Compare
Novak Financial Partners vs. Facet Wealth
Compare advisor relationships, meeting frequency, pricing, and services across Novak's two-CFP® practice and Facet's tiered national model.
Novak Financial Partners is a two-CFP® practice charging $4,000 for households accumulating wealth and $6,000 for households approaching or navigating retirement. These fees reflect the household's financial stage rather than different levels of advisor access. Clients receive comprehensive planning and investment management while working directly with one of the practice's two CFP® professionals. Advisory services are offered through Core Planning LLC.
Facet Wealth is a larger national planning firm offering Core, Plus, and Complete memberships from $2,600 to $8,700 annually. Advisor assignment, meeting frequency, and certain included services vary by tier.
Side-by-side comparison
| Feature | Novak Financial Partners | Facet Wealth |
|---|---|---|
| Price | $4,000 or $6,000 per year, flat | $2,600 to $8,700 per year across three tiers (Core, Plus, Complete) |
| Asset minimum | None | None stated |
| Advisor relationship | Direct relationship with one of the practice's two CFP® professionals | Any available CFP® at Core; dedicated CFP® team at Plus; dedicated CFP® professional at Complete |
| Planning and investment management | Comprehensive planning and investment management included | Both included at every tier; specialized services expand at Plus and Complete |
| Tax and estate services | Tax planning and outside-professional coordination; no return filing or document drafting | Tax filing partner at Plus and Complete; paid Wealth.com estate add-on at every tier |
| Meetings and communication | Direct CFP® relationship with meetings scheduled as needed | 3–4 meetings in year one; 1–4 annually thereafter by tier; unlimited messaging |
Which one fits you?
Novak may fit you if…
- ✓You want one of the practice's two CFP® professionals to remain your primary advisor
- ✓You want meetings scheduled according to your planning needs rather than a predetermined annual frequency
- ✓You want comprehensive planning and investment management without advisor access changing by service tier
- ✓You prefer a smaller practice that serves clients virtually nationwide and can meet locally in Southern Illinois
Facet may fit you if…
- ✓You want a lower starting price through the Core membership
- ✓You prefer multiple tiers offering different levels of advisor access, meeting frequency, and services
- ✓You want tax-return filing through Facet's designated partner at the Plus or Complete tier
- ✓You want estate documents through an optional paid Wealth.com add-on
Frequently asked questions
Is Novak or Facet cheaper?
Facet's Core tier ($2,600) costs less than either Novak plan. Facet Plus ($5,500) falls between Novak's $4,000 and $6,000 plans, while Facet Complete ($8,700) costs more than both. The plans are not directly equivalent, so compare the advisor relationship, meeting frequency, and included services, not just the annual fee.
What is the primary difference between Novak and Facet?
Both offer flat-fee financial planning and investment management. The primary difference is how the service is delivered. Novak clients work directly with one of the practice's two CFP® professionals and schedule meetings as planning needs arise. Facet offers three membership tiers where advisor assignment, meeting frequency, and certain included services vary by tier.
Does either firm require an asset minimum?
Novak has no asset minimum, and Facet does not state one. Both charge flat annual fees rather than fees calculated as a percentage of managed assets.
Does Novak or Facet prepare tax returns?
Novak provides tax planning and coordinates with your own CPA but does not prepare or file tax returns. Tax return preparation and filing are available at Facet's Plus and Complete tiers through Facet's designated tax-filing partner; Facet's Core tier does not include filing.
Disclosure: Novak Financial Partners created this comparison and has a financial interest in prospective clients considering our practice. Novak Financial Partners is not affiliated with, and this page is not endorsed by, Facet Wealth, Inc. Fees for Facet 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 Facet's current Form ADV and advisory agreement.
Curious how Novak fits your situation?
Book a free 30-minute intro call to learn how we work and see whether Novak may be a good fit.
Schedule a Free Intro CallFlat annual fee. No asset minimum. Serving clients nationwide from Carbondale, IL.