• Retirable and Facet earn 5‑star ratings in WSJ Buy Side analysis of retirement advisors
• Retirable charges 1% AUM (capped at $10,000) or a $500 flat‑fee for planning‑only services
• Facet’s flat‑fee plans range from $2,600 to $8,700 per year depending on membership tier
• Creative Planning requires a $500,000 asset minimum for full planning, with fees from 0.25% to 1.20% AUM

• Creative Planning, Betterment Premium and Facet Wealth earn 5‑star ratings among large RIAs.
• Account minimums range from $500 (Facet) to $200,000 (Creative Planning); fees vary from 0.10% to 1.30% AUM.
• Top firms emphasize CFP‑certified advisors, low fees and broad asset options, though some charge commissions.