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Facet alternatives

Facet Alternatives in 2026: Four Flat-Fee Planning Options Compared

This guide compares Facet, Flames FP, Range, and Domain Money across publicly stated pricing, advisor model, investment implementation, and tax and estate scope. It is designed to show service-model differences and help readers identify questions to ask each provider.

Reviewed and source-checked October 23, 2026 by Joel Miller, CFP. Pricing and services can change; confirm current terms with each provider.

Publisher disclosure: This comparison was prepared by Flames Financial Planning, a competing advisory firm that may benefit if a reader becomes a client.

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Side by side

Compare Four Flat-Fee Financial Planning Options

Flames FP, Facet, Range, and Domain Money offer different combinations of advisor access, services, and membership terms. Compare what’s included, not just the starting price.

Scroll across to compare all four firms. Each row answers the same question.

Published membership details checked October 23, 2026. Annual prices unless noted; Domain Money prices are year one. Membership scope differs.
Your decisionFacetFlames FP Publisher of this guideRangeDomain Money
What will I pay?
$2,600 Core
$5,500 Plus
$8,700 Complete
Promotional pricing may apply.
$3,600 Planning
$6,600 Premier
$3,950 Premium
$5,950 Platinum
$12,500 Titanium
$3,900 Essential
$5,200 Strategic
$9,000 Comprehensive
Year one. Renewals: $2,900 / $4,200 / $8,000 respectively.
Who will I work with?Core ($2,600): CFP access
Plus ($5,500): dedicated CFP team
Complete ($8,700): dedicated CFP		A dedicated CFP in every tierA team of CFPs and specialistsA dedicated CFP in every tier
How is it billed?Annual agreement; pay annually or quarterly.Non-refundable. $300 enrollment fee waived with annual payment.Quarter to quarterNo annual commitment or setup fee. Paid quarters are non-refundable.Annual membership pricingConfirm payment and renewal terms in the agreement.First-year fee, then lower annual renewal fee
Are investments managed?Yes, all tiersCore ETF portfolios; advanced strategies in higher tiers.Yes, both membershipsPersonalized management, monitoring and rebalancing. No AUM advisory fee.Yes, all tiers0% AUM advisory fee. Some third-party strategies may charge separately.Yes, all tiers0% AUM advisory fee.
Which tier files my taxes?Plus ($5,500) & Complete ($8,700)Through a tax-filing partner. Not included in Core ($2,600).Premier ($6,600)Eligible personal return through an independent partner. Not included in Planning ($3,600).Titanium ($12,500)Not included in Premium ($3,950) or Platinum ($5,950). Filing limits and extra fees apply.Strategic ($5,200) & Comprehensive ($9,000)Not included in Essential ($3,900).
Where are Roth conversion and IRMAA planning listed?Complete ($8,700)Current-year tax projection for Roth conversions. A Roth conversion recommendation is listed in every tier. IRMAA is not listed.Premier ($6,600)Ongoing tax projections plus Roth-conversion and capital-gain modeling. Medicare premium (IRMAA) thresholds are covered in our retirement tax planning approach but not itemized on the pricing page.Platinum ($5,950) & Titanium ($12,500)Forward-looking tax projections. Backdoor Roth conversions in all tiers. Roth conversion laddering and IRMAA are not listed.Comprehensive ($9,000)Roth conversion laddering and IRMAA limits optimization. Strategic ($5,200) lists tax projections and backdoor Roth.
Are estate documents included?Separate Wealth.com add-on$1,200 standard first year; $100 renewal. Initial-purchase promotions may apply.Planning ($3,600) & Premier ($6,600)Wealth.com document access included.Platinum ($5,950) & Titanium ($12,500)Document creation included; confirm document scope.Strategic ($5,200) & Comprehensive ($9,000)Document creation included.
How much outside capital has the firm raised?Over $210MReported by Facet, October 2024. Includes debt financing.$0Independently owned. No outside investment capital raised.Over $100MReported by Range, November 2025.$33MReported by CB Insights. Funding size does not measure service quality.
Check the original sourceFacet pricing & terms ↗Flames memberships ↗Range pricing & terms ↗Domain pricing & terms ↗

Fees are based on publicly available information reviewed October 23, 2026. Actual fees may vary based on account size, services, negotiation, household complexity, and other factors. Prospective clients should review each adviser's current Form ADV and advisory agreement.

A published headline price is only one comparison point. Before choosing any provider, request the current agreement and confirm the exact advisor relationship, meeting cadence, investment authority, tax-filing scope, estate-document scope, renewal terms, and potential third-party fees.

Discovery Meeting

Comparing these options for your own situation?

A Discovery Meeting is a conversation with a CFP about the scope questions above. There is no obligation to become a client.

Schedule a Discovery MeetingReview Flames Pricing

Funding

Different Funding Paths

Facet, Range, and Domain Money have each reported raising outside capital, from $33 million to more than $210 million. Flames Financial Planning is independently owned and has not raised outside investment capital.

Funding structure is one factor to weigh, not a measure of service quality. Outside capital may support technology, hiring, and expansion. Self-funded growth may mean fewer resources for those investments. Ownership can also shape a firm's incentives, which is why each adviser's Form ADV discloses ownership and conflicts of interest.

Publicly reported capital raisedOutside capital raised, in millions of dollars
  • FacetOver $210M
  • RangeOver $100M
  • Domain Money$33M
  • Flames FP$0

Reported funding totals. Figures are rounded and include debt financing where reported. Some firms' totals may have increased.

Sources: Facet's October 2024 financing announcement, Range's November 2025 funding announcement, and CB Insights for Domain Money. Figures are minimum reported or rounded funding totals, not company valuations or client assets. Facet's reported financing includes debt. As of October 2026.

Flames FP: $0 outside capital raised

Flames was built without outside investors

Flames FP is independently owned, with no outside equity investors and no venture capital funding. It has grown one household at a time, and fees come from flat quarterly memberships with no AUM fee.

Independent ownership does not by itself change the cost or quality of planning. Compare scope, fees, and conflicts of interest for each firm before choosing.

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Publisher of this guide

Flames FP

May fit when you want tax planning, Roth conversion modeling, and eligible tax filing coordinated with your investments.

  • Premier ($6,600 a year) lists tax projections, Roth conversion modeling, retirement income planning, and eligible tax filing through an independent tax partner. Eligibility and exclusions apply.
  • Quarterly billing, no annual commitment, and one dedicated advisor.
  • Planning ($3,600 a year) may fit households that want coordinated planning and a review of one completed return.
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Published range
$3,600 to $6,600 a year
Billing
Quarterly, no annual commitment
Minimum balance
None
Households we meet
Many who schedule a discovery meeting report roughly $1M to $5M in investable assets.

Make the comparison personal

What Do You Need From Your Advisor?

Use your priorities to narrow the options, then compare the membership that delivers the work you need.

A relationship that lasts

If continuity matters, ask who owns your plan and who joins your meetings. A dedicated CFP, a dedicated team, and access to a specialist pool describe different working relationships.

Help putting the plan into action

Identify what you want handled: managing investments, preparing a tax return, or creating estate documents. Compare those specific services and their eligibility requirements.

A fee and commitment that fit

Compare first-year and renewal costs, payment timing, and cancellation terms. Quarterly payments can still come with an annual agreement.

Where to go next

Choose Your Next Step

Once you know which priorities matter most, these pages cover the details that usually decide the comparison.

Compare

Compare Facet and Flames FP side by side

Review published fees, commitment terms, advisor access, tax filing, and estate scope for the two firms most often compared.

Read the Facet comparison
Learn

See how flat fees and AUM fees differ

Understand how a flat membership and a percentage-of-assets fee are structured, and which situations each model may fit.

Read the fee-model guide
Talk it through

Ask your questions in a discovery meeting

Talk through your situation and the scope questions above with a CFP. There is no obligation to become a client.

Schedule a Discovery Meeting

Flat-fee memberships

Two Ways to Work With Flames.

Planning coordinates the full financial picture. Premier adds deeper modeling, implementation, tax filing, and professional coordination when the work becomes more complex.

Shared foundation

Included in every Flames membership

  • Dedicated Flames advisor
  • Personalized investment management
  • Financial Dashboard
  • No AUM advisory fee

Comprehensive ongoing planning

Flames Planning

$900 / quarter

$3,600 annualized

For established professionals and families who want investments, taxes, retirement, insurance, and estate planning coordinated.

Included in Flames Planning

  • Comprehensive ongoing financial planning
  • Personalized investment management, monitoring, and rebalancing
  • Proactive tax guidance and review of one completed personal tax return
  • Retirement, insurance, and estate decisions coordinated in one plan
  • Wealth.com will- or trust-based estate documents from day one
  • Ongoing planning conversations, plan updates, and Dashboard updates
Schedule a Planning Meeting

Advanced planning and implementation

Flames Premier

$1,650 / quarter

$6,600 annualized

For high-asset households, pre-retirees, retirees, and families facing advanced tax, retirement-income, estate, or implementation decisions.

Everything in Flames Planning, plus

  • Advanced planning led by your dedicated Flames advisor
  • Ongoing tax projections, Roth-conversion, and capital-gain modeling
  • Retirement-income, Social Security, and withdrawal implementation
  • Eligible tax-return preparation and filing with an independent tax partner
  • Equity-compensation, concentrated-position, and charitable planning
  • Advanced estate strategy, professional coordination, and priority access
Schedule a Premier Meeting

Billed quarterly in advance. No annual commitment.

Compare full membership details → Not sure which fits? Start with discovery →

Comparison checklist

How to Compare Headline Prices and Service Scope

  • Ask who you will work with. CFP access, one dedicated advisor, a dedicated team, and a pooled specialist model can create different experiences.
  • Separate tax planning from tax filing. Confirm who prepares and signs the return and what K-1, rental, state, crypto, trust, or business work costs extra.
  • Confirm investment implementation. Ask whether the firm will manage accounts, make recommendations only, or use a third-party platform with separate fees.
  • Check the commitment and renewal structure. Compare annual agreements, quarterly renewals, first-year pricing, renewal pricing, and refund terms.
  • Confirm estate-planning scope. Document access, attorney review, and legal advice are not interchangeable.
  • Request current documents. Provider websites and promotions can change, so use the current client agreement as the final source of truth.

Planning in practice

How Roth Conversion Planning and Tax Filing Fit Together

Tax planning and tax filing are easiest to compare when you can see the sequence. This general example shows one way the work could be organized, whichever provider you choose.

Hypothetical

Example for education only. It does not describe a real household, includes no investment returns or dollar outcomes, and is not a recommendation. A Roth conversion can increase taxable income and may affect other items, including Medicare premiums.

  1. Early in the year. Gather the prior-year tax return, expected income sources, and account balances.
  2. Mid-year. Project the year's taxable income and see where it sits relative to tax brackets and Medicare income-related thresholds.
  3. Later in the year. Model a range of possible conversion amounts, compare the tax cost of each, and decide whether to convert.
  4. Year end. Confirm actual income, complete any conversion before December 31, and share the figures with whoever prepares the return.
  5. Filing season. The conversion is reported on that year's return. Ask each provider whether it prepares the return or coordinates with your CPA, and what limits or extra fees apply.

Primary sources: IRS: Roth IRAs and SSA: Medicare premiums for higher-income beneficiaries. Related reading: retirement tax planning, Roth conversions and IRMAA brackets, and how tax filing works with a financial advisor.

Detailed comparisons

Read the Head-to-Head Pages

These pages use the same dated-source approach to examine the three firms most directly compared with Flames FP.

Advisor access varies by tier

Flames FP vs Facet

Compare published fees, commitment structure, advisor access, meeting cadence, tax filing, and estate scope.

Read the Facet comparison
Team-based model

Flames FP vs Range

Compare one ongoing advisor with a team-based platform, along with published annual tiers and service scope.

Read the Range comparison
Dedicated-CFP model

Flames FP vs Domain Money

Compare quarterly pricing with first-year and renewal pricing, advisor structure, tax filing, and estate scope.

Read the Domain Money comparison

Sources and method

How This Comparison Was Built

Each statement is attributed to information on the provider's public website and was rechecked October 23, 2026. We compared published pricing, advisor relationship, investment implementation, tax scope, estate scope, commitment structure, and stated limitations. We did not independently audit each provider's operations or client experience, and we do not treat a lower headline price as automatically better when the scope differs.

What we compared

  • Published pricing
  • Advisor relationship
  • Investment implementation
  • Tax scope
  • Estate scope
  • Commitment structure
  • Stated limitations

Company names and trademarks belong to their respective owners. Flames Financial Planning is not affiliated with or endorsed by Facet, Range, or Domain Money. This page is educational, reflects public information reviewed October 23, 2026, and is not individualized investment, tax, or legal advice.

Frequently asked questions

Facet Alternatives FAQ: Pricing, Tax Filing, and Advisor Access

Answers use each firm's published terms, reviewed October 23, 2026. Confirm current details with each provider.

What are the alternatives to Facet Wealth?

Flames FP, Range, and Domain Money are three alternatives that publish flat-fee planning memberships like Facet's. They differ in price, advisor access, investment management, tax filing, and estate scope, so compare what each membership includes, not only the starting price. Flames FP publishes this guide and is one of the four firms compared.

How much does Facet financial planning cost?

Facet publishes three annual memberships: Core at $2,600, Plus at $5,500, and Complete at $8,700, based on its public pricing checked October 23, 2026. Facet's agreement is annual, and a $300 enrollment fee is waived with annual payment. Promotional pricing may apply, so confirm current terms with Facet before enrolling.

How do Facet, Range, Domain Money, and Flames FP compare on price?

Published annual starting prices are $2,600 for Facet Core, $3,600 for Flames Planning, $3,900 for Domain Money Essential (year one), and $3,950 for Range Premium. Top published tiers are $8,700 for Facet, $6,600 for Flames, $9,000 for Domain Money, and $12,500 for Range. Scope differs by tier, so compare inclusions as well as price.

Is Facet worth it?

It depends on the services you need. Facet's published memberships include investment management in every tier and add tax filing in Plus and Complete, but they run on an annual agreement and scope varies by tier. This guide compares published terms only and does not evaluate client reviews or results, so read Facet's current agreement and Form ADV before deciding.

Does Facet offer tax filing, and who else includes it?

Facet lists tax filing in its Plus ($5,500) and Complete ($8,700) tiers through a tax-filing partner, and not in Core. Domain Money lists filing in Strategic and Comprehensive, Range in Titanium, and Flames Premier may include one eligible individual return through an independent partner. Filing limits and extra fees may apply. See how tax filing works with a financial advisor.

What is the difference between a flat-fee advisor and a 1% AUM advisor?

A flat-fee advisor charges a set membership or project price, while an AUM advisor charges a percentage of managed assets. For illustration only, a 1% fee on $1,000,000 equals $10,000 a year, and that amount rises or falls with the balance. A flat fee may cost less at larger balances and more at smaller ones. Read the flat fee vs 1% AUM guide.

Who will be my advisor at Facet, Flames FP, Range, and Domain Money?

Facet lists CFP access in Core, a dedicated CFP team in Plus, and a dedicated CFP in Complete. Flames FP uses one dedicated advisor in Planning and Premier. Range uses a team of CFPs and specialists, and Domain Money lists a dedicated CFP in every tier. Ask each firm who owns your plan and who attends your meetings.

Do Facet, Range, and Domain Money offer Roth conversion planning?

Yes, each lists some Roth conversion support, depending on tier. Facet lists a Roth conversion recommendation in every tier and a current-year tax projection in Complete. Range lists backdoor Roth conversions in all tiers, and Domain Money lists Roth conversion laddering in Comprehensive. Flames lists Roth-conversion modeling in Premier. Only Domain Money's pricing page lists IRMAA limits optimization, so confirm Medicare premium coverage with each firm. See Roth conversions and IRMAA brackets.

How is Flames FP different from Facet?

Flames FP publishes two memberships, Planning at $3,600 and Premier at $6,600 per year, billed quarterly with no annual commitment and one dedicated advisor. Facet lists three annual tiers from $2,600 to $8,700 on an annual agreement. Both include investment management. Flames publishes this guide and may benefit if you become a client. See the full Flames FP vs Facet comparison.

Does Flames FP work with Minnesota households and clients outside Minnesota?

Yes. Flames FP is based in Minnetonka, Minnesota, and works with clients nationwide virtually where permitted. Planning and Premier include personalized investment management, estate-document access, and quarterly billing with no AUM advisory fee. Premier may also include eligible tax filing through an independent partner, subject to scope requirements. Review Flames pricing.

Why aren't robo-advisors and budgeting apps in this comparison?

This page covers four providers that publish flat-fee financial-planning relationships. Robo-advisors, budgeting apps, and software subscriptions can be useful, but their scope differs enough that placing them in the same table could create a misleading comparison. Browse other options on the comparison hub.

Compare the fit

Choose the Service Model That Fits Your Financial Life.

Review the published scope, request current agreements, and ask direct questions about advisor continuity, implementation, exclusions, and total cost before deciding.

Schedule a Discovery MeetingReview Flames PricingRead the Facet Comparison

What to read or do next

Keep Comparing Before You Decide

Once you have the four options side by side, these pages cover the cost and scope questions that usually come next.

  • Read

    How much does a financial advisor cost?

    See how flat-fee, hourly, and percentage-of-assets pricing are structured, and what each may leave out.

    Read the cost guide
  • Try

    Estimate fees for your own numbers

    Enter a portfolio size to compare a percentage-of-assets fee with a flat membership. Results are illustrative only.

    Open the fee calculator
  • Read

    Check what tax help is included

    Tax-filing scope differs by provider. See how Flames FP handles eligible tax filing and what exclusions apply.

    Read the tax filing guide

Ready to talk through your own situation? A discovery meeting is a conversation with a CFP, with no obligation to become a client.

Schedule a Discovery Meeting