Item 1: Cover Page

Samir Ahmed
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: February 10, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Samir Ahmed that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Samir Ahmed is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Samir Ahmed was born in 1984. Mr. Ahmed graduated from Florida State University in 2010 with a Master of International Relations. Mr. Ahmed is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started January 2021. Mr. Ahmed is a Mentor at Florida State University and started September 2011. Mr. Ahmed was a Manager at Schwab from May 2020 – January 2021, he was a SMS Financial Advisor at USAA from May 2017 – May 2020, he was an Investment Associate at JPMorgan Chase from January 2014 – April 2017, he was a Registered Rep at USAA from September 2013 – October 2013, he was a Loan Officer at Movement Mortgage from September 2012 – September 2013. Mr. Ahmed was a Brand Advocate at Actionlink from January 2011 – July 2012.

Mr. Ahmed has been a CERTIFIED FINANCIAL PLANNER™ since 2005. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Samir Ahmed is a teaching assistant for an online terrorism course at Florida State University.

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Michael Allred
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Michael Allred that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Michael Allred  is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Michael Allred  was born in 1989.  Mr. Allred graduated from Utah State University with a Bachelor of Science in Accounting.  Mr. Allred is a Registered Investment Advisor Representative and an Associate Planner at Facet Wealth and began his career with Facet in May 2022.  Mr. Allred was a Financial Planning/Accounting Contractor from February 2021 – May 2022; a Financial Planner and Chief Compliance Officer for Hamilton Wealth Management from May 2018 – January 2021; a Registered Representative for Avantax Investment Services from June 2018 – December 2019; and an Associate for ISGAM AG from March 2017 – March 2018.

Mr. Allred has been a CERTIFIED FINANCIAL PLANNER™ since 2019. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None 

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Jonathon Edward Armstrong
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: June 4, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Jonathon Armstong that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Jonathon Edward Armstrong is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jonathon Edward Armstrong was born in 1983. Mr. Armstrong graduated from Illinois State University in 2005 with a Bachelor of Science degree in Criminal Justice. Mr. Armstrong is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started May 2021.  Mr. Armstrong was an Investment Advisor Representative at Virtue Capital Management from October 2018 to April 2021, an Investment Advisor Representative at Horter Investment Management from January 2016 to October 2018, an IAR at Center Street Advisors from January 2015 to December 2015 and an IAR at Brookstone Capital Management from September 2012 to January 2015.

Mr. Armstrong  has been a CERTIFIED FINANCIAL PLANNER™ since 2020. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Jonathon Edward Armstrong has been an ACCREDITED BEHAVIORAL FINANCE PROFESSIONAL (ABFP℠) since 2022.

The ABFP℠ designation program is designed for advanced advisors who wish to master behavioral finance soft skills that enhance financial planning advice and deepen client relationships.

To attain the right to use the ABFP℠ marks, an individual must satisfactorily fulfill the following requirements:

• Online self-study ABFP course and exam 
• Online, closed-book final exam
• Successful completion of 16 hours of Continuing Education every two years.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Jeanette Lynn Beatty
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 9, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Jeanette Lynn Beatty that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Jeanette Lynn Beatty is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jeanette Lynn Beatty was born in 1983 and graduated from Susquehanna University in 2004 with a Bachelor’s of Arts degree in Music. Ms. Beatty is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started October 2020. Ms. Beatty was a Sr. Financial Advisor at Elevations Credit Union/CUSO Financial Services from July 2012 to September 2020, a Financial Advisor at Merrill Lynch Pierce Fenner & Smith from October 2011 to May 2012 and finally Ms. Beatty was a Preferred Relationship Manager at BBVA Compass from June 2006 to November 2011.

Ms. Beatty has been a CERTIFIED FINANCIAL PLANNER™ since 2017. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Justin Bellows
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: January 23, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Justin Bellows that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Justin Bellows is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Justin Bellows was born in 1978.  Mr. Bellows graduated from the University of Texas at San Antonio with the following degrees:  2007 Bachelor of Business Administration; Major: General Business and 2011 Bachelor of Business Administration; Major: Accounting. Mr. Bellows is a Registered Investment Advisor Representative and Planner at Facet Wealth and began his career with Facet in January 2022. Mr. Bellows was an Investment Advisor Representative at Texas Legacy Wealth Management from December 2018 to December 2021 and a Project Manager at Rackspace Technology, Inc. from June 2010 to November 2018. 

Mr. Bellows has been a CERTIFIED FINANCIAL PLANNER™ since 2021. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

David Lloyd Brundage
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 30, 2020 
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about David Lloyd Brundage that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc. ’s Brochure or if you have any questions about the contents of this supplement.

Additional information about David Lloyd Brundage is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

David Lloyd Brundage was born in 1954 and received his Bachelor’s Degree in Business Administration from the University of Nevada, Las Vegas (UNLV) in 1984. Mr. Brundage is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started September 2020. Mr. Brundage was a Personal Financial Representative at Allstate Financial Services from September 2019 to August 2020, self-employed as President of Life Planning University from January 2018 – September 2019, and a Financial Advisor at Ameriprise Financial from May 1993 to May 2018.

Mr. Brundage has been a CERTIFIED FINANCIAL PLANNER™ since 1999. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Mr. Brundage serves as Ward 3 City Councilman in Roanoke, Texas.

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Noreen Burtner
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 3, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Noreen Burtner that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Noreen Burtner is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Noreen Burtner was born in 1969 and graduated from Northern Illinois University in 1991 with a Bachelor of Science in Engineering and from Cardinal Stritch University in 2002 with a Master’s of Business Administration. Ms. Burtner is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started November 2020. Previously, Ms. Burtner was a Wealth Management Advisor at TIAA from March 2015 to November 2020, a Registered Representative at LPL Financial from October 2013 to March 2015, and a Financial Advisor at Edward Jones from June 2009 to October 2013.

Ms. Burtner has been a CERTIFIED FINANCIAL PLANNER™ since 2019. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Evan Thomas Byrne
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: August 18, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Evan Thomas Byrne that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Evan Thomas Byrne is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Evan Thomas Byrne was born in 1989. Mr. Byrne graduated from the University of New Mexico in 2015 with a Bachelor’s of Arts degree in Psychology and Political Science. Mr. Byrne is an Investment Adviser Representative and Associate Planner at Facet Wealth Inc. and started August 2020. He was a Customer Service Representative at Fidelity Brokerage Services from June 2015 to April 2019, as well as a Financial Representative from April 2019 to August 2019. He was a Relationship Manager, also with Fidelity, from August 2019 – August 2020.

Mr. Byrne has been a CERTIFIED FINANCIAL PLANNER™ since 2018. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP^® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Tarif Carson
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: September 24, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Tarif Carson that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Tarif Carson is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Tarif Jamal Carson was born in 1982 and graduated with a BS in Business Administration from Cheyney University of Pennsylvania in 2004. Mr. Carson is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started October 2019. From April 2010 to October 2019, Mr. Carson was a Financial Advisor and from April 2007 to March 2010, he was a Financial Associate, both at The Vanguard Group, Inc.

Tarif Carson has been a CERTIFIED FINANCIAL PLANNER™ since 2009. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Keenan Casey
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: May 28, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Keenan Casey that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Keenan Casey is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Keenan Casey was born in 1989.  Mr. Casey graduated from Kalamazoo College in 2012 with a Bachelor of Arts degree in Economics. Mr. Casey is a Registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started May 2021. Mr. Casey was a Support Advisor at Alpers Financial Planning from September 2019 to May 2021, a Financial Advisor at USAA from August 2016 to August 2019. From April 2016 to August 2016 Mr. Casey was unemployed and from December 2015 to April 2016 he was a Ski Instructor at Vail Resorts.

Keenan Casey has been a CERTIFIED FINANCIAL PLANNER™ since 2019. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Kenneth Connally
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: September 24, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Kenneth Connally that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Kenneth Connally is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Kenneth David Connally was born in 1987 and graduated with a Bachelor’s Degree in Business Administration in 2009 and his Master of Business Administration in Finance and Marketing from the University of North Texas in 2011. Mr. Connally is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started March 2020. From January 2017 to March 2020, Mr. Connally was a Planning Consultant at Charles Schwab, from November 2014 to January 2017, he was a Portfolio Specialist at Fidelity Investments, and from August 2009 to November 2014 he was a Financial Consultant at TD Ameritrade.

Kenneth Connally has been a CERTIFIED FINANCIAL PLANNER™ since 2016. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Robert Anthony Curtis Jr
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: January 15, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Robert Anthony Curtis Jr that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Robert Anthony Curtis Jr is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Robert Anthony Curtis Jr was born in 1991. Mr. Curtis Jr graduated from Saint Joseph’s University in 2017 with a M.S in Finance. Mr. Curtis Jr is an Investment Adviser Representative at Facet Wealth Inc. and started January 2021. Mr. Curtis Jr was a Relationship Manager at eMoney Advisor from July 2020 – November 2020, Mr. Curtis Jr was a Relationship Manager at Vanguard from October 2013 – February 2020. Mr. Curtis Jr was an Insurance Agent at Swarthmore Financial from June 2013 – September 2013. Mr. Curtis Jr was a Computer Tech at ResNet Central from September 2010 – May 2013. Mr. Curtis Jr was an Audit Intern at PwC from June 2012 – August 2012. Mr. Curtis Jr was a teller at Wells Fargo from March 2012 – June 2012.

Robert Anthony Curtis Jr has been a CERTIFIED FINANCIAL PLANNER™ since 2017. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Patrick Daniels
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Patrick Daniels that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Patrick Daniels is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Patrick Daniels was born in 1986.  Mr. Daniels graduated from Ball State University with a Bachelor’s in Business Administration. Mr. Daniels is a Registered Investment Advisor Representative and an Associate Planner at Facet Wealth and began his career with Facet in 2021.  Mr. Daniels was previously a Financial Planning Analyst at Precedent Asset Management, LLC from November 2015 – December 2020.

Patrick Daniels has been a CERTIFIED FINANCIAL PLANNER™ since 2017. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None 

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Kent Delph
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: May 5, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Kent Delph that supplements the Facet Wealth, Inc.  Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Kent Delph is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Kent Delph was born in 1994. Mr. Delph graduated from Indiana University-Purdue University Indianapolis in 2017 with a Bachelor of Arts degree in Economics. Mr. Delph is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started May 2021.  Mr. Delph was a Financial Planner at Evans May Wealth from March 2021 to April 2021, an Associate Advisor at Integrated Planning and Wealth Management from May 2020 – January 2021, and an Associate Financial Consultant at Charles Schwab from July 2017 – April 2020.  Mr. Delph was a student from August 2013 to May 2017

Kent Delph has been a CERTIFIED FINANCIAL PLANNER™ since 2020. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Robert Connor Dillon
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: August 5, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Robert Connor Dillon that supplements the Facet Wealth, Inc.  Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Robert Connor Dillon is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Robert Connor Dillon was born in 1996. Mr. Dillon graduated from the University of Georgia in 2017 with a Bachelor of Financial Planning. Mr. Dillon is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started August 2021.  Mr. Dillon was a High-Net-Worth Financial Advisor at The Vanguard Group, Inc from June 2018 to July 2021.  Mr. Dillon was not employed from December 2017 to June 2018 and was a student from August 2014 to December 2017. 

Robert Dillon has been a CERTIFIED FINANCIAL PLANNER™ since 2020. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Kimberly B DuLaurence
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 3, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Kimberly B DuLaurence that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Kimberly B DuLaurence is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Kimberly B DuLaurence was born in 1970, received a Bachelor’s of Music Vocal Performance in 1995 from the New England Conservatory of Music, a Master’s of Music Vocal Performance in 1998, as well as a Bachelor’s of Art Psychology and Economics from the University of Massachusetts in 2016 . Ms. DuLaurence is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started November 2020. Ms. DuLaurence was a Wealth Management Advisor at TIAA-CREF from May 2018 to November 2020, a Financial Advisor for Citizens Financial Group from April 2009 to May 2018 and a Financial Advisor at Bank of America from January 2006 to April 2009.

Kimberly DuLaurence has been a CERTIFIED FINANCIAL PLANNER™ since 2012. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Jamie Dunn
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: September 24, 2020
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Jamie Dunn that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Jamie Dunn is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jamie Alan Dunn was born in 1991 and graduated with a Bachelor of Science in Financial Mathematics and Statistics from the University of California Santa Barbara in 2014. Mr. Dunn is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started April 2020. From September 2014 to March 2020, Mr. Dunn was a Financial Advisor at The Vanguard Group and from November 2013 to September 2014, he was an Administrative Assistant at Cetera Advisors.

Mr. Dunn has been a CERTIFIED FINANCIAL PLANNER™ since 2017. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-276-6235.

Item 1: Cover Page

Nicholas Eggert
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: November 7, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Nicholas Eggert that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Nicholas Eggert is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Nicholas Eggert was born in 1993.  Mr. Eggert graduated from the University of Wisconsin – Madison with his BS in Economics with a Math Emphasis and a Sustainability Certificate.  Mr. Eggert is a Registered Investment Advisor Representative and a Senior Client Success Manager at Facet Wealth and began his career with Facet in April 2022.  Mr. Eggert was previously a Client Associate at Robert W. Baird & Co from 11/2018 – 03/2022; and a Representative at Northwestern Mutual Investment Services from 2/2017 – 11/2018.

Mr. Eggert has been a CERTIFIED FINANCIAL PLANNER™ since 2022. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None 

Item 4: Other Business Activities

Nicholas is the assistant coach for the Vel Phillips Memorial High School varsity soccer team. 

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Richard Eicheldinger
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: December 10, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Richard Eicheldinger that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Richard Eicheldinger is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Richard Robert Eicheldinger was born in 1984. Mr. Eicheldinger graduated from Kent State University in 2011 with Master’s in Education Educational Leadership & Administration. He also graduated from Hobart College in 2006 with a Bachelor’s History. Mr. Eicheldinger is an Investment Adviser Representative at Facet Wealth Inc. and started November 2020. Mr. Eicheldinger was a Director of Financial Planning at Affinity Wealth LLC from May 2019 – November 2020, he was a Wealth Advisor at True Wealth Design from May 2018 – May 2019, he was a Relationship Manager at M&T Bank from February 2018 – April 2018, he was Laid off/Job Hunting from October 2017 – February 2018, he was an Investment Advisor at Hunter Associates from September 2015 – October 2017, he was a Team Financial Advisor at Bank of America – Merrill Lynch from July 2013 – August 2015, he was an Operations Manager at Harris Battery from June 2016 – July 2013. Mr. Eicheldinger was a Teacher/Coach at Western Reserve Academy from June 2006 – May 2011.

Mr. Eicheldinger has been a CERTIFIED FINANCIAL PLANNER™ since 2016. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Patrick Elliott
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: September 24, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Patrick Elliott that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Patrick Elliott is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Patrick Neil Elliott was born in 1975 and graduated from Charter Oak State College in 2007, with a Bachelor’s Degree in Business. Mr. Elliott is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started July 2020. From October 2019 to present, Mr. Elliott has been the owner of PKE Inc DBA Satellite Solutions. From March 2013 to August 2019, he was a Wealth Manager at Creative Planning and from August 2007 to March 2013, he was a Wealth Manager at USAA.

Mr. Elliott has been a CERTIFIED FINANCIAL PLANNER™ since 2009. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Patrick is the owner of a satellite installation company.

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Richard Elliott
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: September 24, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Richard Elliott that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Richard Elliott is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Richard Lawrence Elliott was born in 1969 and graduated from the University of Massachusetts at Amherst in 1991 with a Bachelor’s Degree in Business/Finance and completed his MBA at Boston College in 2002.  Mr. Elliott is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started January 2020. Richard was the SVP and Financial Advisor of Citizens Investment Securities from July 2019 to January 2020, from April 2018 to July 2019,  he was a Private Wealth Advisor with Citizens Bank,  and from May 2017 to March 2018,  he was a Client Advisor with Mercer Advisors. Additionally, from January 2017 to April 2017, Mr. Elliott was a Senior Tax Associate at Price Waterhouse Coopers, from November 2016 to December 2016 and from November 2015 to June 2016, he was unemployed, and  from February 2007 to November 2015,  he was a Wealth Management Advisor at TIAA-CREF.

Mr. Elliott has been a CERTIFIED FINANCIAL PLANNER™ since 1996. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Aprill Ergas
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: July 27, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Aprill Ergas that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about April Ergas is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Aprill Ergas was born in 1971. Ms. Ergas graduated from Michigan State University in 2001 with an MBA in Integrative Management and holds a Bachelor of Science in International Affairs from the Georgia Institute of Technology.  Ms. Ergas is a registered Investment Adviser Representative and Director of Planning at Facet Wealth Inc. and started July 2021. Ms. Ergas was a Registered Representative with The Vanguard Group from Feb. 2016 to July 2021, a Relationship Officer at Community Trust & Investment Co. from March 2012 to December 2015, and a Registered Representative & Investment Advisor Representative at CSSC Brokerage/Investment Advisory Services from June 2010 to December 2011.

Ms. Ergas has been a CERTIFIED FINANCIAL PLANNER™ since 2005. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Aprill Ergas is not engaged in any investment-related business or occupation (other than this advisory firm).   

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Allyson Eslinger
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Allyson Eslinger that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Allyson Eslinger is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Allyson Eslinger was born in 1997.  Ms. Eslinger graduated from University of Wisconsin – Madison with a  Bachelor of Science in Personal Finance.  Ms. Eslinger is a Registered Investment Advisor Representative and an Associate Planner at Facet Wealth and began her career with Facet in April 2021. Ms. Eslinger was previously a Registered Person at The Vanguard Group, Inc. from August 2020 – April 2021; a Wealth Management Intern at Bankers’ Bank from January 2019 – July 2020; a Financial Life Skills Lead Peer Educator and a Student at University of Wisconsin – Madison from August 2017 – May 2020. 

Ms. Eslinger has been a CERTIFIED FINANCIAL PLANNER™ since 2022. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Astute Evans
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 15, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Astute Evans that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Astute Evans is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Astute Evans was born in 1991 and graduated from Wingate University in 2014 with a Bachelor’s of Arts degree in Finance. Mr. Evans is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started August 2020. Previously, he was a Financial Advisor at Vanguard from August 2015 – August 2020 and a Financial Advisor at First Investors from June 2014 – July 2015.

Mr. Evans has been a CERTIFIED FINANCIAL PLANNER™ since 2018. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP®certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Julian Fairchild
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: March 30, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Julian Fairchild that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Julian Fairchild is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Julian Fairchild was born in 1984. Mr. Fairchild graduated from The University of Maryland in 2008 with a Bachelor of Arts degree in Psychology. Mr. Fairchild is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started March 2021. Mr. Fairchild was Director of Investment Operations at Whitacre Wealth Management from June 2016 to March 2021, a Financial Advisor at Northwestern Mutual from November 2015 to November 2019, a salesman at Merritt Athletic Club from February 2014 to November 2015 and a Federal Police Officer at US Capitol Police from March 2011 to January 2014.

Mr. Fairchild has been a CERTIFIED FINANCIAL PLANNER™ since 2019. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Matthew John Farrell
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: May 11, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about  Matthew John Farrell that supplements the Facet Wealth, Inc.  Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Matthew John Farrell is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Matthew John Farrell was born in 1981. Mr. Farrell graduated from Bentley College in 2003 with a Bachelor of Science degree in Marketing. Mr. Farrell is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started May 2021. Mr. Farrell was a Wealth Management Advisor at TIAA-CREF from June 2014 to November 2020 and a Financial Advisor at HSBC Securities from March 2006 to May 2014.

Mr. Farrell has been a CERTIFIED FINANCIAL PLANNER™ since 2013. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.  Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Patrick Finneran
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: May 11, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about  Patrick Finneran that supplements the Facet Wealth, Inc.  Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Patrick Finneran is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Patrick Finneran was born in 1988. Mr. Finneran graduated from Miami University in 2011 with a Bachelor of Science degree in Economics. Mr. Finneran is an Investment Adviser Representative and Senior Financial Planner at Facet Wealth Inc. and started November 2021. Mr. Finneran was a Financial Advisor at Hamilton Capital, LLC from May 2015 to October 2021, a Wealth Advisor at Tricord Wealth from December 2011 to May 2015, a Consultant at The Stewardship Foundation from January 2012 to May 2015, and a Financial Representative at Northwestern Mutual from May 2011 to December 2011.

Mr. Finneran has been a CERTIFIED FINANCIAL PLANNER™ since 2016. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.  Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Justin Flores
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: May 11, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Justin Flores that supplements the Facet Wealth, Inc.  Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Justin Flores is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Justin Flores was born in 1985. Mr. Flores graduated from the University of Colorado in 2014 with a Bachelor of Science degree in Finance.  Mr. Flores is an Investment Adviser Representative and Sr. Financial Planner at Facet Wealth Inc. and started August 2021. Mr. Flores was a Private Client Advisor at Charles Schwab from January 2016 to August 2021 and a CRM Resolution Lead at Progressive from October 2005 to December 2015.

Mr. Flores has been a CERTIFIED FINANCIAL PLANNER™ since 2019. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.  Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Ryan Furlong
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Ryan Furlong that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Ryan Furlong is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Ryan Furlong was born in 1990.  Mr. Furlong graduated from University of Missouri with a BS in Financial Planning and a minor in Business Administration. Mr. Furlong is a Registered Investment Advisor Representative and Senior Financial Planner at Facet Wealth and began his career with Facet in October of 2022. Mr. Furlong was a Senior Financial Planner with Brooklyn FI, LLC from January 2022 – September 2022; an Investment Advisor Representative with Facet Wealth from April 2021 – January 2022; an Investment Advisor Representative with RFG Advisory (DBA The Worley Banks Group), from March 2020 – March 2021; and a Portfolio Manager with Buckingham Asset Management from January 2017 – March 2020.

Mr. Furlong has been a CERTIFIED FINANCIAL PLANNER™ since 2018. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Sarah Gallagher
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: May 25, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Sarah Gallagher that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Sarah Gallagher is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Sarah Gallagher was born in 1973. Ms. Gallagher graduated from Liberty University in 2019 with a Master of Arts in Teaching. Ms. Gallagher also received her Bachelor of Arts degree from the University of Florida in 1995 and an Executive Certificate in Financial Planning from Duke University office of Continuing Education in 2006.  Ms. Gallagher is a Registered Investment Advisor Representative and Planner at Facet Wealth and began her career with Facet in October 2021.  From October 2021 to May 2022 Ms. Gallagher was an Associate Planner with Facet, she was promoted to a Lead Planner in May 2022.  Ms. Gallagher was a teacher at Fulton County Schools in GA from February 2016 to September 2021 and a stay-at-home parent from December 2013 to December 2015.  Ms. Gallagher was a Senior Wealth Strategist at UBS Financial Services from June 2012 to December 2013, a Financial Advisor/Vice President at Morgan Stanley from May 2008 to June 2012, and a Financial Advisor at Citigroup Global Markets from February 2003 to May 2008.   

Ms. Gallagher has been a CERTIFIED FINANCIAL PLANNER™ since 2006. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Jordan Gilberti
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: April 22, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Jordan Gilberti that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Jordan Gilberti is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jordan Robert Gilberti was born in 1995. Mr. Gilberti graduated from Rutgers University in 2018 with a Bachelor of Science degree in Finance. Mr. Gilberti is a Registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started April 2021. Mr. Gilberti was a Financial Advisor at Family Focus Financial Group from May 2019 to March 2021 and a  Financial Advisor at Guardian from May 2018 to May 2019.  Mr. Gilberti was a student from September 2014 to May 2018.

Mr. Gilberti has been a CERTIFIED FINANCIAL PLANNER™ since 2021. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

David Gonzalez
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: September 25, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about David Gonzalez that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about David Gonzalez is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

David Gonzalez was born in 1968 and graduated from SUNY New Paltz in 1991, with a Bachelor’s degree in Biology. Mr. Gonzalez is an Investment Adviser Representative and Lead Planner of Facet Wealth and started August 2019. From July 1999 to June 2019, he was a Lead Planner at T. Rowe Price.

Mr. Gonzalez has been a CERTIFIED FINANCIAL PLANNER™ since 2003. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Tom Graff
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Tom Graff that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Tom Graff is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Tom Graff was born in 1977.  Mr. Graff graduated from Loyola University in Maryland with a degree in Economics in 1999.  Mr. Graff is a Registered Investment Advisor Representative and the Head Of Investment Strategy at Facet Wealth and began his career with Facet in 2022.  Mr. Graff was previously a Partner, Fixed Income Trader, and Fixed Income Portfolio Manager at Brown Investment Advisory & Trust Company from June 2010 – April 2022.

Mr. Graff has been a CERTIFIED FINANCIAL ANALYST™ since 2002. CFA (Chartered Financial Analyst) The Chartered Financial Analyst (CFA) Program is a graduate level self-study program offered by the CFA Institute (formerly AIMR) to investment and financial professionals. A candidate who successfully completes the program and meets other professional requirements is awarded a “CFA charter” and becomes a “CFA charter holder.” To become a charter holder a candidate must satisfy the following requirements:

• Complete the CFA Program (mastery of the current CFA curriculum and passing a series of three six hour examinations.
• Possess a bachelor’s degree in (or equivalent) from an accredited institution.
• Have four years (48 months) of qualified work experience (or a combination of education and work experience acceptable by the CFA institute).
• Become a member of the CFA Institute and apply for membership to a local CFA member society.
• Adhere to the CFA Institute Code of Ethics and Standards of Professional Conduct.

Item 3: Disciplinary Information

None 

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Kathleen Marie Griffin
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: April 13, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Kathleen Marie Griffin that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Kathleen Marie Griffin is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Kathleen Marie Griffin was born in 1966. Ms. Griffin graduated from the College of the Holy Cross in 1988 with a Bachelor of Arts degree in Political Science.  As of April 2021, Ms. Griffin is a registered Investment Adviser Representative and Planner at Facet Wealth Inc,.  Ms. Griffin was a Financial Planner at Merrill Lynch from November 2018 to April 2021, she was not employed from April 2017 to November 2018 and was a Registered Client Associate at Merrill Lynch from March 2015 to April 2017.

 Ms. Griffin has been a CERTIFIED FINANCIAL PLANNER™ since 2017. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP®certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Tim Gump
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: February 05, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Tim Gump that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Tim Gump is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Robert Timothy Gump was born in 1966. Mr. Gump earned his Masters of Public Administration from the University of Kansas in 1990. Mr. Gump graduated from Indiana University in 1988, with a Bachelor of Arts in Journalism & Political Science. Mr. Gump has been an Investment Adviser Representative of Facet Wealth, Inc. since February 2020. From November 2019 to February 2020, Mr. Gump was a Financial Advisor with Waddell & Reed. From July 2016 to September 2019, Mr. Gump was a Financial Advisor with USAA Financial Services. From September 2015 to July 2016, Mr. Gump was a Customer Service Representative with Frost Brokerage Services.

Mr. Gump has been a CERTIFIED FINANCIAL PLANNER™ since 2004. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP®certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Timothy A Ryan Hanson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 16, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Timothy A Ryan Hanson that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Timothy A Ryan Hanson is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Timothy A Ryan Hanson was born in 1989 and graduated from Northern Arizona University in 2010 with a Bachelor’s of Arts degree in International Affairs and Political Science. Mr. Hanson is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started October 2020. Mr. Hanson was a Registered Representative from January 2011 to September 2020.

Mr. Hanson has been a CERTIFIED FINANCIAL PLANNER™ since 2018. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Timothy Hanson is a Board Treasurer for Motor City Pride. Motor City Pride is a 501(c)(3) association formed to host the annual Festival and Parade. His responsibilities include the oversight of the festival financials, transactions, and accounts.

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Laura Haupt
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 15, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Laura Haupt that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Laura Haupt is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Laura Haupt was born in 1990. Ms. Haupt graduated from the University of Minnesota, Duluth in 2013 with a Bachelor of Business Administration.  Ms. Haupt is an Investment Adviser Representative and Planner at Facet Wealth Inc. and started September 2021. Ms. Haupt was a Senior Financial Planner at CliftonLarsonAllen Wealth Advisors LLC from October 2014 to September 2020 and an Associate Advisor at Bates Securities, Inc. from June 2013 to October 2014.

Ms. Haupt has been a CERTIFIED FINANCIAL PLANNER™ since 2016. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Samantha Hicks
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 11, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Samantha Hicks that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Samantha Hicks is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Samantha Hicks was born in 1991.  Ms. Hicks graduated from the University of Rhode Island & Point Loma Nazarene University with her Bachelor in Animal Science, Masters of Science in Biology, and a MBA.  Ms. Hicks is a Registered Investment Advisor Representative and an Associate Planner at Facet Wealth. She began her career with Facet in 2022. Ms. Hicks was previously a Director/Advisor at Beime Wealth Consulting Services from October 2020-May 2022; a Plan Support Specialist at Pure Financial Advisors from February 2019 – August 2020; an Advisor at Independent Capital Management, Inc from June 2018 – January 2019; and the Director of Development at Cornerstone Therapeutic Riding Center from November 2017 – April 2018. 

Ms. Hicks has been a CERTIFIED FINANCIAL PLANNER™ since 2020. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None 

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Tyler Horn
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: October 17, 2019
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Tyler Horn that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Tyler Horn is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

James Tyler Horn was born in 1989. Mr. Horn graduated with a Bachelor’s in Business Administration Management from the University of Miami in 2010. Mr. Horn is a registered Investment Adviser Representative and Planner of Facet Wealth, Inc. and started in October 2019. From April 2015 to October 2019, Mr. Horn was a financial advisor at Merrill Lynch. From November 2014 to April 2015, he was a registered associate at FSC Securities. From January 2012 to November 2014, he was an offensive lineman for the National Football League.

Mr. Horn has been a CERTIFIED FINANCIAL PLANNER™ since 2018. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

James Tyler Horn is a manager at JT Aqorn LLC, a children’s book publishing company. He writes and publishes books under the protection of the LLC.

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Caitlin Marie Howerton
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 15, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Caitlin Marie Howerton that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Caitlin Marie Howerton is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Caitlin Marie Howerton was born in 1990, graduated from the University of New Orleans with a Master of Business Administration (MBA) in 2014 and from Arkansas Tech University with a Bachelor’s of Science degree in Business Administration, Management and Marketing in 2012. Ms. Howerton is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started August 2020. Previously she was a Senior Financial Coach at SmartPath from February 2018– August 2020, she was unemployed from October 2017 – February 2018, a Sales Manager at Hilton Hotels from January 2016 – October 2017, a Sales Manager at Atlanta Marriott Buckhead Hotel & Conference Center from October 2014 – January 2016 and a Hotel Sales Associate at Omni Hotels from July 2013 – September 2014.

Ms. Howerton has been a CERTIFIED FINANCIAL PLANNER™ since 2020. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at (443) 376-6235.

Item 1: Cover Page

Jeffrey Jablonski
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: July 14, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Jeffrey Jablonski that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Jeffrey Jablonski is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jeffery Scott Jablonski was born in 1964. Mr. Jablonski graduated from Arizona State University in 1991, with a Bachelor of Science in Business. Mr. Jablonski has been an investment adviser representative of Facet Wealth, Inc. since July 2020. From July 2019 to July 2020, Mr. Jablonski was a Financial Assistant at Brightside Benefits. From August 2018 to June 2019, he was a Sr. Activation Specialist at Northwestern Mutual. From August 2013 to July 2018, he was a Financial Planner at Learnvest Planning. From May 2007 to July 2013, he held various positions at USAA.

Mr. Jablonski has been a CERTIFIED FINANCIAL PLANNER™ since 2006. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Jeffery Scott Jablonski is a rental property owner.

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Christopher Jackson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: December 10, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Christopher Jackson that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Christopher Jackson is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Christopher Jackson was born in 1987. Mr. Jackson graduated from University of Rhode Island in 2012 with a Bachelor’s of Communication Studies. Mr. Jackson is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started November 2020. Mr. Jackson was a Premier Advisor at Citizens Bank from May 2019 – August 2020, he was a Financial Advisor at Merrill Lynch from May 2018 – April 2019, he was an Investment Specialist at Merrill Edge from March 2015 – May 2018. Mr. Jackson was a Bartender at Fat Belly’s Pub from August 2009 – June 2015.

Mr. Jackson has been a CERTIFIED FINANCIAL PLANNER™ since 2020. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Christopher Jackson helps his wife with her small business, a marquee letter rental company.

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Bryan Jimmerson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Bryan Jimmerson that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Bryan Jimmerson is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Bryan Jimmerson was born in 1971.  Mr. Jimmerson graduated from Buena Vista University with his Bachelor of Arts.  Mr. Jimmerson is a Registered Investment Advisor Representative and an Associate Planner at Facet Wealth and began his career with Facet in 2021.  Mr. Jimmerson was previously an Investment Advisor Representative at True Wealth Nation from November 2018 – April 2021; and the Business Manager at Dobson Pipe Organ Builders from March 2016 – November 2018.

Mr. Jimmerson has been a CERTIFIED FINANCIAL PLANNER™ since 2021. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None 

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Gary Johnston
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: April 7, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Gary Johnston that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Gary Johnston is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Gary Johnston was born in 1991. Mr. Johnston graduated from Virginia Tech University in 2014 with a Bachelor of Science degree in Business.  Mr. Johnston is a Registered Investment Advisor Representative and Planner at Facet Wealth and began his career with Facet in April 2019.  From April 2019 to April 2021 Mr. Johnston was a Client Success Manager with Facet and from April 2021 to April 2022 he was an Associate Planner and Financial Planning Researcher with Facet.  Mr. Johnston was an Internal Account Executive with SEI from November 2016 to April 2019, a Lead Generation Specialist with SEI from to June 2015 to November 2016 and an Investor and Dealer Services Representative with SEI from August 2014 to June 2015.   

Mr. Johnston has been a CERTIFIED FINANCIAL PLANNER™ since 2020. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None.

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Edward Jurgielewicz
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: April 7, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Edward Jurgielewicz that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Edward Jurgielewicz is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Edward (Eddy) Jurgielewicz was born in 1990.  Mr. Jurgielewicz graduated from The University of South Carolina in 2012 with a Bachelor of Arts degree in Psychology.  Mr. Jurgielewicz is a Registered Investment Advisor Representative and Planner at Facet Wealth and began his career with Facet in May 2021.  Prior to assuming the role of Lead Planner with Facet in April of 2022, Eddy was a Senior Client Service Manager.  Mr. Jurgielewicz held various roles with New York Life from June 2016 to April 2021, including agent, registered representative and investment advisor representative.  Mr. Jurgielewicz was a teacher at Landry-Walker High School from June 2015 to May 2016 and a teaching assistant for the Government of Spain from September 2014 to May 2015.

Mr. Jurgielewicz has been a CERTIFIED FINANCIAL PLANNER™ since 2021. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Christopher Kadowaki
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Christopher Kadowaki that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Christopher Kadowaki is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Christopher Kadowaki was born in 1989.  Mr. Kadowaki graduated from Central Michigan University with his: Bachelor of Science in Business Administration (Finance and Economics). Mr. Kadowaki is a Registered Investment Advisor Representative and an Associate Planner at Facet Wealth and began his career with Facet in May 2022. Mr. Kadowaki was previously a Junior Investment Adviser and Tax Associate at Narrow Path Financial/Dority and Associates, LLC from March 2021 – May 2022; an Investment Adviser Representative and Associate Financial Advisor at Dougherty & Associates, LLC from November 2018 – February 2021; and a Financial Advisor at Measured Wealth Private Client Group, LLC from August 2016 – January 2017.

Mr. Kadowaki has been a CERTIFIED FINANCIAL PLANNER™ since 2021. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Mr. Kadowaki has been an Enrolled Agent (EA) since 2021. An Enrolled Agent is a federally‐authorized tax practitioner who has technical expertise in the field of taxation and who is empowered by the U.S. Department of the Treasury to represent taxpayers before all administrative levels of the Internal Revenue Service for audits, collections, and appeals. “Enrolled” means to be licensed to practice by the federal government, and “Agent” means authorized to appear in the place of the taxpayer at the IRS. Only Enrolled Agents, attorneys, and CPAs may represent any taxpayer before the IRS. The Enrolled Agent profession dates back to 1884 when, after questionable claims had been presented for Civil War losses, Congress acted to regulate persons who represented citizens in their dealings with the U.S. Treasury Department. The license is earned in one of two ways: by passing a comprehensive examination which covers all aspects of the tax code, or having worked at the IRS for five years in a position which regularly interpreted and applied the tax code and its regulations. All candidates are subjected to a rigorous background check conducted by the IRS. 

In addition to the stringent testing and application process, the IRS requires Enrolled Agents to complete 72 hours of continuing professional education, reported every three years, to maintain their Enrolled Agent status. Because of the knowledge necessary to become an Enrolled Agent and the requirements to maintain the license, there are only about 46,000 practicing Enrolled Agents. Unlike attorneys and CPAs, who may or may not choose to specialize in taxes, all Enrolled Agents specialize in taxation. Enrolled Agents receive their right to practice from the U.S. government (CPAs and attorneys are licensed by the states). Enrolled Agents are required to abide by the provisions of the Department of Treasury’s Circular 230, which provides the regulations governing the practice of Enrolled Agents before the IRS. 

Mr. Kadowaki has been a Chartered Financial Consultant (ChFC®) since 2021. This designation is issued by The American College and is granted to individuals who have at least three years of full-time business experience within the five years preceding the awarding of the designation. The candidate is required to take seven mandatory courses which include the following disciplines: financial, insurance, retirement and estate planning; income taxation, investments and application of financial planning; as well as two elective courses involving the application of the aforementioned disciplines. Each course has a final proctored exam and once issued, the individual is required to submit 30 hours of continuing education every two years.

Mr. Kadowaki earned his CERTIFIED Student Loan Professional™, CSLP® designation on October 16, 2022. The Certified Student Loan Professional™, CSLP® is a professional certification mark granted in the United States by Certified Student Loan Advisors Board of Standards, Inc. (‘‘CSLA BOS’’). The CSLP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CSLP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CSLP® mark, an individual must satisfactorily fulfill the following requirements:

Education – Obtain a college-level certificate of study in Student Loan Planning that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university)

or

have 2 years of industry experience as a licensed financial representative, state licensed insurance agent, how a CPA license or be an Enrolled agent

and

Ethics — Agree to be bound by the CSLA Board’s Standards of code of ethics and professional conduct.              

CSLP® professionals who fail to comply with the above standards and requirements may be subject to CSLA Board’s enforcement process, which could result in suspension or permanent revocation of their CSLP® certification.

Item 3: Disciplinary Information

None 

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Thomas Kirby
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 09, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Thomas Kirby that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Thomas Kirby is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Thomas Kirby was born in 1971 and graduated from Metropolitan State University in 1997 with a Bachelor’s of Arts Degree in Finance. Mr. Kirby is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started September 2020. Mr. Kirby was a Wealth Manager at USAA from October 2014 – September 2020, a Registered Representative at Cetera Investment Advisers from February 2014 – October 2014, an Investment Representative at Washington Trust from December 2013 – October 2014. Mr. Kirby was a Wealth Management Advisor at TIAA from January 2004 – September 2013.

Mr. Kirby has been a CERTIFIED FINANCIAL PLANNER™ since 2004. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Michael Allen Kirkendale-Haak
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 9, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Michael Allen Kirkendale-Haak that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Michael Allen Kirkendale-Haak is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2 Education Background and Business Experience

Michael Allen Kirkendale-Haak was born in 1989 and graduated from Clemson University in 2014 with a Bachelor’s of Science degree in Financial Management. Mr. Kirkendale-Haak is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started September 2020. Previously, Mr. Kirkendale-Haak was a Registered Representative at The Vanguard Group from July 2016 – September 2020. Mr. Kirkendale-Haak was a Driver for Uber from January 2016 – March 2017 and he was a Financial Advisor at Edward Jones Investments from February 2015 -January 2016.

Mr. Kirkendale-Haak has been a CERTIFIED FINANCIAL PLANNER™ since 2019. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must currently satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 6 hours, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3 Disciplinary Information

None

Item 4 Other Business Activities

Mr. Kirkendale-Haak is a driver for Uber.

Item 5 Additional Compensation

None

Item 6 Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Harold (Harry) J. Kirkpatrick
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 15, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Harold J. Kirkpatrick that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Harold J. Kirkpatrick is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2 Education Background and Business Experience

Harold (Harry) J. Kirkpatrick was born in 1992 and graduated from Bentley University in 2013, with a Bachelor of Science degree in Finance and Accounting and in 2014 with a Master degree in Accountancy and Financial Planning. Mr. Kirkpatrick is the Head of Growth and has been a Financial Planner at Facet Wealth, Inc. since May 2017. Previously, he was an Operations Assistant at Facet Wealth from February 2017 – May 2017, he was a Registered Representative at M Holdings Securities, Inc. and a Senior case Designer at Pinnacle Financial Group from April 2015 – February 2017. Mr. Kirkpatrick was also a Registered Representative and Financial Professional from September 2014 – April 2015, at Pruco Securities, LLC and a at The Prudential Insurance Company of America.

Mr. Kirkpatrick has been a CERTIFIED FINANCIAL PLANNER™ since 2016. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must currently satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 6 hours, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3 Disciplinary Information

None

Item 4 Other Business Activities

None

Item 5 Additional Compensation

None

Item 6 Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Autumn Knutson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 24, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Autumn Knutson that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc. ’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Autumn Knutson is also available on the SEC’s website at www.adviserinfo.sec.gov

Item 2 Education Background and Business Experience

Autumn Knutson was born in 1990 and graduated from Whitman College in 2012 with a Bachelor’s Degree in Psychology. Ms. Knutson is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started July 2020. From September 2017 to July 2020, Ms. Knutson was a Financial Planner at the Planning Center, from June 2016 to August 2017, she was a Resident at Upperline Financial Planning and from June 2014 to June 2016, she was an Alumni Support Councilor at KIPP.

Ms. Knutson has been a CERTIFIED FINANCIAL PLANNER™ since 2018. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must currently satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 6 hours, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3 Disciplinary Information

None

Item 4 Other Business Activities

None

Item 5 Additional Compensation

None

Item 6 Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Anthony LaBrake
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: March 25, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Anthony LaBrake that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Anthony LaBrake is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Anthony Joseph LaBrake was born in 1992. Mr. LaBrake graduated from The University of Miami in 2014 with a Bachelor of Arts degree in Economics. Mr. LaBrake is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started March 2021. Mr. LaBrake was an Investment Adviser Representative at Tobias Financial Advisors from August 2020 to March 2021, a Financial Planner at Mercer Global Advisors from February 2020 to August 2020, an Associate Client Advisor at Adam Financial Associates from February 2018 to February 2020, a registered Staff Member at Cary Stamp & Company from June 2015 to February 2018, an Analyst at BNP Paribas from April 2015 to June 2015, a Registered Representative at AXA Advisors from February 2015 to April 2015, and an Analyst at Bloomberg LP from May 2014 to December 2014. Mr. LaBrake was a student at University of Miami from August 2010 to May 2014.

Mr. LaBrake has been a CERTIFIED FINANCIAL PLANNER™ since 2017. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Sabrina Lee
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: September 18, 2019
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Sabrina Lee that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Sabrina Lee is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Sabrina Lee was born in 1981.  Ms. Lee graduated from the University of California, Davis in 2003 with a Bachelor of Science in Psychology.  Ms. Lee has been a Registered Investment Advisor Representative and Planner at Facet Wealth, Inc. since September 2019.  From June 2017 to September 2019, Ms. Lee was a Senior Financial Planner at Grove.  From March 2013 to May 2017 she was an Advisor at Private Ocean and from March 2009 to March 2013 she was a Paraplanner at Cathy Mu, CPA.

Ms. Lee has been a CERTIFIED FINANCIAL PLANNER™ since 2012. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Sabrina Lee sits on the board at Pure Beautiful Healing.

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Muata Rikondja Mahluli
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 15, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Muata Rikondja Mahluli that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Muata Rikondja Mahluli is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Muata Rikondja Mahluli was born in 1969 and graduated from the University of Detroit Mercy in 1992 with a Bachelor’s degree in Criminal Justice. Mr. Mahluli is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started August 2020. Previously, he was a Financial Consultant at Charles Schwab from November 2016 – July 2020, a Wealth Management Advisor at TIAA-CREF from October 2014 – October 2016 and was a Financial Advisor at Morgan Stanley from March 2009 – September 2014.

Mr. Mahluli has been a CERTIFIED FINANCIAL PLANNER™ since 2013. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Harrison William Maizels
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: May 12, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Harrison William Maizels that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Harrison Maizels is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Harrison Maizels was born in 1991 and graduated from Chapman University in 2013 with a Bachelor of Science in Business Administration.  Mr. Maizels is a registered Investment Adviser Representative and  Planner at Facet Wealth, Inc. and started May 2021.  He was an Associate at High Tower Securities, LLC  from Sept 2016 to May 2021, and an Associate at ICG Advisors, LLC from March 2014 to August 2016.  Mr. Maizels was not employed from May 2013 to February 2014.  He was a student from September 2009 to May 2013.

Mr. Maizels has been a CERTIFIED FINANCIAL PLANNER™ since 2017. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Bryant Robert Malloy
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 15, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Bryant Robert Malloy that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Bryant Malloy is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Bryant Robert Malloy was born in 1985. Mr. Malloy graduated from the University of Colorado in 2008 with a Bachelor of Science degree in Economics.  Mr. Malloy is an Investment Adviser Representative and Planner at Facet Wealth Inc. and started September 2021. Mr. Malloy was a Financial Advisor at Elevations Credit Union from November 2014 to August 2021; he was unemployed from June 2013 to November 2014 and was a Financial Specialist at Community Financial Credit Union from September 2010 to June 2013.

Mr. Malloy  has been a CERTIFIED FINANCIAL PLANNER™ since 2021. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Eric Karl Reinhold Masch
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 15, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Eric Karl Reinhold Masch that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Eric Karl Reinhold Masch is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Eric Karl Reinhold Masch was born in 1990 and graduated from Santa Clara University in 2011 with a Bachelor’s of Science degree in Finance. Mr. Masch is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started August 2020. Previously, Mr. Mash was self-employed from June 2020 – August 2020, an Associate at Offit Capital Advisors, LLC from March 2020 – June 2020, and a Wealth Architect at Wealth Architects, LLC from July 2012 – January 2020.

Mr. Masch has been a CERTIFIED FINANCIAL PLANNER™ since 2016. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Matthew McCoy
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 5, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Matthew McCoy that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Matthew McCoy is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Matthew Daniel McCoy was born in 1989 and graduated from Appalachian State University in 2012 with a Bachelor of Science degree in Business Administration/Marketing. Mr. McCoy is an Investment Adviser Representative and Planner at Facet Wealth Inc. and started in October 2021. Mr. McCoy was a Wealth Advisor at Palmetto Investment Consultants, LLC from April 2019 to September 2021,  a Registered Representative at Vanguard from April 2017 to April 2019.  Mr. McCoy was unemployed from  January  2017 to April 2017, a Sales Agent at Red Ventures from August 2016 to December 2016, unemployed from April 2016 to August 2016, and a Customer Service Manager at McCoy Machinery from January 2013 to April 2016. Mr. McCoy was a student of Appalachian State University from August 2007 to August 2012.

Mr. McCoy has been a CERTIFIED FINANCIAL PLANNER™ since 2020. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Alex McDonald

Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: March 12, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Alex McDonald that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Alex McDonald is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Alex Garner McDonald was born in 1988. Mr. McDonald graduated from North Carolina State University in 2010 with a Bachelor of Science degree in Business Administration. Mr. McDonald is an Investment Advisor Representative and Lead Planner at Facet Wealth Inc. and started March 2021. He was a Director of Financial Planning at HighTower Advisors, LLC from April 2017 to March 2021, an Investment Advisor Representative at OmniStar Financial Group, Inc from January 2013 to April 2017, and a Registered Representative at Northwestern Mutual Services, LLC from May 2010 to January 2013.

Mr. McDonald has been a CERTIFIED FINANCIAL PLANNER™ since 2020. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Madeline McIvor
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: August 18, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Madeline McIvor that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Madeline McIvor is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Madeline McIvor was born in 1989. Ms. McIvor graduated from Virginia Tech in 2012 with a Bachelor’s degree in Applied Economics, Management and Financial Planning. Ms. McIvor is an Investment Adviser Representative and Associate Planner at Facet Wealth Inc. and started August 2020. Ms. McIvor was a Financial Advisor at Cahaba Wealth Management from October 2017 – May 2020, she was a Client Service Associate at Truewealth from January 2015 – October 2017, she was an Administrative Assistant at Bill Few Associates from January 2013 – December 2014.

Ms. McIvor has been a CERTIFIED FINANCIAL PLANNER™ since 2016. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Ms. McIvor is a Pure Barre instructor.

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Larry Roger Melton Jr. 
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: July 27, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Larry Roger Melton, Jr.  that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Larry Roger Melton Jr.  is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Larry Roger Melton Jr.  was born in 1990. Mr. Melton Jr. graduated from North Carolina State University in 2012 with a Bachelor of Science degree in Business Administration.  Mr. Melton Jr. is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started July 2021. Mr. Melton Jr. was a VP, Financial Consultant at Charles Schwab from December 2020 to July 2021, a Wealth Management Advisor at TIAA from March 2018 to November 2020, a Registered Representative at Fidelity Investments from May 2012 to March 2018, and an intern at Nationwide Insurance from May 2011 to July 2011.

Mr. Melton Jr. has been a CERTIFIED FINANCIAL PLANNER™ since 2015. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Mr. Melton Jr. is not engaged in any investment-related business or occupation (other than this advisory firm).   

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Christopher Miller
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: October 4, 2019
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Christopher Miller that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Christopher Miller is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Christopher M Miller was born in 1978. Mr. Miller graduated with a Masters of Science in Family and Consumer Science from Kansas State University in 2008. Mr. Miller graduated with a Bachelors of Business Administration from the University of Phoenix in 2003. Mr. Miller graduated with an Associates Degree in Business from Waubonsee Community College 1999. Mr. Miller has been an investment adviser representative and Planning Team Lead of Facet Wealth since October 2019. From February 2017 to October 2019, Mr. Miller was a Financial Planner Manager at Charles Schwab. From March 2014 to March 2017, he was an Associate Real Estate Broker at Keller Williams. From February 2011 to September 2014, he was a Director of Financial Planning at Cassaday & Company. From February 2010 to January 2011, he was a Financial Planner at Strategic Financial Associates. From April 2004 to May 2009, he was an Associate Financial Planner at SBSB.

Mr. Miller has been a CERTIFIED FINANCIAL PLANNER™ since 2009. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Joel Miller
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: April 23, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Joel Miller that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Joel Miller is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Joel Miller was born in 1995. Mr. Miller graduated from Liberty University in 2017 with a Bachelor of Science in Strategic Communications.  Mr. Miller is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started April 2021. Mr. Miller was a Financial Advisor at Vanguard  from August 2017 to April 2021 and a student from April 2011 to  August 2017.

Mr. Miller has been a CERTIFIED FINANCIAL PLANNER™ since 2020. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Christopher Millius
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: October 5, 2021
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Christopher Millius that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Christopher Millius is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Christopher Millius was born in 1986 and graduated from SUNY at Albany in 2010 with a Bachelor of Arts degree in Economics. Christopher received his MA in International Relations from Seton Hall University in 2017. Mr. Millius is an Investment Adviser Representative and Senior Financial Planner at Facet Wealth Inc. and started October 2021. Mr. Millius was a Financial Planner at Ernst and Young from October 2019 to June 2021, a Financial Advisor at Prudential Advisors from December 2017 to October 2019, unemployed from August 2016 to December 2017, an Administrative Assistant at Brooklyn Bridge Park Conservancy from February 2015 to August 2016, unemployed from  August 2014 to February 2015 and an Economic Consultant at US Peace Corps from June 2011 to August 2014.

Mr. Millius has been a CERTIFIED FINANCIAL PLANNER™ since 2010. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Ashley Morris
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: January 21, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Ashley Morris that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Ashley Morris is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Ashley Morris was born in 1991.  Ms. Morris graduated from Purdue University in 2014 with a Bachelor of Science in Financial Counseling and Planning.  Ms. Morris is a Registered Investment Advisor Representative and Planner at Facet Wealth and began her career with Facet in January 2022.  Ms. Morris was a Registered Representative at The Vanguard Group from November 2017 to December 2021, a Senior Associate at Keatley Wealth Management, LLC from August 2016 to October 2017, and a Client Relationship Associate at The Vanguard Group from June 2014 to July 2016.  Ms. Morris was a student from August 2010 to May 2014.

Ashley Morris  has been a CERTIFIED FINANCIAL PLANNER™ since 2016. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Board member for J.C. Morris Family Foundation.  Foundation provides educational assistance to children affiliated with the foster care system. 

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Zachary Scott Novak
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: August 3, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Zachary Scott Novak that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Zachary Scott Novak is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Zachary Scott Novak was born in 1992. Mr. Novak graduated from Southern Illinois University in 2014 with a Bachelor of Social Work.  Mr. Novak is a registered Investment Adviser Representative and Senior Financial Planner at Facet Wealth Inc. and started August 2021.  Mr. Novak was an Associate Wealth Advisor at Buckingham Strategic Wealth from September 2019 to July 2021 and a Regional Advisor Consultant at Oppenheimer Funds from January 2015 to June 2019.

Mr. Novak has been a CERTIFIED FINANCIAL PLANNER™ since 2019. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Kenneth O’Connor
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: January 23, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Kenneth O’Connor that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Kenneth O’Connor is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Kenneth O’Connor was born in 1970. Mr. O’Connor graduated from Suffolk University in 1992 with a Bachelor of Science in Accounting. Mr. O’Connor is a Registered Investment Advisor Representative and Planner at Facet Wealth and began his career with Facet in January 2022. Mr. O’Connor was an Investment Advisor at Kelly Financial Services from February 2019 to December 2021, he was unemployed from June 2018 to February 2019, a Financial Consultant at Citizens Securities Inc. from October 2017 to June 2018, unemployed from June 2017 to October 2017, and a Financial Advisor at Edward Jones from August 2016 to June 2017.  Mr. O’Connor was a director and business support manager at Bank of America Global Capital Management from Feb. 2010 to July 2016 and held various roles in mutual fund performance measurement at Columbia Management Group from June 2006 to February 2010. 

Mr. O’Connor has been a CERTIFIED FINANCIAL PLANNER™ since 2019.  The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP ® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at (443) 376-6235.

Item 1: Cover Page

Erin O’Connor-Bell
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Erin O’Connor-Bell that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Erin O’Connor-Bell is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Erin O’Connor-Bell was born in 1977. Ms. O’Connor-Bell graduated from Northeastern University with a Bachelor of Science in Psychology and University of Alabama with Master of Science with a concentration in Family Financial Planning and Counseling. Ms. O’Connor-Bell is a Registered Investment Advisor Representative and an Associate Planner at Facet Wealth and began her career with Facet in 2021. Ms. O’Connor-Bell was previously the Director Of Client Engagement at Incite Financial Planning, LLC, from May 2017 – March 2021.

Ms. O’Connor-Bell has been a CERTIFIED FINANCIAL PLANNER™ since 2019. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None 

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Paul Peterson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Paul Peterson that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Paul Peterson is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Paul Peterson was born in 1978.  Mr. Peterson graduated from State University of NY Geneseo and Suffolk University with his BA and MBA respectively. Mr. Peterson is a Registered Investment Advisor Representative and the Head of Specialized Advice & Implementation at Facet Wealth and began his career with Facet in 2022. Mr. Peterson was previously a Registered Representative at TIAA from January 2005 – June 2022.

Paul Peterson has been a CERTIFIED FINANCIAL PLANNER™ since 2022. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None 

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Howard Garrett Pickering 
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: January 21, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Howard Garrett Pickering that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Howard Garrett Pickering is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Howard Garrett Pickering was born in 1993. Mr. Pickering graduated from University of Oregon in 2015 with a Bachelor’s of Science degree in Mathematics. Mr. Pickering is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started January 2021. Mr. Pickering was an Associate, Financial Consultant at Charles Schwab from July 2015 – December 2021, he was a Dual Employee at Charles Schwab Bank from May 2017 – December 2020, he was a Student at University of Oregon from June 2011 – June 2015, he was an Intramural Sports Supervisor/Referee at University of Oregon Rec Center form September 2021 – June 2015. Mr. Pickering was a Student at Desert Vista High School.

Mr. Pickering has been a CERTIFIED FINANCIAL PLANNER™ since 2020. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States. 

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Sean Powley
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: January 23, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Sean Powley that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Sean Powley is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Sean Powley was born in 1992.  Mr. Powley graduated from Hampden-Sydney College in 2015 with a Bachelor of Arts degree in Economics and Business. Mr. Powley is a Registered Investment Advisor Representative and Planner at Facet Wealth and began his career with Facet in January 2022.  Mr. Powley was a registered representative at UBS Financial Services from August 2018 to November 2021, a registered representative at The Vanguard Group from November 2015 to August 2018, and an account executive at Total Quality Logistics from May 2015 to November 2015.

MR. Powley has been a CERTIFIED FINANCIAL PLANNER™ since 2018. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States. 

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Lee Anne Przybyla
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: January 19, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Lee Przybyla that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Lee Przybyla is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Lee Anne Przybyla was born in 1965.  Ms. Przybyla graduated from the University of Illinois, Urbana-Champaign in 1987 with a Bachelor of Science degree in Finance. Ms. Przybyla joined Facet Wealth in January 2022 as a Registered Investment Advisor and Financial Planner.  She was a Registered Investment Advisor at Broadway Wealth Solutions from September 2019 to January 2022, a Relationship Banker at Broadway Bank from November 2018 to September 2019, and a Realtor at Coldwell Banker from December 2017 to November 2018.  Ms. Przybyla was not employed from May 2017 to December 2017, she was a Wealth Manager at USAA Financial Planning from February 2010 to May 2017 and an Investment Advisor Representative at Forum Financial Management from September 2009 to February 2010.

Ms. Przybyla has been a CERTIFIED FINANCIAL PLANNER™ since 2003. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States. 

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

For more information please go to Verify a CFP® Professional.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Bijan Alejandro Ramirez
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: February 24, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Bijan Alejandro Ramirez that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Bijan Alejandro Ramirez is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Bijan Alejandro Ramirez was born in 1993. Mr. Ramirez graduated from University of Wisconsin in 2016 with a Bachelor’s of Science degree in Personal Finance. Mr. Ramirez is an Investment Adviser Representative at Facet Wealth Inc. and started February 2021. Mr. Ramirez was a Financial Advisor at Wealth Enhancement Advisory Services from January 2021 – February 2021, he was a Financial Advisor at Wealth Enhancement Group from January 2021 – February 2021, he was a Financial Consultant at SVA Wealth Management, LLC from July 2018 – December 2020, he was an Associate Financial Consultant at SVA Plumb Wealth Management, LLC from July 2018 – December 2020, and  a Project Assistant at Filbrandt & Company from February 2015 – October 2015.

Mr. Ramirez has been a CERTIFIED FINANCIAL PLANNER™ since 2018.The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States. 

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Laura Read
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 11, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Laura Read that supplements the Facet Wealth, Inc. Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Laura Read is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Laura Read was born in 1982. Ms. Read graduated from Brigham Young University with a Bachelor of Science: Sociology. Laura Read is a Registered Investment Advisor Representative and the Director of Planner Training at Facet Wealth. She began her career with Facet in 2020. Ms. Read was previously a Paraplanner at New Heights Solutions from October 2019-February 2020. 

Ms. Read has been a CERTIFIED FINANCIAL PLANNER™ since 2022. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None 

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Danielle Cole
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: September 24, 2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Danielle Cole that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Danielle Cole is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Danielle Marie Cole was born in 1976 and graduated from Robert Morris University in 1998, with a Bachelor’s Degree in Finance in 1998. Ms. Reitz is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started October 2018. From June 2017 to October 2018, Ms. Reitz was a Financial Planner at ICMA-RC and from June 2006 to June 2017, she was a Financial Planner at USAA.

Ms. Reitz has been a CERTIFIED FINANCIAL PLANNER™ since 2006. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Chelsea Barrows Rixner
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: December 7, 2018
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Chelsea Barrows Rixner that supplements the Facet Wealth Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Chelsea Barrows Rixner is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Chelsea Rixner was born in 1988. Ms. Rixner graduated from  Franklin & Marshall College with a Bachelor’s Degree in Anthropology in 2011. Ms. Rixner has been an investment adviser representative of Facet Wealth since December 2018.  From June 2017 until November 2018 she worked as a Financial Advisor at CUNA Brokerage Services, Inc.  From August 2011 until June 2017 she was a Financial Planner at AXA.

Ms. Rixner has been a CERTIFIED FINANCIAL PLANNER™ since 2015. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP®certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

AIF® – Accredited Investor Fiduciary

The AIF® designation is granted by fi360, formerly known as the Center for Fiduciary Studies. The purpose of the Accredited Investment Fiduciary (AIF®) Designation is to assure that those responsible for managing or advising on investor assets have a fundamental understanding of the principles of fiduciary duty, the standards of conduct for acting as a fiduciary, and a process for carrying out fiduciary responsibility. Those who earn the AIF® mark, successfully complete a specialized program on investment fiduciary standards of care, pass a comprehensive examination and attest to a Code of Ethics and Conduct of Standards. All AIF® designees must acquire 6 hours of Continuing Education (CE) each renewal year (at least four hours must be accumulated from fi360-produced sources). 

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

The Registrant provides investment advisory and supervisory services in accordance with the Registrant’s policies and procedures manual. The primary purpose of the Registrant’s Rule 206(4)-7 policies and procedures is to comply with the supervision requirements of Section 203(e)(6) of the Investment Advisers Act (“Act”). The Registrant’s Chief Compliance Officer, Christopher Hufman, is primarily responsible for the implementation of the Registrant’s policies and procedures and overseeing the activities of the Registrant’s supervised persons. Should an employee, independent contractor, investment adviser representative, or solicitor of the Registrant have any questions regarding the applicability/relevance of the Act, the Rules thereunder, any section thereof, or any section of the policies and procedures, he/she should address those questions with the Chief Compliance Officer. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Hufman at 443-376-6235.

Item 1: Cover Page

Jarod Robillard
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 3, 2022
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Jarod Robillard that supplements the Facet Wealth, Inc. a Brochure; you should have received a copy of that Brochure. Please contact Christopher Hufman, Chief Compliance Officer, if you did not receive Facet Wealth, Inc.’s Brochure or if you have any questions about the contents of this supplement.

Additional information about Jarod Robillard is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jarod Robillard was born in 1993. Mr. Robillard graduated from Southwest Baptist University  with a Bachelor’s in Finance and Economics. Mr. Robillard is a Registered Investment Advisor Representative and Planner at Facet Wealth and began his career with Facet in October of 2021.  Jarod was an Investment Advisor Representative at Valic Financial Advisors from March 2021 to August 2021 and a Manager at Pension Consultants, Inc.  from August 2016 – October 2020.

Mr. Robillard has been a CERTIFIED FINANCIAL PLANNER™ since November 2019. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally; registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 79,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.