Financial advisory services > Facet Wealth Comprehensive Planning vs. Fidelity Go
Selecting the right financial advisor depends on your needs. Do you require in-depth planning and personalized advice, or are you seeking a simple, automated investment solution? This comparison highlights the key differences between Facet Wealth and Fidelity Go to help you decide.
This comparison analyzes real-world performance, user feedback, and key differentiators to help you make an informed decision.
Quick Verdict
For extensive financial planning and tax optimization, choose Facet Wealth. For low-cost, hands-off investment management, Fidelity Go is a solid choice.
- Facet Wealth offers comprehensive financial planning with dedicated CFPs, while Fidelity Go provides simpler, automated investment management.
- Fidelity Go is more cost-effective for smaller balances, while Facet Wealth's flat fee may be preferable for larger, more complex financial situations.
- Facet Wealth provides robust tax optimization strategies, a key differentiator from Fidelity Go.
Who Should Choose Which?
Choose Facet Wealth Comprehensive Planning if:
Individuals and families with complex financial situations who value personalized advice and comprehensive planning services.
Choose Fidelity Go if:
Beginner investors or those with smaller balances seeking a low-cost, automated investment solution.
Key features – Side-by-Side
| Attribute | Facet Wealth Comprehensive Planning | Fidelity Go |
|---|---|---|
| Annual Advisory Fee | $1,000 - $6,600 (or $2,100 - $8,000) per year, tiered pricing. | No fee under $25,000; 0.35% per year for $25,000+ |
| Financial Planning Services | Comprehensive planning covering retirement, tax, budgeting, insurance, estate, and more. | Goal setting; Financial coaching available for accounts over $25,000. |
| Access to Financial Advisors | Dedicated Certified Financial Planner (CFP). | Unlimited 30-minute coaching calls for accounts over $25,000. |
| Tax Optimization Strategies | Tax-loss harvesting, tax advice from internal professionals, tax preparation & filing included. | May use municipal bonds in taxable accounts; no tax-loss harvesting. |
| Minimum Investment | $0 (but $500 to have Facet manage investments) | $0 to open, $10 to start investing |
| Mobile App Availability | No standalone app; secure online portal. | Yes, through the Fidelity Investments app. |
Overall Comparison
Pros and Cons
Facet Wealth Comprehensive Planning
- Comprehensive financial planning services
- Flat fee structure provides cost predictability
- Access to dedicated Certified Financial Planners (CFPs)
- Tax optimization strategies, including tax-loss harvesting
- Fiduciary responsibility to act in client's best interest
- Suitable for individuals and families with complex financial needs
- Viable choice for young professionals and couples with a growing net worth
- No minimum investment required
- Flat fee may seem expensive for clients with simple financial needs
- No standalone mobile app
- Reliance on virtual communication may not suit all clients
Fidelity Go
- Cost-competitive, especially for lower balances
- No advisory fees for balances under $25,000
- Access to financial advisors for accounts with balances over $25,000
- Offers pre-built portfolio allocations
- 24/7 phone support
- Does not offer tax-loss harvesting
- Fidelity has a conflict of interest in recommending its own funds
User Experiences and Feedback
Facet Wealth Comprehensive Planning
- Clear and consistent costs, regardless of portfolio size
- Continuous access to a CFP
- Comfortable with online interactions
- Cannot meet the account minimums imposed by other full-service firms
- No major complaints reported.
- Cost-efficient for clients with larger portfolios
Fidelity Go
- Suitable for hands-off investors
- Good for beginner investors
- Beneficial for existing Fidelity clients
- Appropriate for individuals with both high and average net worth
- Ideal for those wanting low-cost management
- No major complaints reported.
- No value feedback reported.
Frequently Asked Questions
Which service offers tax-loss harvesting?
Facet Wealth offers tax-loss harvesting, while Fidelity Go does not.
Do I get a dedicated financial advisor with either service?
Facet Wealth provides a dedicated CFP. Fidelity Go offers coaching calls for accounts over $25,000.
Sources & Citations
- Official product specifications
- Expert reviews from tech publications
- User feedback from online forums
Information gathered through AI-assisted web search and analysis. Last updated: September 2025
Methodology & Transparency
Our comparison methodology combines multiple data sources to provide comprehensive, unbiased analysis:
- Data Collection: We gather information from official specifications, user reviews, and independent testing
- AI-Assisted Analysis: Advanced AI helps process large amounts of data while maintaining accuracy
- Human Oversight: All comparisons are reviewed for accuracy and relevance
- Regular Updates: Content is refreshed to reflect new information and user feedback
- Bias Mitigation: We strive for objectivity by considering multiple perspectives and sources
Versusly.ai uses AI-assisted content generation combined with human oversight to deliver comprehensive comparisons. We are transparent about our process and continuously work to improve accuracy and usefulness.