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The Fine Print

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.

Mark Adolfson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: October 8, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Mark Adolfson was born in 1956. Mr. Adolfson is an Investment Adviser Representative and Planner at Facet Wealth Inc. and started October 2021. Mr. Adolfson was a consultant from October 2017 to October 2021, a Chief Financial Officer at Prime Storage from November 2013 to September 2017, and a Personal Financial Counselor at MHN Government Services from January 2010 to November 2013.

Mr.Adolfson has been a CERTIFIED FINANCIAL PLANNER™ since 1995. 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

 

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

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

Item 5: Additional Compensation

None

Item 6: Supervision

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

Samir Ahmed
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 01/18/2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

ChFC®- Chartered Financial Consultant®

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

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

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Danielle Alcide
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: April 9, 2021
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Danielle Alcide was born in 1982. Ms. Alcide graduated from The University of Maryland Eastern Shore in 2004 with a Bachelor of Science degree in Accounting. Ms. Alcide is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started April 2021. Ms. Alcide was an Adviser Consultant at TIAA from December 2015 to April 2021, a Client Service Associate at JPMorgan Chase from July 2014 to December 2015 and a Client Relationship Administrator at Vanguard from March 2011 to July 2014.

Ms. Alcide 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Kevin Barr
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 09/24/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Kevin John Barr was born in 1990 and graduated from Elon University with a Bachelor’s Degree in Finance and Economics in 2013. Kevin is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started February 2020. From June 2013 to February 2020, Kevin was a Senior Financial Advisor of The Vanguard Group, Inc., from August 2011 to June 2013 he was an Intern at the Trust Company of the South, and from June 2011 to August 2011, he was an Intern at Power Pro-Tech Services. Additionally, from June 2010 to August 2010, he was an Intern with Bancroft Construction Company.

Mr. Barr 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Jeanette Lynn Beatty
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 10/09/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

Jeanette Lynn Beatty was born in 1983 and graduated from Susquehanna University in 2004 with a Bachelor’s of Arts degree in Music. Jeanette is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started October 2020. Jeanette 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 Jeanette 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

Lucy Goins Blough
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: June 29, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

 Lucy Goins Blough was born in 1989. Ms. Blough graduated from the University of South Carolina in 2012 with a Bachelor of Science degree in Business Administration/Finance. Ms. Blough is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started in May 2021. Ms. Blough was a Paraplanner at John K. McGrill & Company from May 2019 to April 2021, a Planning Associate at Modera Wealth Management from July 2018 to May 2019, and an Investment Associate and Analyst at Matrix Wealth Advisors, Inc. from September 2012 to June 2018. Ms. Blough was a full-time student from August 2008 to September 2012.

Ms. Blough 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

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

This Brochure Supplement provides infor Jonathan Britt 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 Jonathan Britt is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Jonathan Britt was born in 1992. Mr. Britt graduated from Corker College in 2014 with a Bachelor of Science degree in Psychology. He also received his Executive Juris Doctor degree in Business Law from Purdue University Global in 2018.  Mr. Britt is an Investment Adviser Representative and Senior Financial Planner at Facet Wealth Inc. and started September 2021. Mr. Britt was a Financial Planner at DiPaolo Financial from June 2021 to July 2021, an Investment Consultant at Fisher Investments from May 2020 to April 2021, an Investment Representative at Fidelity Investments from December 2017 to May 2020, a Financial Advisor at Edward Jones from March 2016 to September 2017, an Insurance Representative at Transamerica from January 2015 to September 2016, an Insurance Representative at AGL from August 2013 to February 2014, and an Insurance Representative at United Insurance from June 2013 to August 2013.  Mr. Britt was a student from August 2010 to December 2014. 

Mr. Britt 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

Bethlyn Brookes
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 09/24/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Bethlyn Brookes was born in 1975 and graduated from the University of North Carolina-Charlotte, with a B.S. in Finance in 1998. Bethlyn is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started February 2020. From March 2010 to March 2020, Bethlyn was a Financial Planner of the Ernst & Young LLP and from January 1999 to July 2009, she was a Vice President at Bank of America.

Ms. Brookes 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

David Lloyd Brundage
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/30/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

David Lloyd Brundage was born in 1954 and received his Bachelor’s Degree in Business Administration from the University of Nevada, Las Vegas (UNLV) in 1984. David is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started September 2020. David 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

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

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

Item 2: Education Background and Business Experience

Aaron Matthew Buck was born in 1979. Mr. Buck graduated from Western Governors University in 2011 with a Bachelor of Science degree in Accounting.  He received his Master of Business Administration and Strategy in 2012 from Western Governors University. Mr. Buck is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started March 2021. Mr. Buck was a Financial Advisor at Brogan Financial Inc from November 2018 to March 2021, an Independent Insurance Broker from October 2013 to November 2018, a Registered Representative at The Investment Center Inc. from October 2017 to November 2018, an Investment Advisor at SSN Advisory Inc from July 2015 to October 2017, and an Accountant at Enterprise Holdings from March 2013 to October 2013. 

Mr. Buck 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

Noreen Burtner
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 11/03/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

Noreen Burtner was born in 1969 and graduated from Northern Illinois University in 1991 with a Bachelor of Science in Engineering and from Cardinal Stritch University in 2002 with a Master’s of Business Administration. Noreen is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started November 2020. Previously, Noreen 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: 08/18/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Tarif Carson
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 09/24/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

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

Mr. 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

Mr. 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Kenneth Dale Castleman
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/15/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Kenneth Dale Castleman was born in 1965 and graduated from Northern Arizona University in 1988 with a Bachelor’s  of Science degree in Industrial Engineering. Kenneth is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started August 2020. Previously, he was self-employed from May 2020 – September 2020,  a Trust Consultant at USAA  Federal Savings Bank from September 2018 – May 2020, he was an Investment Representative and Financial Planner at USAA Investment Management Company from  July  2007 – September 2018, as well as a Financial Planner at the Vanguard Group from September 2002 – July 2007. 

Mr. Castleman has been a CERTIFIED FINANCIAL PLANNER™ since 2005. 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.

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

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

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

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

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

Mr. Castleman is a ChFC®, Chartered Financial Consultant®

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

Natalie Chaves
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 09/24/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Natalie Chaves was born in 1988 and graduated with her Bachelor’s Degree in Business Administration with a minor in Sociology from the University of Florida in 2010. Natalie is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started March 2020. From March 2017 to March 2020, Natalie was a Planning Consultant at Charles Schwab, from January 2015 to February 2017, she was a Financial Advisor at Morgan Stanley Private Bank, and from February 2014 to January 2015, she was a Wealth Advisor Associate at Morgan Stanley. Additionally, from November 2013 to January 2014, she was a Relationship Specialist at Charles Schwab and from January 2012 to December 2013 she was a Talent Manager at Michael Kors.

Ms. Chaves 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

Ian Ross Clark
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 11/05/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Ian Ross Clark was born in 1984 and graduated from Southern Methodist University in 2007 with a Bachelor’s of Finance degree. Ian is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started November 2020. Ian was a Wealth Management Advisor at TIAA from February 2016 – November 2020 and a Financial Advisor at Vanguard from November 2010 – January 2016.

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

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

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

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

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

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

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

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: 09/24/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

Danielle Marie Cole was born in 1976 and graduated from Robert Morris University in 1998, with a Bachelor’s Degree in Finance in 1998. Danielle is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started October 2018. From June 2017 to October 2018, Danielle was a Financial Planner at ICMA-RC and from June 2006 to June 2017, she was a Financial Planner at USAA.

Ms. Cole 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Kenneth Connally
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 09/24/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Robert Anthony Curtis Jr
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 01/15/2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

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

Mr. Curtis Jr has been a CERTIFIED FINANCIAL PLANNER™ since 2017. 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Kimberly B DuLaurence
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 11/03/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

Kimberly B DuLaurence was born in 1970, received a Bachelor’s of Music Vocal Performance in 1995 from the New England Conservatory of Music, a Master’s of Music Vocal Performance in 1998, as well as a Bachelor’s of Art Psychology and Economics from the University of Massachusetts in 2016 . Kimberly is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started November 2020. Kimberly 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.

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Jamie Dunn
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 09/24/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Richard Eicheldinger
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 12/10/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Richard Robert Eicheldinger is a licensed insurance agent. From time to time, he will offer clients advice or products from this activity. Clients should be aware that these services pay a commission and involve a possible conflict of interest, as commissionable products can conflict with the fiduciary duties of a registered investment adviser. Facet Wealth always acts in the best interest of the client; including in the sale of commissionable products to advisory clients. Clients are in no way required to implement the plan through any representative of Facet Wealth in their capacity as a licensed insurance agent.

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Patrick Elliott
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 09/24/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Patrick is the owner of a satellite installation company.

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Richard Elliott
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 09/24/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

Richard Lawrence Elliott was born in 1969 and graduated from the University of Massachusetts at Amherst in 1991 with a Bachelor’s Degree in Business/Finance and completed his MBA at Boston College in 2002.  Richard 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, Richard was a Senior Tax Associate at Price Waterhouse Coopers, from November 2016 to December 2016 and from November 2015 to June 2016, he was unemployed, and  from February 2007 to November 2015,  he was a Wealth Management Advisor at TIAA-CREF.

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

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

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Astute Evans
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/15/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Jacki Farrar
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 02/17/2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Jacki Farrar was born in 1984. Ms. Farrar graduated from Washington State University in 2007 with a Bachelor’s degree in Business Administration. Ms. Farrar is an Investment Adviser Representative at Facet Wealth Inc. and started February 2021. Ms. Farrar was a Financial Advisor at Edward Jones from December 2019 – February 2021, she was a Financial Advisor at Moss Adams from August 2018 – December 2019, she was an Associate at Cornerstone Financial Strategies from October 2017 – August 2018, she was an Associate Client Manager at Cornerstone Advisors from October 2016 – October 2017, she was a Financial Advisor at Edward Jones from April 2013 – October 2016, she was a Course Sales Associate at Golf Channel from August 2012 – March 2013. Ms. Farrar was an Inside Sales Manager at Purcell Advisory Services from February 2011 – May 2012.

Ms. Farrar 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

Item 2: Education Background and Business Experience

Ryan Laurence Furlong was born in 1990. Mr. Furlong graduated from the University of Missouri, Columbia in 2013 with a Bachelor of Science degree in Financial Planning. Mr. Furlong is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started April 2021. Mr. Furlong was a Financial Planner at The Worley Banks Group from March 2020 to April 2021, an Associate Wealth Advisor at Buckingham Wealth Management from January 2014 to February 2020, he was an Analyst at Labrunerie Financial from May 2013 to December 2014, and an Associate Wealth Advisor at Cleaning Professionals LLC., from May 2009 to June 2012.

Mr. Futch 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

Eric Futch
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 09/24/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Eric Futch was born in 1973 and graduated from Wake Forest University in 1997, with a Bachelor of Arts Degree in History. Eric is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started January 2020. From March 2019 to January 2020, Eric was unemployed, from June 2011 to March 2019, he was a Senior Vice President of Financial Planning at BB&T, from April 2010 to May 2011, he was a Vice President at Merrill Lynch and from June 2005 to March 2010, Eric was a Vice President Financial Strategist at SEI Investments.

Mr. Futch 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

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Stephen Bernard Glowacka
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 01/18/2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Stephen Bernard Glowacka was born in 1978. Mr. Glowacka graduated from Arizona State University in 2002 with a Bachelor’s of Finance. Mr. Glowacka is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started January 2021. 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, he was unemployed from July 2018 – February 2019. Mr. Glowacka was a Financial Consultant at Charles Schwab from September 2010 – July 2018.

Mr. Glowacka has been a CERTIFIED FINANCIAL PLANNER™ since 2016. 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.

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Jessica Lee Goedtel
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 10/09/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Jessica Lee Goedtel was born in 1983 and graduated from Pennsylvania State University in 2007 with a Bachelor’s Degree in Classics and Ancient Mediterranean Studies. Jessica is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started October 2020. Jessica was an Assistant Vice President at Valley National Financial Advisors from May 2016 to September 2020, a Senior Financial Analyst at Ayco from November 2013 to May 2016.

Ms. Goedtel 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

Mary Haviland Goesel
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 01/21/2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Mary Haviland Goesel was born in 1978. Ms. Goesel graduated from Elon University in 2000 with a Bachelor’s of Science degree in Marketing. Ms. Goesel is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started January 2021. Ms. Goesel was a Wealth Management Advisor at TIAA from April 2017 – November 2020, she was a VP Financial Advisor at Bank of America from August 2015 – April 2017. Ms. Goesel was a VP Wealth Management at Bank of America from May 2010 – August 2015.

Ms. Goesel has been a CERTIFIED FINANCIAL PLANNER™ since 2016. 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

David Gonzalez
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 09/25/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

David Gonzalez was born in 1968 and graduated from SUNY New Paltz in 1991, with a Bachelor’s degree in Biology. David 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

Michael Gorman
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: October 8, 2021
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Michael Gorman was born in 1985. Mr. Gorman graduated from Marquette University in 2008 with a Bachelor of Science degree in Accounting. Mr. Gorman is a Senior Financial Planner and an Investment Adviser Representative at Facet Wealth Inc. and started October 2021. Mr. Gorman was a Managing Advisor at BKD Wealth Advisors from November 2016 to September 2021 and a Sr. Financial Analyst at CBRE from February 2011 to November 2016.

Mr. Gorman 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

Gurvir “Gary” Grewal
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 02/25/2021
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This brochure supplement provides information about Gurvir Singh Grewal that supplements the Facet Wealth, Inc. brochure. You should have received a copy of that brochure. Please contact Gurvir Singh Grewal if you did not receive Facet Wealth’s brochure or if you have any questions about the contents of this supplement.

Additional information about Gurvir Singh Grewal is also available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Gurvir Singh Grewal was born in 1988 and completed his Bachelor of Science degree in Physiology at the University of California, Los Angeles in 2010 and his Master of Science in Financial Services at the American College in 2013. Gurvir is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started April 2020. From November 2015 to April 2020, Gurvir was a Wealth Management Advisor at TIAA, from October 2015 to November 2015, he was a Sales Representative at Stack Overflow, and from April 2014 to July 2015, he was an Investment Consultant at Scottrade. Additionally, from March 2010 to April 2014, he was a Substitute Teacher at Rocklin Unified School District, and from October 2010 to March 2104, he was a Financial Advisor at MassMutual Financial Group.

Mr. Grewal 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

Gurvir Singh Grewal owns California Box Rental, a moving box rental company.

Gurvir Singh Grewal is the owner and writer of Financial Fives blog and the website dedicated to the book, Financial Fives. Interviews and content are no way related to Facet Wealth. Full site disclosure can be found at https://www.financialfives.com/privacy-policy-and-disclaimer.

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Tim Gump
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 02/05/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Matthew Hale
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 07/23/19
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Matthew Dowd Hale was born in 1984. Mr. Hale graduated from the Arizona State University in 2010, with a Bachelor’s degree in Economics in 2010. Mr. Hale has been an investment adviser representative and lead planner of Facet Wealth, Inc. since July 2019. From May 2010 to July 2019, Mr. Hale was a senior financial advisor at Vanguard. From August 2008 to May 2010, he was a student at Arizona State University.

Mr. Hale 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Matthew Dowd Hale is contracted bartender for music festivals in which he receives a $50 per day base rate plus tips.

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

Heath Hampton
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 08/22/19
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Heath Hampton was born in 1970. Mr. Hampton graduated from the Mercer University in 1998, with a Master’s degree in Finance. Mr. Hampton graduated from the University of Georgia in 1993, with a Bachelor’s degree in Business Administration International Business. Mr. Hampton has been an investment adviser representative of Facet Wealth, Inc. since August 2019. From November 2010 to August 2019, Mr. Hampton was a self-employed planner. From April 2009 to November 2010, he was a Financial Advisor at Wells Fargo Advisors.

Mr. Hampton has been a CERTIFIED FINANCIAL PLANNER since 2001. 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

Timothy A Ryan Hanson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 10/16/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

Timothy A Ryan Hanson was born in 1989 and graduated from Northern Arizona University in 2010 with a Bachelor’s of Arts degree in International Affairs and Political Science. Timothy is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started October 2020. Timothy 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 is a Board Treasurer for Motor City Pride. Motor City Pride is a 501(c)(3) association formed to host the annual Festival and Parade. His responsibilities include the oversight of the festival financials, transactions, and accounts.

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Tyler Horn
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 10/17/19
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

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

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Caitlin Marie Howerton
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/15/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Jeffrey Jablonski
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 07/14/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Jeffery Scott Jablonski is a rental property owner.

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Christopher Jackson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 12/10/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

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

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

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

Item 2: Education Background and Business Experience

Jeremy Jackson was born in 1979. Mr. Jackson graduated from the US Air Force Academy in 2002 with a Bachelor of Science in Political Science.  He received his Masters of Public Administration in 2004 from the University of Central Florida, and his MBA from Central Michigan University in 2019.  Mr. Jackson is a registered Investment Adviser Representative and  Planner at Facet Wealth Inc. and started May 2021. Mr. Jackson was a Financial Associate at Thrivent Financial from June 2014 to May 2021.  Mr. Jackson is a Lieutenant Colonel in the US Army Reserve.  He was a Lieutenant Colonel in the Michigan National Guard from October 2014 to December 2020 and a Major in the US Army from October 2006 to October 2014. 

Mr. Jackson has been a CERTIFIED FINANCIAL PLANNER™ since 2016. 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.

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

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

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

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

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

ChFC®- Chartered Financial Consultant®

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

Jeremy Jackson is a Lieutenant Colonel in the US Army Reserves working part-time as a Human Resources Officer.

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

Vekevia Tillman-Jones
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 08/15/19
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

This Brochure Supplement provides information about Vekevia Tillman-Jones 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 Vekevia Tillman-Jones is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Vekevia Tillman-Jones was born in 1984. Ms. Tillman-Jones graduated from the Florida State University in 2007, with a Master’s degree in Business Administration in 2007. Ms. Tillman-Jones has been an investment adviser representative of Facet Wealth, Inc. since August 2019. From August 2016 to July 2019, Ms. Tillman-Jones was a Financial Planner at Financial Finesse. From September 2010 to October 2012, she was a Relationship Specialist at Charles Schwab. From October 2012 to July 2016, she was an Associate Portfolio Consultant at Charles Schwab. From August 2009 to August 2010, she was a Financial Services Specialist IV at Regions Bank. From July 2007 to August 2009, she was an Assistant Branch Manager at Regions Bank.

Ms. Tillman-Jones 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Laura Kimball
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: April 13, 2021
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Laura Kimball was born in 1964.  Ms. Kimball obtained her MBA from Southern Methodist University in 1997.  She graduated from Arizona State University in 1988 with a Bachelor of Science degree in Accounting.  Ms. Kimball is a Planner and registered Investment Adviser Representative at Facet Wealth Inc. and started January 2021.  She was an Associate Advisor at Aspire Planning Associates, Inc. from March 2019 to January 2021, a Relationship Manager at United Capital from November 2017 to September 2018, a student from January 2017 to December 2017 when she earned a Certificate in Financial Planning from Southern Methodist University, Senior Director at Capital One from May 2010 to January 2017 and a Director of Financial Planning & Analysis at Med-Trans Corporation from July 2008 to April 2010.

Ms. Kimball 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Ms. Kimball has been a Certified Public Accountant (CPA) since 1990.

A certified public accountant (CPA) in today’s environment must not only have a high level of technical competence and a sense of commitment to service, but must also have good communications and analytical skills, and the ability to work well with people. Employers are looking for individuals who have the ability to analyze and evaluate complex business problems and the interpersonal skills and maturity to make decisions in a client-and customer-service environment.

To obtain the required body of knowledge and to develop the skills and abilities needed to be successful CPAs, students should complete 150 semester hours of education. Many states/jurisdictions now require or will require 150 semester hours of education for obtaining the CPA license. Colleges and universities in these states/jurisdictions determine the curriculum for pre-licensure education of CPAs; it typically features a good balance of accounting, business, and general education.

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Laura Kimball is the owner of Kimball Financial Services, LLC., which provides bookkeeping for businesses. 

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: 09/09/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

Thomas Kirby was born in 1971 and graduated from Metropolitan State University in 1997 with a Bachelor’s of Arts Degree in Finance. Thomas is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started September 2020. Thomas 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. Thomas 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 (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Michael Allen Kirkendale-Haak
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/09/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2 Education Background and Business Experience

Michael Allen Kirkendale-Haak was born in 1989 and graduated from Clemson University in 2014 with a Bachelor’s of Science degree in Financial Management. Michael is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started September 2020. Previously, Michael was a Registered Representative at The Vanguard Group from July 2016 – September 2020. Michael 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 (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

Michael is a driver for Uber.

Item 5 Additional Compensation

None

Item 6 Supervision

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

Item 1: Cover Page

Harold (Harry) J. Kirkpatrick
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/15/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2 Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3 Disciplinary Information

None

Item 4 Other Business Activities

None

Item 5 Additional Compensation

None

Item 6 Supervision

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

Item 1: Cover Page

Cody Daniel Koletic
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/28/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2 Education Background and Business Experience

Cody Daniel Koletic was born in 1991 and graduated from Florida State University in 2014 with a Bachelor’s of Science degree in Accounting and Finance. Cody is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started September 2020. Cody was a Family Wealth Advisor at Atlantic Wealth Partners LLC from June 2019 to August 2020, a Wealth Advisor at Baron Silver Stevens Financial Advisors, LLC from July 2017 to May 2019, and a Financial Advisor at Valic Financial Advisors, Inc from January 2015 to August 2017.

Mr. Koletic 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 currently satisfactorily fulfill the following requirements:

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

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

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

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

Item 3 Disciplinary Information

None

Item 4 Other Business Activities

None

Item 5 Additional Compensation

None

Item 6 Supervision

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

Item 1: Cover Page

Autumn Knutson
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/24/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2 Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3 Disciplinary Information

None

Item 4 Other Business Activities

None

Item 5 Additional Compensation

None

Item 6 Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Sabrina Lee
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 09/18/19
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Sabrina Lee sits on the board at Pure Beautiful Healing.

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

This Brochure Supplement provides information about Melissa Leonard 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

Melissa Louise Leonard was born in 1988. Ms. Leonard graduated from Virginia Polytechnic Institute and State University in 2012 with a Bachelor of Science degree in Applied Economic Management.  Ms. Leonard is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started May 2021. Ms. Leonard was an Associate Advisor at Moss Adams from September 2018 to May 2021, an Associate Client Manager at Cornerstone Advisors Inc from October 2016 to September 2018, an Associate Advisor at Joel Isaacson & Co. from October 2014 to July 2016, and an Analyst at Evermay Wealth Management from May 2012 to October 2014

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Todd Matthew Macaulay
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/30/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Todd Matthew Macaulay was born in 1978 and graduated from Denison University in 2000 with a Bachelor’s of Arts degree in Economics. Todd is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started September 2020. Todd was a Financial Well-Being Officer at the University of Kentucky from July 2015 to September 2020, a Financial Representative at Safe Harbor Retirement Planning from April 2013 to May 2015,

Mr. 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.

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

Todd Matthew Macaulay is a Den Leader and Advancement Chair for the Boy Scouts of America. His responsibilities include managing the den activities and organizing the distribution of awards earned from 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

Kyle Paul Mahle
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/25/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Kyle Paul Mahle was born in 1988 and completed his Bachelor’s Degree in Trust & Wealth Management and his MBA at Campbell University in 2011. Kyle is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started September 2020. Kyle was a Financial Planning Strategist at Truist Financial from April 2015 to September 2020, a Trust Administrative Officer II at Bank of America from November 2012 to March 2015 and was a Trust Administrator I at Wells Fargo from June 2011 to November 2012.

Mr. Mahle has been a CERTIFIED FINANCIAL PLANNER™ since 2017. 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.

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: 09/15/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

Muata Rikondja Mahluli was born in 1969 and graduated from the University of Detroit Mercy in 1992 with a Bachelor’s degree in Criminal Justice. Muata 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 (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Eric Karl Reinhold Masch
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/15/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

Eric Karl Reinhold Masch was born in 1990 and graduated from Santa Clara University in 2011 with a Bachelor’s of Science degree in Finance. Eric is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started August 2020. Previously, Eric 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 (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Matthew McCoy

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

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

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

Item 2: Education Background and Business Experience

Matthew Daniel McCoy was born in 1989 and graduated from Appalachian State University in 2012 with a Bachelor of Science degree in Business Administration/Marketing. Matthew Daniel 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 (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Madeline McIvor
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 08/18/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Madeline is a Pure Barre instructor.

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

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

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

Item 2: Education Background and Business Experience

Robinson Mertilus was born in 1981 and graduated from Florida State University in 2004 with a Bachelor’s of Science degree in Finance. Robinson is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started September 2020. Previously, Robinson was a Wealth Strategist at Diversified Trust Company from January 2016 – September 2020. He was a Financial Advisor at Edward Jones from April 2013 – January 2016 and an Analyst at PNC Bank from October 2009 – April 2013.

Robinson has been a CERTIFIED FINANCIAL PLANNER™ since 2015. 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.

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Robinson is an Amazon seller.

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Christopher Miller
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 10/04/19
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Emily Milsap
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 02/05/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Emily Christin Millsap was born in 1974. Ms. Millsap graduated from the University of Evansville with a BLS in Liberal Studies in 2009 and a Graduate Certificate in Financial Therapy from Kansas State in 2016. Ms. Millsap has been an investment adviser representative of Facet Wealth, Inc. since February 2020. From October 2019 to February 2020, Ms. Millsap was a Financial Planner at R W Baird. From May 2011 to June 2018, Ms. Millsap was a Senior Wealth Planner with Hilliard Lyons. From December 2009 to October 2011, Ms. Millsap was an Assistant Product Manager at LPL Financial Services. From April 2005 to May 2011, Ms. Millsap worked various positions at Old National Bank.

Ms. Milsap 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Emily volunteers for Operation Homefront, pro-bono, educating veterans in basic budgeting and assistance in home purchasing once they are stateside. Approximately 10hrs per month are dedicated to this activity.

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

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

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

Item 2: Education Background and Business Experience

Terry Jay Montano was born in 1990. He graduated from The University of Georgia in 2014 with a B.S.F.C.S. in Financial Planning. Mr. Montano was a Portfolio Analyst and Financial Planner at TrueWealth, LLC from January 2015 to November 2020 and a Senior Portfolio Analyst at  Capital Directions, LLC from December 2020 until February 2021.  Mr. Montano joined Facet Wealth, Inc. in March of 2021 as a Lead Planner.  

Mr. Montano 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

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

Kyle Moore
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 11/18/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Kyle Andrew Moore was born in 1989 and graduated from Texas A&M University in 2013 with a Bachelor’s of Science degree in Agribusiness. Kyle is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started November 2020. Kyle was a VP – Financial Consultant at Charles Schwab January 2018 to November 2020, and a Workplace Planning and Guidance Consultant at Fidelity Investments from April 2015 to December 2017.

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Joshua Daniel Mora
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: June 3, 2021
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Joshua Daniel Mora was born in 1985. Mr. Mora graduated from the University of Arizona in 2007 with a Bachelor of Science degree in Finance. Mr. Mora is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started May 2021. Mr. Mora was a Lead Planner at Mora Financial Wellness from August 2020 to May 2021 and a Registered Representative at Fidelity Investments from May 2008 to June 2020.

Mr. Mora 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Joshua Daniel Mora is the owner at MAS Entertainment LLC.

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

This Brochure Supplement provides information about Emily (Kelly) Bost Nilsson 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 Emily Bost Nilsson is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Emily Bost Nilsson was born in 1966. Ms. Nilsson graduated from St Francis School of Law in 2018 with a Juris Doctor degree. She also graduated from Mount Holyoke College in 1988 with a Bachelor of Arts degree in International Relations. Ms. Nilsson is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started March 2021. Ms. Nilsson was a Registered Advisor at Calton & Associates, Inc from June 2015 to March 2021 and an Administrator at Pacific Southwest Financial from June 2010 to March 2021. Ms. Nilsson was a Planning Officer at Superior Planning, Inc from July 2010 to March 2021. Ms. Nilsson worked as an Administrator at Lincoln Investment from June 2012 to June 2015, an Administrator at Capital Analysts Inc. from August 2010 to June 2012 and as an FSR at MetLife Securities Inc. from June 2009 to June 2010. 

 

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

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

Item 2: Education Background and Business Experience

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

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Robert Eric Peralta
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: September 22, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Robert Eric Peralta was born in 1984.  Mr. Peralta graduated from Arizona State University in 2013 with a Master of Science degree in Information Management.  Mr. Peralta received his Bachelor of Science degree in Business Administration/Finance from Northern Arizona University in 2006.  Mr. Peralta is an Investment Adviser Representative and Planner at Facet Wealth Inc. and started December 2020. Mr. Peralta was a Sr. Specialist at Charles Schwab & Co from August 2017 to September 2021, a Paraplanner at Ameriprise Financial Services from May 2016 to June 2017, a Complex Operations Manager at RBC Wealth Management from November 2013 to May 2016, and a Registered Representative at Charles Schwab & Co from August 2006 to September 2013.

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

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

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

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

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

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

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

Mr. Quinn has been a Certified ChFC®- Chartered Financial Consultant since 2020.

ChFC®- Chartered Financial Consultant®

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

Robert Eric Peralta provides bookkeeping services for his wife’s online retail business.

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Howard Garrett Pickering 
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 01/21/2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Additional information about Howard Garrett Pickering is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Howard Garrett Pickering was born in 1993. Mr. Pickering graduated from University of Oregon in 2015 with a Bachelor’s of Science degree in Mathematics. Mr. Pickering is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started January 2021. Mr. Pickering was an Associate, Financial Consultant at Charles Schwab from July 2015 – December 2021, he was a Dual Employee at Charles Schwab Bank from May 2017 – December 2020, he was a Student at University of Oregon from June 2011 – June 2015, he was an Intramural Sports Supervisor/Referee at University of Oregon Rec Center form September 2021 – June 2015. Mr. Pickering was a Student at Desert Vista High School.

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

Item 2: Education Background and Business Experience

Noah Polk was born in 1992. Mr. Polk graduated from Morehead State University in 2014 with a Bachelor of Science in Business Administration. Mr. Polk is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started March 2021. Mr. Polk was a Group Leader at Kentucky Baptist Convention from June 2014 to March 2021, a Registered Investment Advisor at Kentucky Planning Partners from December 2020 to January 2021, an Associate Wealth Advisor at Baird form November 2019 to November 2020, a Financial Planner at Hilliard Lyons from February 2015 to October 2019, and a Community Activity Coordinator at Cedar Lake from August 2014 to January 2015. Mr. Polk was a student at Morehead State University from August 2010 to May 2014.

Mr. Polk 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Daniel Vincent Quinn
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: July 26, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Daniel Vincent Quinn was born in 1976. Mr. Quinn graduated from the University of Phoenix in 2017 with a Bachelor of Science degree in Business Administration. Mr. Quinn is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started July 2021. Mr. Quinn was a Senior Financial Consultant at TD Ameritrade from September 2015 to January 2021, a Financial Advisor at Morgan Stanley from April 2013 to September 2015 and a Financial Advisor at Financial Advisor from June 2009 to April 2013.

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

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

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

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

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

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

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

Mr. Quinn has been a Certified ChFC®- Chartered Financial Consultant since 2020.

ChFC®- Chartered Financial Consultant®

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

Daniel Vincent Quinn 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

Bijan Alejandro Ramirez
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 02/24/2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Additional information about Bijan Alejandro Ramirez is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Bijan Alejandro Ramirez was born in 1993. Mr. Ramirez graduated from University of Wisconsin in 2016 with a Bachelor’s of Science degree in Personal Finance. Mr. Ramirez is an Investment Adviser Representative at Facet Wealth Inc. and started February 2021. Mr. Ramirez was a Financial Advisor at Wealth Enhancement Advisory Services from January 2021 – February 2021, he was a Financial Advisor at Wealth Enhancement Group from January 2021 – February 2021, he was a Financial Consultant at SVA Wealth Management, LLC from July 2018 – December 2020, he was an Associate Financial Consultant at SVA Plumb Wealth Management, LLC from July 2018 – December 2020, and  a Project Assistant at Filbrandt & Company from February 2015 – October 2015.

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

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

Item 2: Education Background and Business Experience

Stephanie Cooper Remisiewicz was born in 1969. Ms. Remisiewicz graduated from Auburn University in 1992 with a Bachelor of Arts degree in Public Relations. Ms. Remisiewicz is a registered Investment Adviser Representative and Senior Financial Planner at Facet Wealth Inc. and started August 2021. Ms. Remisiewicz was a Financial Planner at Wealth Enhancement Advisory Services from September 2018 to February 2021, a Financial Planner at Retirement Strategies from April 2017 to August 2018, an Associate Wealth Management Advisors at Northwestern Mutual Investment Services, LLC from January 2015 to February 2017, and an Associate Wealth Management Advisors at Northwestern Mutual Investment Services, LLC from June 2009 to December 2014.

Ms. Remisiewicz has been a CERTIFIED FINANCIAL PLANNER™ since 2003. 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Ms. Remisiewicz is the secretary/treasurer at Summerhouse Condominium Ocean and Racquet Club, a board member at Florida State College Workforce Education Board, and an advisory member with the Florida State College of Jacksonville Financial Services Advisory Committee.

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

Valerie Ann Rivera
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 11/04/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Valerie Ann Rivera was born in 1985 and graduated from Northeastern IL in 2012 with a Bachelor’s of Arts in Economics. Valerie is an Investment Adviser Representative and Lead Planner at Facet Wealth Inc. and started November 2020. Valerie was a Wealth Management Advisor at TIAA from August 2017 to November 2020, a Financial Advisor at Merrill Lynch from June 2016 to August 2017, an Internal Sales Consultant at Deutsche AM Distributors from July 2014 to June 2016 and a Private Client Associate at Bernstein Global Wealth Management from December 2012 to July 2014.

Ms. Rivera 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

Chelsea Barrows Rixner
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 12/07/18
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Additional information about Chelsea Barrows Rixner is available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Chelsea Rixner was born in 1988. Ms. Rixner graduated from  Franklin & Marshall College with a Bachelor’s Degree in Anthropology in 2011. Ms. Rixner has been an investment adviser representative of Facet Wealth since December 2018.  From June 2017 until November 2018 she worked as a Financial Advisor at CUNA Brokerage Services, Inc.  From August 2011 until June 2017 she was a Financial Planner at AXA.

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

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

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

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

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

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

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

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

Kevin Patrick Roe
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/15/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Kevin Patrick Roe was born in 1989 and graduated from West Virginia University in 2011 with a Bachelor of Science in Finance. Kevin is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started August 2020. Previously, he was a Wealth Planning Associate at UBS Financial Services Inc. from November 2015 – August 2020, a Registered Representative at AXA Advisors LLC. from June 2012 – November 2015 and was a Sales Support Representative at PAYCHEX from June 2011 – April 2012.

Mr. Roe has been a CERTIFIED FINANCIAL PLANNER™ since 2017. 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.

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Dean Rossetti
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 16, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Dean Anthony Rossetti was born in 1981. Mr. Rossetti graduated from Arizona State University in 2004 with a Bachelor of Arts degree in Political Science. Mr. Rossetti is a registered Investment Advisor Representative and Planner at Facet Wealth Inc. and started November 2021. Mr. Rossetti was a Financial Planning Director at Morgan Stanley from March 2021 to October 2021, a Financial Planning Consultant at Northwestern Mutual from January 2020 to March 2021, a Director of Financial Planning at Northwestern Mutual from November 2017 to January 2020, a Financial Planning Consultant at MetLife from November 2015 to January 2017, a Client Service Associate at JP Morgan from December 2012 to May 2015, and a Financial Advisor III at USAA from April 2011 to December 2012.

Mr. Rossetti 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.

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Carlos Daniel Ruiz, Jr.
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: November 4, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd 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 graduated from William Paterson University in 2017 with a Bachelor of Science degree in Financial Planning.  Mr. Ruiz is an Investment Adviser Representative and Planner at Facet Wealth Inc. and started November 2021. Mr. Ruiz 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 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 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.

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Patrick Sabol
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: August 30, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd 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 (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

This Brochure Supplement provides information about Julie Lynn Sackett 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 Julie Lynn Sackett available on the SEC’s website at www.adviserinfo.sec.gov

Item 2: Education Background and Business Experience

Julie Lynn Sackett was born in 1960. Ms. Sackett graduated from the University of Northern Iowa in 1985 with a Bachelor of Arts degree in Business. Ms. Sackett is an Investment Adviser Representative and Planner at Facet Wealth Inc. and started August 2021. Ms. Sackett was a Personal Financial Counselor at Zeiders International from January 2021 to August 2021 and a  Sr. Business Manager at TIAA from January 2001 to September 2019.

Ms. Sackett has been a CERTIFIED FINANCIAL PLANNER™ since 2015. 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.

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

Julie Lynn Sackett is an Airbnb owner. 

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Raman Singh
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: April 14, 2021
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Raman J Singh was born in 1988. Mr. Singh graduated from the University of Houston in 2012 with a Bachelor of Science degree in Finance. Mr. Singh is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started in April 2021. Mr. Singh was a Financial Planner at The Holland Group Retirement Wealth Advisors from April 2019 to March 2021, an Associate Wealth Advisor at Northwestern Mutual Investment Services from February 2017 to April 2019, an Investment Consultant at Fidelity Investments from September 2015 to February 2017, a Regional Marketing Specialist at AIG Financial Distributor from November 2014 to September 2015 and a Wealth Management Analyst at Morgan Stanley from March 2011 to November 2014.

Mr. Singh 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Kevin Robert Smith
Facet Wealth
ADV Part 2B, Brochure Supplement
Dated: 11/23/20
Contact: Christopher J. Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, MD 21202

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

Item 2: Education Background and Business Experience

Kevin Robert Smith was born in 1989. Mr. Smith completed his degree in Bachelor of Science Finance at Immaculata University in 2013. Mr. Smith has been an investment adviser representative of Facet Wealth, Inc. since November 2020. From October 2020 to present, Mr. Smith is a Lead Planner at Facet Wealth. From November 2013 to October 2020, he was a Financial Advisor at Vanguard. From May 2013 to November 2013 he was an Investment Accountant at Bank of New York Mellon. From November 2010 to May 2013, he was an Accounting assistant at Tullio Falini CPA.

Mr. Smith 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 Ethicsand other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Abigail Soren
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 09/29/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Abigail Soren was born in 1988 and graduated from the University of Georgia in 2010 with a Bachelor of Science degree in Financial Planning. Abigail 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.

Ms. Soren 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

Jameson Stady
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 06/29/2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Jameson Stady was born in 1990. Mr. Stady graduated from Mississippi Valley State University in 2014 with a Bachelor of Science degree in Business Administration. Mr. Stady has been with Facet Wealth Inc., as a registered Investment Advisor and Planner since March 2021.  Mr. Stady was a Financial Consultant at ETRADE Securities from November 2020 to March 2021, an Associate Financial Consultant at Charles Schwab from April 2016 to October 2020 and a Warehouse Coordinator for the Atlanta Braves from May 2015 to April 2016.   Mr. Stady was a college student from August 2009 to December 2013.

Mr. Stady  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

Patricia Stallworth
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: May 28, 2021
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Patricia Stallworth was born in 1947. Ms. Stallworth graduated from the University of Kentucky in 1986 with an MBA in Finance. She also graduated from Wayne State University in 1968 with a Bachelor of Science degree in Education. Ms. Stallworth is a registered Investment Adviser Representative and Planner at Facet Wealth Inc. and started May 2021.  Ms. Stallworth was a Financial Consultant at eWorth Advisors from February 2021 to May 2021 and a Consultant at PS Worth from January 2006 to February 2021.

Ms. Stallworth 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.

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: 09/25/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd 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. Joseph is an Investment Adviser Representative and Lead Planner of Facet Wealth, Inc. and started September 2020. Joseph 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
100 International Drive, 23rd 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

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

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

Item 2: Education Background and Business Experience

Matthew Alan Stratton was born in 1978 and graduated from the University of North Carolina Greensboro in 2003 with a Bachelor of Science degree in Accounting. Mr. Stratton is an Investment Adviser Representative and Planner at Facet Wealth Inc. and started October 2021. Mr. Stratton was a Financial Advisor at Raymond James from October 2018 to September 2021 and a Financial Advisor at Northwestern Mutual from May 2003 to October 2018.

Mr. Stratton 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

Nicholas Sullivan
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 12/10/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd Floor
Baltimore, Maryland 21202

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

Item 2: Education Background and Business Experience

Nicholas Timothy Sullivan was born in 1988. Mr. Sullivan graduated from Penn State University in 2010 with Bachelor’s of Science Finance. Mr. Sullivan is an Investment Adviser Representative at Facet Wealth Inc. and started November 2020. Mr. Sullivan was a Wealth Manager at PrairieView Partners, LLC from December 2016 – August 2020, he was an Investment Advisor Representative at All Star Financial from December 2015 – November 2016, he was a Registered Representative at The Vanguard Marketing Corporation from January 2015 – November 2015, he was an Investment Advisor Representative at Vanguard Advisers Inc. from August 2014 – November 2015, he was unemployed from June 2012 – January 2013, he was a FLDP Participant at Siemens Healthcare from January 2012 – June 2012, he was a FLDP Participant at Siemens Healthcare from July 2011 – January 2012. Mr. Sullivan was a Sales Associate at Penn State Student Book Store from December 2010 – June 2011.

Mr. Sullivan has been a CERTIFIED FINANCIAL PLANNER™ since 2016. 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.

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

Filip Telibasa
Facet Wealth, Inc.
ADV Part 2B, Brochure Supplement
Dated: 11/23/2020
Contact: Christopher Hufman, Chief Compliance Officer
100 International Drive, 23rd 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). Filip is an Investment Adviser Representative and Lead Planner at Facet Wealth, Inc. and started November 2020. From November 2018 to November 2020, Filip 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 (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

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

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

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

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

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

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

Item 3: Disciplinary Information

None

Item 4: Other Business Activities

None

Item 5: Additional Compensation

None

Item 6: Supervision

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

Item 1: Cover Page

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

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

Item 2: Education Background and Business Experience

Samuel Terminello was born in 1992. Mr. Terminello graduated from Sonoma State University in 2015 with a Bachelor of Science degree in Business Administration. Mr. Terminello is an Investment Adviser Representative and Planner at Facet Wealth Inc. and started September 2021. Mr. Terminello was a Financial Planner at Vanguard from January 2018 to September 2021, a Mobile Associate at T Mobile from September 2017 to December 2017, a Benefits Sales Representatives at MPAY from November 2016 to A