ADV Part 2B

All of our financial planners are CERTIFIED FINANCIAL PLANNER Professionals and employees of Facet. The documents below are submitted to the SEC for compliance purposes and guarantee our planners will always act in your best interest.

Item 1: Cover Page

Andrew Barton
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 15, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Andrew Barton 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 Andrew Barton is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Andrew Barton was born in 1985.  Andrew Barton graduated from The Ohio State University with a Bachelor of Science in Human Ecology – Financial Planning.  Andrew Barton is a Registered Investment Advisor Representative and Head Of Sales at Facet Wealth and began his career with Facet in 2018.  Andrew Barton was previously a Regional Investment Consultant for Meeder Investment from 2017-2018. 

Andrew Barton 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

Mr. Barton currently serves on the Board of Advisors for Standash, LLC., a non-investment related 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.

JEANETTE BEATTY, CFP®

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
400 East Pratt Street, 8th 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; and graduated with a Master’s in Personal Financial Planning with a graduate certificate in Financial Therapy from Kansas State University in 2021. Ms. Beatty is an Investment Adviser Representative and a Senior 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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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

Hunter Clark
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: January 8, 2024
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Hunter Clark 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 Hunter Clark is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Hunter Clark was born in (YEAR).  Hunter Clark graduated from East Carolina University with his BSBA in Finance.  Hunter Clark is a Registered Investment Advisor Representative and a Senior Financial Planner  at Facet Wealth and began his career with Facet in January of 2024. Hunter Clark was previously a Registered Person at The Vanguard Group from 07/21 – 12/23; a Loan Analyst at CapCenter from 02/21 – 07/21; and a Sales Representative at State Farm from 09/20 – 02/21. 

Hunter Clark has been a CERTIFIED FINANCIAL PLANNER™ since 2023. 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.

Brandon Deckert
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: April 1, 2024 
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Brandon Deckert 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 Brandon Deckert is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Brandon Deckert was born in 1988.  Mr. Deckert graduated from Kutztown University of Pennsylvania with the following degrees: Bachelor of Science in Business Administration. Mr. Deckert is a Registered Investment Advisor Representative and Sr. Financial Planner at Facet. He began his career with Facet in April of 2024.  Mr. Deckert was previously an Investment Consultant at Fidelity Brokerage Services from 12/2019-03/2024 and a Financial Advisor at Vanguard from 8/2013-12/2019. 

Mr. Deckert has been a CERTIFIED FINANCIAL PLANNER™ since November 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
400 East Pratt Street, 8th 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

Matthew Dellaero 
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 6, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Matthew Dellaero 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 Dellaero is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Matthew Dellaero was born in 1994.  Matthew Dellaero graduated from the University of North Carolina at Chapel Hill with his B.A. in Economics.  Matthew Dellaero is a Registered Investment Advisor Representative and Senior Financial Planner at Facet Wealth and began his career with Facet in November 2023.  Matthew Dellaero was previously a Registered Individual at Vanguard from 08/2016 – 11/2023.

Matthew Dellaero 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

Robert Connor Dillon
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: August 5, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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.

Mr. Dillon has been a Chartered Financial Consultant (ChFC®) since 2022. 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.

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
400 East Pratt Street, 8th 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

Nicholas Eggert
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: November 7, 2022
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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 Elliott
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: September 24, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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

Allyson Eslinger
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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 a Financial 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

Matthew John Farrell
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: May 11, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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.

Robert Frey, CFP®

Item 1: Cover Page

Robert Frey 
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: January 8, 2024
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Robert Frey 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 Frey is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Robert Frey was born in 1992.  Robert Frey graduated from Ohio State University with a B.S. and Queens University of Charlotte with an MBA.  Robert Frey is a Registered Investment Advisor Representative and a Senior Financial Planner  at Facet Wealth and began his career with Facet in January of 2024. Robert Frey was previously a Registered Person at Vanguard from August of 2015 to x.

Robert Frey 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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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.

Stephen Glowacka, CFP®

Item 1: Cover Page

Stephen Glowacka
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: May 15, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Stephen Glowacka 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 Stephen Glowacka is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Stephen Glowacka was born in 1978.  Mr. Glowacka graduated from Arizona State University in 2002 with a Bachelor’s of Finance. Mr. Glowacka is a Senior Financial Planner at Facet. Previously, Mr. Glowacka was a Senior Financial Advisor at Hendershott Wealth Management from September 2022 to May 2023. Mr. Glowacka was also previously a Director Of Financial Planning at Facet from January 2021 – June 2022. Mr. Glowacka was a Senior Financial Consultant at TD Ameritrade from November 2019 – January 2021, he was a Financial Advisor at Wells Fargo Advisors from February 2019 – November 2019. 

Stephen Glowacka 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

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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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.

Chase Grundy, CFP®

Item 1: Cover Page

Chase Grundy 
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: June 20, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Chase Grundy 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 Chase Grundy is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Chase Grundy was born in 1994.  Chase Grundy graduated from (Western Kentucky University) with the following degrees:  (Finance B.S.).  Chase Grundy is a Registered Investment Advisor Representative and Senior Financial Planner at Facet Wealth and began his career with Facet in June 2023.  Chase Grundy was previously an Servicing Advisor at Beacon Capital Management from 2019-2023; a registered representative at Jackson National Life Distributors LLC from 2/2019-12/2019; and an Agent at Minnesota Life Insurance Co. from 06/2018-02/2019.

Chase Grundy has been a CERTIFIED FINANCIAL PLANNER™ since (2023). 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.

Sammie Guajardo, CFP®

Item 1: Cover Page

Sammie Guajardo
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: May 6, 2024
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Sammie Guajardo 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 Sammie Guajardo is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Sammie Guajardo was born in 1990.  Sammie Guajardo graduated from University of Texas at Austin with the following degrees: The Bachelor of Science in Communication Studies. Sammie Guajardo is a Registered Investment Advisor Representative and Senior Financial Planner at Facet Wealth and began her career with Facet in 2024.  Sammie Guajardo was previously a Registered Representative at LPL Financial, LLC from July 2020 – May 2024. 

Sammie Guajardo has been a CERTIFIED FINANCIAL PLANNER™ since 2023. 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

Timothy A Ryan Hanson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 16, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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

Joelle Hinds
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: July 24, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Joelle Hindsthat 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 Joelle Hinds is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Joelle Hinds was born in 1973. She graduated from Stevens Institute of Technology with a Bachelor of Engineering Degree. Joelle Hinds is a Registered Investment Advisor Representative and Senior Financial Planner at Facet Wealth. Joelle Hinds was previously a Registered Representative at One America from 7/2021 – 4/2023; and a Wealth Manager at Morgan Stanley from 02/2016 – 06/2021. 

Joelle Hinds has been a CERTIFIED FINANCIAL PLANNER™ since 1/2019. 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

Joelle Hinds has no investment related other business activities. 

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

Jonathan Hommes
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: July 24, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Jonathan Hommes 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 Jonathan Hommes is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jonathan Hommes was born in 1995.  Jonathan Hommes graduated from William Paterson University of New Jersey with his B.S. in Personal Financial Planning. Jonathan Hommes graduated from Kansas State University with the following degrees: M.S. in Personal Financial Planning.  Jonathan Hommes is a Registered Investment Advisor Representative and Senior Financial Planner at Facet Wealth and began his career with Facet in July of 2023.  Jonathan Hommes was previously a Registered Person at The Vanguard Group from 06/2019 – 07/19/2023; and a Financial Planning Intern at Mariner Wealth Advisors from 05/2018 – 05/2019.

Jonathan Hommes 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

Christopher Jackson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: December 10, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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

Portia Jackson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 13, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Portia 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 Portia Jackson is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Portia Jackson was born in 1982.  Portia Jackson graduated from The University of Michigan with the following degree: B.S.E. in Mechanical Engineering and The University of Southern California with the following degrees: M.S. Materials Science, PhD Materials Science.  Portia Jackson is a Registered Investment Advisor Representative and a Senior Financial Planner at Facet Wealth and began her career with Facet in November 2023.  Portia Jackson was previously a Financial Advisor at Merrill Lynch, Pierce, Fenner & Smith Inc. 

Portia Jackson 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

Gary Johnston
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: April 7, 2022
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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

Thomas Kirby
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 09, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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

Loren Krieg
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: January 9, 2024
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Loren Krieg 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 Loren Krieg is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Loren Krieg was born in 1982.  Mr. Krieg graduated from the University of South Florida with a B.A. in Business Economics and Business Management. Mr. Krieg is a Registered Investment Advisor Representative and Senior Financial Planner at Facet Wealth and began his career with Facet in January 2024.  Mr. Krieg was previously a Financial Planner/Senior Financial Planner with EY & Tapfin from 04/2020 – 01/2024; a Financial Consultant with Florida Financial Advisors, Inc. from 11/2019 – 03/2020; and a Store Manager/Assistant Store Manager/Pharmacy Technician at Walgreens from 01/2000 – 08/2019.

Mr. Krieg has been a CERTIFIED FINANCIAL PLANNER™ since 2023. 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

Sabrina Lee
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: September 18, 2019
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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.

John Lee, CFP®

Item 1: Cover Page

John Lee
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: June 20, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about John Lee 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 John Lee is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

John Lee was born in 1977.  John Lee graduated from University of San Francisco with MS in Financial Analysis.  John Lee is a Registered Investment Advisor Representative and Senior Financial Planner at Facet Wealth and began his career with Facet in June 2023.  John Lee was previously unemployed from 12/2022-06/2023; a Senior Associate at Cerity Partners from 04/2022-12/2022; an investment advisor representative at Mariner Wealth Advisors from 01/2021-03/2022; a registered representative at MESC, LLC from 01/2021-03/2022; a mortgage loan officer at Milo Financial Group from 11/2020-012021; a registered representative at MML Investors Services from 04/2020-11/2020; an Agent at Mass Mutual Life from 06/2020-11/2020; and a private client advisor at Bank of the West from 03/2018-01/2020.

John Lee 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-(VERIFY)

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.

Todd Macaulay, CFP®

Item 1: Cover Page

Todd Macaulay
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: May 15, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Todd Macaulay 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 Todd Macaulay is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Todd Macaulay was born in 1978.  Todd Macaulay graduated from Denison University  with the following degrees:  Bachelor of the Arts. Todd Macaulay is a Registered Investment Advisor Representative and Sr. Financial Planner at Facet Wealth and began his career with Facet in May of 2023. Todd Macaulay was previously a Senior Planning Analyst at Wrenne Financial Planning, and a previous Lead Planner at Facet. 

Todd Macaulay 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

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

Muata Rikondja Mahluli
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 15, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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

Zachary Marsh
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 6, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Zachary Marsh 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 Zachary Marsh is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Zachary Marsh was born in 1994.  Zachary Marsh graduated from North Carolina State University with his  B.S. Business Administration.  Zachary Marsh is a Registered Investment Advisor Representative and Senior Financial Planner at Facet Wealth and began his career with Facet in November 2023.  Zachary Marsh was previously a Registered Individual at Vanguard from 07/2016 – 11/2023.

Zachary Marsh 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

Eric Karl Reinhold Masch
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 15, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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

Joel Miller
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: April 23, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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
400 East Pratt Street, 8th 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 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.

David Monteith
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: March 25, 2024
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about David Monteith 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 Monteith is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

David Monteith was born in 1982. Mr. Monteith graduated from The University of North Carolina at Charlotte with Bachelor of Arts degrees in Psychology and Criminal Justice, and a Master of Science in Criminal Justice. Mr. Monteith is a Registered Investment Advisor Representative and a Sr. Financial Planner at Facet Wealth and began his career with Facet in 2024.  Mr. Monteith was previously a Registered Individual at Vanguard from 2007-2024. 

Mr. Monteith 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

Ashley Morris
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: January 21, 2022
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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

Abigail Nathu
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: May 10, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Abigail Nathu 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 Abigail Nathu is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Abigail Nathu was born in 1988 and graduated from the University of Georgia in 2010 with a Bachelor of Science degree in Financial Planning. Mrs. Nathu is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started September 2020. Abigail was a Financial Advisor at SmartPath Advisors LLC from March 2019 to September 2020, a Senior Financial Planner at BT Wealth Management LLC from April 2017 to December 2018, and a Senior Financial Planner at Redwood Wealth Management, LLC from July 2013 to March 2017.

Mrs. Nathu has been a CERTIFIED FINANCIAL PLANNER™ since 2014. 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

Zachary Scott Novak
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: August 3, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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

Erin O’Connor-Bell
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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

Sean Powley
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: January 23, 2022
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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

Danielle Cole
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: September 24, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th 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

Carlos Daniel Ruiz, Jr.
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 4, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Carlos Daniel Ruiz, 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 Carlos Daniel Ruiz, Jr.  is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Carlos Daniel Ruiz Jr was born in 1991. Mr. Ruiz Jr graduated from William Paterson University in 2017 with a Bachelor of Science degree in Financial Planning.  Mr. Ruiz Jr is an Investment Adviser Representative and Planner at Facet Wealth Inc. and started November 2021. Mr. Ruiz Jr was a Financial Planner at Financial Pathway Advisors, LLC from January 2020 to October 2021 and an Advisory Services Specialist at Wechter Feldman Wealth Management, Inc. from July 2017 to December 2019.  Mr. Ruiz Jr was a business tutor at William Paterson University from September 2016 to May 2017 and a student from September 2015 to September 2016.

Mr. Ruiz Jr 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

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

Lizzy Russell
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: December 21, 2022
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Lizzy Russell 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 Lizzy Russell is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Lizzy Russell was born in 1998. Ms. Russell graduated from the University of Akron with a Bachelor of Business Administration in Marketing Management. Ms. Russell is a Registered Investment Advisor Representative and Director of Planner Support at Facet Wealth and began her career with Facet in December 2020. Ms. Russell was previously a server at New Albany Links Golf Course from April 2021 – September 2021. A Doordash Food Delivery Driver from April 2019 – March 2021. Intern at Valmark Financial Group from October 2019 – December 2020. Peer Leader at the University of Akron from September 2019 – May 2020. Tax Specialist at Financial Empowerment Center from January 2020 – April 2020. Team Lead at Pandora Jewelry from September 2017 – September 2019. Marketing Intern at 365 Holdings from May 2019 – August 2019. Marketing Intern at Air Control Products from March 2018 – April 2019. Rock Wall Attendant at the University of Akron Student Recreation & Wellness Services from January 2017 – January 2018. Hostess at Applebee’s from December 2017 – February 2018. Retail Associate at Lakes Golf and Country Club from April 2016 – August 2017 and a Server at Bob Evans from December 2014 – August 2017.   

Ms. Russell has been a CERTIFIED FINANCIAL PLANNER™ since December 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

Patrick Sabol
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: August 30, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Patrick Sabol 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 Sabol is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Patrick Sabol was born in 1990. Mr. Sabol graduated from the Franciscan University of Steubenville in 2013 with a Bachelor of Science degree in Finance. Mr. Sabol is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started August 2021.  Mr. Sabol was a Financial Advisor at Traphagen Investment Advisors from June 2019 to August 2021, a Wealth Advisor Associate at Univest Corporation of Pennsylvania from May 2016 to May 2019, and an Advisor Consultant at SEI Investments from August 2014 to April 2016.   Mr. Sabol was a student prior to 2014.

Mr. Sabol 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.

Jeffrey Seitz, CFP®

Item 1: Cover Page

Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: June 20, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Jeffrey Seitz 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 Jeffrey Seitz is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jeffrey Seitz was born in 1962.  Jeffrey Seitz graduated from New York University, Stern School with an MBA. Jeffrey Seitz is a Registered Investment Advisor Representative and Senior Financial Planner at Facet Wealth and began his career with Facet in June 2023.  Jeffrey Seitz was previously a registered person at The Vanguard Group, Inc from 2021-2023; a registered representative at Purshe Kaplan Sterling Investments and an investment advisor representative at Thrivent Advisor Network d/b/a Louis C. Ciliberti & Associate from 9/2020-02/2021 ; and a registered representative at Ameriprise Financial Services (d/b/a Louis C. Ciliberti & Associates from 06/2018-09/2020.

Jeffrey Seitz has been a CERTIFIED FINANCIAL PLANNER™ since 2014. 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

Joe Shouvlin
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Joe Shouvlin 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 Joe Shouvlin is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Joe Shouvlin was born in 1982.  Mr. Shouvlin graduated from Southern Connecticut State University with his Bachelors of Science in Finance.  Mr. Shouvlin is a Registered Investment Advisor Representative and Director of Planning at Facet and began his career with Facet in Nov. 2023.  Mr. Shouvlin was previously a Registered Person at The Vanguard Group from 2016-2023.

Mr. Shouvlin has been a CERTIFIED FINANCIAL PLANNER™ since 2014. 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

Joseph Amery Staub
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 25, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Joseph Amery Staub 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 Joseph Amery Staub is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Joseph Amery Staub was born in 1970 and completed his Bachelor of Science degree in Accounting at Birmingham-Southern College in 1993. Mr. Staub is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started September 2020. Mr. Staub was a Financial Advisor at Guardian from March 2019 to September 2020, was self-employed from August 2016 to February 2019 and he was a Financial Advisor at Summit Asset Management from April 2005 to July 2016.

Mr. Staub 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

Emmett Nathaniel Stewart
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: August 13, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Emmett Nathanial Stewart 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 Emmett Nathanial Stewart is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Emmett Nathaniel Stewart was born in 1986. Mr. Stewart graduated from Lafayette College in 2008 with a Bachelor of Arts degree in Economics & Business and Music. Mr. Stewart is a registered Investment Adviser Representative and Sr. Financial Planner at Facet Wealth Inc. and started August 2021. Mr. Stewart was a VP, Financial Consultant at Charles Schwab from April 2020 to July 2021, an Associate Financial Consultant at Charles Schwab from June 2018 to April 2020, a Senior Client Relationship Specialist at Charles Schwab from June 2015 to June 2018, an Analyst at Tier 3 Capital, LLC from September 2014 to May 2015, and a Relationship Manager at Fidelity Investments from October 2008 to April 2014. 

Mr. Stewart 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

Jacob Storms
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: January 19, 2022
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Jacob Storms 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 Jacob Storms is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jacob Storms was born in 1974. Mr. Storms graduated from Arizona State University in 1997 with a Bachelor of Science in Business Management.  Mr. Storms is a Registered Investment Advisor Representative and Planner at Facet Wealth and began her career with Facet in January 2022. Mr. Storms was a registered representative and agent at Northwestern Mutual Investment Services from January 2007 to January 2022. 

Mr. Storms 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

Jennifer Tang
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Jennifer Tang 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 Jennifer Tang is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jennifer Tang was born in 1978. Ms. Tang graduated from the University of Miami in 2000 with a Bachelor of Business Administration and Florida Atlantic University in 2009 with a Master’s in Business Administration. Ms. Tang is a Registered Investment Advisor Representative and an Associate Planner at Facet Wealth and began her career with Facet in August 2021. Ms. Tang was previously an Operations Manager at NOESIS Capital Management Corp from April 2001 – March 2019.

Ms. Tang 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. 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

Filip Telibasa
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 23, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Filip Telibasa 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 Filip Telibasa is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Filip Telibasa was born in 1988 and graduated in 2010 with a Bachelor of Economics from The State University of New York (SUNY). Mr. Telibasa is an Investment Advisor Representative and Senior Lead Planner at Facet Wealth, Inc. and started November 2020. From November 2018 to November 2020, Mr. Telibasa was a Wealth Management Advisor at TIAA-CREF, a Wealth Strategy Associate at UBS Financial Services from January 2016 to November 2018, and from June 2010 to January 2016, he was a Private Client Banker at JP Morgan Chase Bank.

Mr. Telibasa 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

Benjamin Tesson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Benjamin Tesson 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 Benjamin Tesson is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Benjamin Tesson was born in 1994.  Mr. Tesson graduated from the University of Missouri in 2017 with a Bachelor of Science: Statistics. Mr. Tesson is a Registered Investment Advisor Representative and a Senior Client Success Manager at Facet Wealth and began his career with Facet in May 2021.  Mr. Tesson previously was a Senior Financial Planner at Plancorp, LLC, from June 2017 – April 2021.

Mr. Tesson 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

Alixandria Tucci
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: February 5, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Alixandria Tucci 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 Alixandria Tucci is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Alixandria Ann Tucci was born in 1993. Ms Tucci graduated from Nova Southeastern University, with a Bachelor’s in Finance, Business Administration in 2015 and a Master’s degree in Business Administration from Wake Forest University in 2018. Ms. Tucci has been an investment adviser representative of Facet Wealth, Inc. since February 2020. From June 2015 to February 2020, Ms. Tucci was a Financial Advisor at Vanguard.

Ms. Tucci 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

Brian Turner
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: October 5, 2022
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Brian Turner 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 Brian Turner is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Brian Turner was born in 1973.  Mr. Turner graduated from Westminster College (Salt Lake City, UT) with his Bachelor’s of Science in Financial Services.  Mr. Turner is a Registered Investment Advisor Representative and Planner at Facet Wealth and began his career with Facet in October 2022.  Mr. Turner was a Financial Advisor at Personal Capital Advisors Corporation from November 2020 – September 2022 and a Registered Representative at The Vanguard Group, Inc from July 2017 – October 2020. 

Mr. Turner has been a CERTIFIED FINANCIAL PLANNER™ since 2002. 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

Gianna Viele
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: February 5, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Gianna Viele 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 Gianna Viele is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Gianna Marie Viele was born in 1988. Ms. Viele graduated from St. Bonaventure University, with a Bachelor’s Degree in Business Administration/ Finance in 2010. Ms. Viele has been an investment adviser representative of Facet Wealth, Inc. since February 2020. From January 2019 to February 2020, Ms. Viele was an Advisor, Financial Planning at First National Bank of Omaha. From January 2018 to January 2019, Ms. Viele was an Advisor at Private Capital Management. From July 2016 to January 2018, Ms. Viele was a Support Advisor with Wagner Wealth Management. From September 2013 to April 2016, Ms. Viele was a Client Service Associate with Crestwood Advisors. From March 2013 to August 2013 she was an Office Manager at Carey & Co. P.C. From August 2011 to March 2013, Ms. Viele was an Accounts Payable Assistant with Seaside Therapeutics.

Ms. Viele 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

Karl J. Wacker
Facet 
ADV Part 2B, Brochure Supplement
Dated: January 2024
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Karl J. Wacker 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 Karl J. Wacker is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Karl J. Wacker was born in 1992.  Karl graduated from St. Mary’s University of San Antonio with the following degrees:  BBA in Corporate Financial Management.  Mr. Wacker is a Registered Investment Advisor Representative and Financial Planner at Facet. He began his career with Facet in December of 2021.  Karl was previously a Licensed Banker and Relationship Banker at JP Morgan Bank and Securities from 2020-2021; and an Admissions Associate at Gordon-Conwell Theological Seminary from 2017-2020.

Karl J. Wacker has been a CERTIFIED FINANCIAL PLANNER™ since May of 2023. 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

Meagen LeeAnna Wagner
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: March 30, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Meagen LeeAnna Wagner 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 Meagen LeeAnna Wagner is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Meagen LeeAnna Wagner was born in 1994. Ms. Wagner graduated from Murray State University in 2016 with a Bachelor of Science degree in Applied Mathematics. She also graduated from Murray State University in 2017 with an MBA in Finance. Ms. Wagner is an Investment Adviser Representative and Lead Planer at Facet Wealth Inc. and started March 2021. Ms. Wagner was a Senior Financial Planner at Plancorp LLC from July 2018 to March 2021 and a Business Manager at Lighting Solutions Design Gallery LLC from September 2017 to July 2018. Ms. Wagner was a student from Sept 2011 to May 2017.

Ms. Wagner 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.

Michelle Wagner, CFP®

Item 1: Cover Page

Michelle Wagner
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 22, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Michelle Wagner 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 Michelle Wagner is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Michelle Wagner was born in 1992.  Michelle Wagner graduated from University of North Carolina Wilmington with a Bachelor of Science in Business Administration and Management.  Michelle Wagner is a Registered Investment Advisor Representative and Director of Sales Enablement at Facet Wealth and began her career with Facet in April 2019.  Michelle Wagner was previously a Financial Planner at Sullivan, Bruyette, Speros & Blayney, LLC. Prior to that she worked at Cassaday & Company, Inc. as a Research Associate, Investment Management Associate, and an Associate Vice President.

Michelle Wagner 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

Brian Christopher Wagnon
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 9, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Brian Christopher Wagnon 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 Brian Christopher Wagnon is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Brian Christopher Wagnon was born in 1979 and graduated from the University of Idaho in 2005 with a Bachelor’s of Science degree in Psychology. Mr. Wagnon is an Investment Adviser Representative and Lead Financial Planner at Facet Wealth Inc. and started September 2020. Mr. Wagnon was a Registered Representative at Cetera Investment Advisers from January 2015 – September 2020, a Relationship Manager at Hart Capital Management from April 2016 – August 2020, he was a Wealth Advisor/Trust Relationship Manager at Columbia Bank/Intermountain Community Bank from June 2013 – April 2016 and a Banking Center Manager at Bank of America from January 2013 – June 2013. Mr. Wagnon was a Financial Advisor at Merrill Lynch from April 2011 – January 2013.

Mr. Wagnon 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

Brent M. Weiss
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 15, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Brent M. Weiss 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 Brent M. Weiss is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Brent M. Weiss was born in 1982 and graduated from the University of Notre Dame in 2005 with a Bachelor of Business Administration degree in Finance. Mr. Weiss is a Co-Founder and has been the Chief Evangelist of Facet Wealth, Inc. since December 2016.  Previously, Mr. Weiss was a Registered Representative at Kestra Financial Services, Inc. from April 2016 – December 2016, and a Registered Field Assistant with Clear Path Advisory from August 2016 – December 2016. Additionally, from March 2006 – April 2016, Mr. Weiss was a Registered Representative at NFP Advisor Services and a Principal at Brotman Financial Group, Inc. from January 2011 – August 2016.

Mr. Weiss has been a CERTIFIED FINANCIAL PLANNER™ since 2007. 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.

Mr. Weiss has been a ChFC®, Chartered Financial Consultant® since 2014.

ChFC® MINIMUM QUALIFICATIONS:

  • Bachelor’s degree or its equivalent, in any discipline, from an accredited university, this qualifies as one year of business experience
  • Three years of full-time business experience is required; this three-year period must be within the five years preceding the date of the award (part-time qualifying business experience is also credited toward the three-year requirement with 2,000 hours representing the equivalent of one year full-time experience).
  • Must fulfill the ChFC® seven course curriculum, as well as two additional elective courses
  • Pass the exams for all required and elective courses
  • Pass a background check and candidate fitness standards test. You must reveal any criminal history, pending litigation or ethical violations.  The CFP board verifies all employment history, qualifications, and disciplinary issues via FINRA’s Central Registration Depository.

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

Jesse James Wideman
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: July 23, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Jesse James Wideman 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 Jesse James Wideman Jr. is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jesse James Wideman Jr. was born in 1994. Mr. Wideman Jr. graduated from the University of South Carolina in 2016 with a Bachelor of Science degree in Marketing & Management. Mr. Wideman Jr. is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started July 2021. Mr. Wideman Jr. was a Financial Advisor at The Vanguard Group from Oct. 2019 to July 2021 and a client relationship specialist/new hire coach at Vanguard from April 2017 to Oct. 2019. Mr. Wideman Jr. held temporary employment positions at Staffmark from January 2017 to April 2017, was a project consultant at Sears Home Services from May 2016 to December 2016 and was a marketing intern at Dennis Corp. from April 2016 to October 2016. Mr. Wideman Jr. was a student from August 2012 to May 2016

Mr. Wideman Jr. 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

Jesse James Wideman 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 Wiethe
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: February 16, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Christopher Albert Wiethe 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 Albert Wiethe is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Christopher Albert Wiethe was born in 1991. Mr. Wiethe graduated from Ohio University in 2013 with a Bachelor’s of Science in Finance. Mr. Wiethe is an Investment Adviser Representative at Facet Wealth Inc. and started February 2021. Mr. Wiethe was a Wealth Advisor at CliftonLarsonAllen Wealth Advisors, LLC from September 2018 – February 2021, he was an Agent at Northwestern Mutual Life Insurance Company from June 2013 – September 2018, he was a Registered Representative at Northwestern Mutual Investment Services, LLC from August 2013 – September 2018, he was a Representative at Northwestern Mutual Wealth Management Company from January 2016 – September 2018, and a Financial Advisor at Northwestern Mutual Investment Services, LLC from May 2015 – March 2016.  Mr. Wiethe was a student at Ohio University from September 2009-May 2013.

Mr. Wiethe 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

Edward Williams
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: June 2, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Edward Williams 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 Edward Williams is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Edward Williams was born in 1978.  Mr. Williams graduated from the University of Pittsburgh in 2000 with a Bachelor of Art degree in Music and Business Administration (dual major). Mr. Williams is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started May 2021.  Mr. Williams was a Wealth Advisor at Citizens Bank from August 2020 to April 2021, a Wealth Management Advisor at TIAA from December 2015 to August 2020 and held various positions, including Senior Financial Advisor, at Vanguard from January 2004 to December 2015.

Mr. Williams 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.

Mr. Williams has been a ChFC®, Chartered Financial Consultant® since 2009.

ChFC® MINIMUM QUALIFICATIONS:

  • Bachelor’s degree or its equivalent, in any discipline, from an accredited university, this qualifies as one year of business experience
  • Three years of full-time business experience is required; this three-year period must be within the five years preceding the date of the award (part-time qualifying business experience is also credited toward the three-year requirement with 2,000 hours representing the equivalent of one year full-time experience).
  • Must fulfill the ChFC® seven course curriculum, as well as two additional elective courses
  • Pass the exams for all required and elective courses
  • Pass a background check and candidate fitness standards test. You must reveal any criminal history, pending litigation or ethical violations.  The CFP board verifies all employment history, qualifications, and disciplinary issues via FINRA’s Central Registration Depository.

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

Alexandra Wilson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 30, 2020
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Alexandra Wilson 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 Alexandra Wilson is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Alexandra Wilson was born in 1995 and graduated from Georgia State University in 2016 with a Bachelor’s of Arts degree in Finance. Ms. Wilson is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started September 2020. Alexandra was a Financial Coach at SmartPath Advisors, LLC from March 2018 to September 2020, a Financial Coach at 8 Degrees Financial Wellness from November 2017 to March 2018, and an Administrative Assistant at Harmon Financial Advisors from November 2016 to October 2017. She was an Intern at Harmon Financial Advisors from May 2016 to November 2016, and an Owner of Better Budgets from January 2016 to May 2016.

Ms. Wilson 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

Alexandra volunteers with the Financial Planning Association (FPA) ProBono Program as a Financial Coach.

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 Wirth
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: October 30, 2018
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, MD 21202

This Brochure Supplement provides information about David Wirth 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 Wirth is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

David F. Wirth was born in 1967. Mr. Wirth graduated from the University of South Florida in 1993, with a Bachelor of Arts degree in Sociology/Economics. Mr. Wirth has been Financial Planner of Facet Wealth since November 2017. From September 2017 to October 2017, Mr. Wirth was a Relationship Manager with AAFMAA Wealth Management & Trust. From January 2015 to August 2017, Mr. Wirth was a Financial Advisor with Savant Capital Management. From July 2010 to November 2014, Mr. Wirth was a Wealth Management Advisor with TIAA.

Mr. Wirth has been a CERTIFIED FINANCIAL PLANNER since 2002. 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

Anna Wisniewski
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: June 9, 2023
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Anna Wisniewski 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 Anna Wisniewski is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Anna Wisniewski was born in 1985.  Ms. Wisniewski graduated from Northwestern University in 2008 with a Bachelors Degree in Anthropology. Ms. Wisniewski is a Registered Investment Advisor Representative and Associate Planner at Facet Wealth and began her career with Facet in June 2021.  Ms. Wisniewski was previously unemployed from March 2020 – June 2021. She was the Director of Accounting at Murphy O’Brien Inc from August 2010 – March 2020. 

Ms. Wisniewski 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

Cynthia Wrick
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: July 22, 2021
Contact: Christopher Hufman, Chief Compliance Officer
400 East Pratt Street, 8th Floor
Baltimore, Maryland 21202

This Brochure Supplement provides information about Cynthia Wrick 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 Cynthia Wrick is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Cynthia L. Wrick was born in 1957. Ms. Wrick graduated from Curry College in 2002 with a Bachelor of Arts degree in Business Management. Ms. Wrick is an Investment Adviser Representative and Planner at Facet Wealth Inc. and started July 2021. Ms. Wrick was a Financial Advisor at PNC Investments from November 2020 to April 2021, a Wealth Management Advisor at TIAA from March 2017 to November 2020 and a VP, Financial Consultant at Fidelity Investments from August 2004 to January 2017.

Ms. Wrick 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.