes, retirement, employee benefits, insurance, and estate coordination, along with ongoing investment management. One consideration: Novak does not file tax returns or draft estate documents in-house, so clients who want those bundled into a single membership may prefer Domain Money or Facet's higher tiers.
Range
Range is built for households that want a tech-forward platform alongside human advice. Its three membership tiers range from $3,950 to $12,500 per year and include investment management, tax-loss harvesting, and access to Range's AI assistant, Rai.
Range is explicit that clients work with a team rather than one dedicated advisor. Tax filing is only included at the top tier, so lower tiers require a separate tax preparer.
Wedmont Private Capital
Wedmont charges a single flat fee of $15,000 a year per household, regardless of portfolio size, for high-net-worth investors with $1 million or more in investable assets. Unlike Facet's tiered membership structure, Wedmont publishes one household fee for clients who meet its minimum.
Wedmont builds a custom investment portfolio and coordinates with a client's own CPA and estate attorney rather than filing returns or drafting documents itself. Below the $1 million threshold, Wedmont isn't an option.
How to choose
- Who will you actually work with? Facet provides access to CFP® professionals at Core, a dedicated CFP® team at Plus, and a dedicated CFP® professional at Complete. Domain Money provides a dedicated CFP® professional. Nectarine allows clients to select their advisor. Novak clients work directly with one of the practice's two CFP® professionals. Range uses a team-based model. Wedmont provides a dedicated advisor and team.
- Do you have $1 million or more invested? That's the point where Wedmont's flat, portfolio-size-independent fee becomes an option.
- Do you want tax filing and estate documents bundled in? Domain Money's higher tiers include tax filing and estate-document services. Facet's higher tiers include tax filing, while estate planning is available separately through Wealth.com. Novak and Wedmont coordinate with your own CPA and attorney instead.
- Do you want investment management, or just advice? Every firm here manages investments except Nectarine, which is advice-only.
Frequently asked questions
What are the best alternatives to Facet Wealth?
Five alternatives to Facet Wealth are Domain Money, Nectarine, Novak Financial Partners, Range, and Wedmont Private Capital. Domain Money provides a dedicated CFP® professional with tax filing and estate documents at higher tiers. Nectarine provides advice without investment management. Novak offers a personal relationship through a small financial planning practice. Range provides a technology-driven experience supported by a team of financial professionals. Wedmont offers flat-fee private wealth management for investors with $1 million or more.
How much does Facet cost?
As of September 2026, Facet's flat-fee membership runs from $2,600/year (Core) to $8,700/year (Complete), with a $5,500/year mid tier (Plus). A $300 enrollment fee applies unless you pay annually.
Do any of these firms have an asset minimum?
Wedmont requires $1,000,000 or more in investable assets. Facet, Domain Money, Novak Financial Partners, and Range do not state an asset minimum. Nectarine does not manage investments, so no investment minimum applies.
Which alternative includes integrated tax filing?
Domain Money includes it starting at its Strategic tier, and Range only at its top Titanium tier. Nectarine, Novak, and Wedmont do not file tax returns; Novak and Wedmont coordinate with your own CPA instead.
Facet, Domain Money, Nectarine, Novak Financial Partners, Range, and Wedmont each take a different approach to financial advice without a traditional percentage-of-assets fee. The right one comes down to how much you have invested, whether you want a dedicated advisor or a team, and whether you want tax filing and estate documents bundled into the fee.
Looking for an ongoing relationship with a small financial planning practice?
Book a free 30-minute intro call with Novak Financial Partners to see if our flat-fee planning is a fit for your situation. No obligation.
See if flat-fee planning is right for youThis article is for educational and informational purposes only and does not constitute personalized financial, legal, or tax advice. Novak Financial Partners published this article and is included in the comparison; we have a financial interest in prospective clients considering our firm. Pricing and services described for every firm, including Novak, were sourced from each firm's official website as of September 2026 and are subject to change; confirm current details directly with each firm. This article is not a recommendation or endorsement of any firm named. For additional disclosures please visit corepln.com/disclosures.
This article is for general educational purposes and is not personalized financial, tax, legal, or investment advice. Advisory services offered through Core Planning LLC, a Registered Investment Advisor.
