High net worth individuals have access to strategies that don't exist at lower asset levels — direct indexing, tax-loss harvesting at scale, charitable trusts, and the kind of sophisticated financial planning that pays for itself many times over in tax savings alone. But more capability means more complexity, and the tools that work for HNW clients are meaningfully different from what works at $100k. The cost of using the wrong financial planning isn't just suboptimal returns — it's leaving real money on the table. This guide ranks the options where the ROI genuinely justifies the cost for high-asset situations.
Not all financial planning are built with high net worth individuals in mind. Here are the key criteria that matter most for your situation:
CFP-led financial planning via subscription
Price: $100–$200/mo · Rating: 4.6/5 ★★★★½
Best for: Mid-career professionals, families with complex finances, pre-retirees
✅ Dedicated CFP for every member
✅ Comprehensive financial plan included
Compare with alternatives →Free net worth tracking + wealth management
Price: $0–1.15% AUM/yr · Rating: 4.3/5 ★★★★☆
Best for: Those with $100K+ who want free tracking tools and option for managed service
✅ Best free net worth and portfolio tracker
✅ Fee analyzer shows hidden fund costs
Compare with alternatives →Free tools + advisor matching platform
Price: Free matching · Rating: 4.0/5 ★★★★☆
Best for: People researching advisors, DIY planners using calculators
✅ 100% free to use
✅ Advisor matching connects you with vetted advisors
Compare with alternatives →💼 Facet is our top-rated financial planning for high net worth individuals in 2026, scoring 4.6/5 overall. It requires a paid plan from the start, but delivers strong value at $100–$200/mo. The ease-of-use score of 4.5/5 makes it accessible even for less technical users.
Runner-up: 💪 Empower (4.3/5) — best if you need those with $100k+ who want free tracking tools and option for managed service.
| Tool | Price | Rating | Free Tier | Best For |
|---|---|---|---|---|
| 💼 Facet | $100–$200/mo | 4.6/5 ★★★★½ | ❌ No | Mid-career professionals |
| 💪 Empower | $0–1.15% AUM/yr | 4.3/5 ★★★★☆ | ✅ Yes | Those with $100K+ who want free tracking tools and option for managed service |
| 🧠 SmartAsset | Free matching | 4.0/5 ★★★★☆ | ✅ Yes | People researching advisors |
Ratings and pricing as of January 2026. Verify current pricing on vendor websites.
The best financial planning varies significantly by situation. See how the rankings change for other audiences:
High Net Worth Individuals have specific needs across many financial categories — not just financial planning:
ℹ️ Vendor-Neutral Rankings are vendor-neutral. We do not accept payments for placement. Data verified January 2026.
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