Facet vs Vanguard Digital Advisor: Which Is Better in 2026?

Prices checked October 2026. A price marked (Oct 2026) was read on the vendor's own pricing page; others are described without a number because we could not verify one.

Flat-fee financial planning with a dedicated CFP professional, priced by complexity.

How it works: You pay an annual membership and are assigned a CFP professional who covers planning across tax, insurance, estate coordination and retirement, with investment management available inside it. Because the fee is flat and set by complexity, it does not rise as your portfolio grows, and that is its main argument against the percentage model.

In practice, Facet’s AI none; this is human planning. It is a robo-advisor (hands-off automated investing), best suited to flat-fee financial planning with a dedicated CFP. On connecting an account: no (manages assets it custodies, planning covers the rest). On execution: advisor-managed. Cost: $2,600, $5,500 or $8,700/yr flat, no asset minimum (Oct 2026).

One real limitation: The flat fee is large in absolute terms at small balances, so it only beats a percentage once you have enough assets or enough complexity.

Vanguard's automated portfolio service, built from its own index funds at one of the lowest all-in costs in the category. Best for committed indexers.

How it works: A questionnaire sets a target allocation, and Vanguard builds it from a small set of its own index funds inside a Vanguard account, rebalancing automatically. Vanguard quotes the fee net of the underlying fund costs it already earns, which is why the all-in number is among the lowest available and why comparing it to a competitor's headline rate is not apples to apples.

In practice, Vanguard Digital Advisor’s AI automates a Vanguard index portfolio. It is a robo-advisor (hands-off automated investing), best suited to low-cost automation for people who already believe in index funds. On connecting an account: no (holds your money at Vanguard). On execution: automated. Cost: 0.20%/yr index or 0.25%/yr active, $100 minimum (Oct 2026).

One real limitation: It invests in Vanguard funds only, so it is an allocation service. It does not compare what is best across the market.

Category comes first. Facet focuses on flat-fee financial planning with a dedicated CFP (none; this is human planning), and Vanguard Digital Advisor on low-cost automation for people who already believe in index funds (automates a Vanguard index portfolio). On broker connection they differ too: Facet is “No (manages assets it custodies, planning covers the rest)” versus Vanguard Digital Advisor at “No (holds your money at Vanguard)”. That shapes everything downstream: how personal the answers are, where trades settle, and how much control you keep over individual positions.

Every tool gives something up for what it does well. Below is the give-and-take on each, so you can weigh the specific strengths against the limitations that come with them, beyond the headline category.

For AI investing tools, the distinction that matters most is whether the tool works from your actual, connected positions or reasons from something else: a separate account it manages for you, or the tickers and numbers you feed it. It decides how personal the answers can be, and where your money physically lives.

• Facet: manages a separate account it holds. Facet does not read the brokerage you already use. It opens and holds a new account, then invests the money you move into it, so its view is limited to what sits inside Facet.
• Vanguard Digital Advisor: manages a separate account it holds. Vanguard Digital Advisor does not read the brokerage you already use. It opens and holds a new account, then invests the money you move into it, so its view is limited to what sits inside Vanguard Digital Advisor.

On this specific question the two land on the same side, so the deciding factors between them are elsewhere: category, cost, and who each is built for. This holdings-aware angle is the one Walnut is built around: it connects the brokerage you already use and reasons from your live positions, read-only by default, with any trades left for you to approve.

Each one wins a different job, so the answer depends on which job you need done.

• Choose Facet if you want flat-fee financial planning with a dedicated CFP. Its AI none; this is human planning, and it costs $2,600, $5,500 or $8,700/yr flat, no asset minimum (Oct 2026). It is built for someone with a few hundred thousand or more, or real complexity, who wants planning more than portfolio management and objects to paying a percentage. Keep in mind: the flat fee is large in absolute terms at small balances, so it only beats a percentage once you have enough assets or enough complexity.
• Choose Vanguard Digital Advisor if you want low-cost automation for people who already believe in index funds. Its AI automates a Vanguard index portfolio, and it costs 0.20%/yr index or 0.25%/yr active, $100 minimum (Oct 2026). It is built for someone who already decided index funds are the answer and wants the cheapest automated way to hold them. Keep in mind: it invests in Vanguard funds only, so it is an allocation service. It does not compare what is best across the market.
• Choose Walnut if you want a keep, trim or exit read on the stocks you already own, and placing the trades you approve. It is an AI investing app that connects the broker you already use, and it costs free; Walnut Plus $9.99/mo on the web; no fee on assets.

Because both sit in the same category, the choice comes down to the finer details above. Their basic approach is the same.

Cost is easy to misread when two tools charge in different shapes, so compare the model, not just the number. Facet: $2,600, $5,500 or $8,700/yr flat, no asset minimum (Oct 2026). Vanguard Digital Advisor: 0.20%/yr index or 0.25%/yr active, $100 minimum (Oct 2026). A percentage-of-assets fee scales with your balance, a flat subscription does not, and a “free” tier usually earns elsewhere (on cash, order flow, or premium upgrades), so the cheapest headline is not always the cheapest outcome for your situation.

Prices checked October 2026. Pricing and tiers change, so confirm the current numbers on each provider’s own site before you decide.

Walnut is an AI investing app, and it is the pick for a keep, trim or exit read on the stocks you already own, and placing the trades you approve (free; Walnut Plus $9.99/mo on the web; no fee on assets). It connects the brokerage you already use, read-only by default, gives each holding a keep, trim or exit read against the S&P 500, flags any position above a quarter of the portfolio, and places the trades you approve. You use it through its own assistant, or inside Claude or ChatGPT. See Walnut vs Facet and Walnut vs Vanguard Digital Advisor.