# EDGAR Filing Document

**Accession Number:** 0001748271
**File Stem:** 0001748271-23-000001
**Filing Date:** 2023-2
**Character Count:** 10693
**Document Hash:** 9a6b3076e9997091478b623a0a430ef0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001748271-23-000001.hdr.sgml**: 20230214

**ACCESSION NUMBER**: 0001748271-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230214

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230214

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Facet Wealth, Inc.
- **CENTRAL INDEX KEY:** 0001748271
- **IRS NUMBER:** 813453207
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21141
- **FILM NUMBER:** 23620707

**BUSINESS ADDRESS:**
- **STREET 1:** 100 INTERNATIONAL DRIVE, 23RD FLOOR
- **CITY:** BALTIMORE
- **STATE:** MD
- **ZIP:** 21202
- **BUSINESS PHONE:** 410-657-3257

**MAIL ADDRESS:**
- **STREET 1:** 100 INTERNATIONAL DRIVE, 23RD FLOOR
- **CITY:** BALTIMORE
- **STATE:** MD
- **ZIP:** 21202

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** OneK Financial, Inc.
- **DATE OF NAME CHANGE:** 20180726

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Facet Wealth Inc.<br>**Address:** 100 INTERNATIONAL DRIVE 23RD FLOOR<br>BALTIMORE, MD 21202

**Form 13F File Number:** 028-21141

**CRD Number (if applicable):** 000285961

**SEC File Number (if applicable):** 801-108767

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Chris Hufman<br>**Title:** CCO<br>**Phone:** 7193214378

**Signature, Place, and Date of Signing:**

Chris Hufman  Baltimore, MD  02-13-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 67

**Form 13F Information Table Value Total:** $1573625216

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBVIE INC | COM | 00287Y109 |  | 252866 | 1663 | SH |  | SOLE | 0 | 0 | 0 | 1663 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 301560 | 3179 | SH |  | SOLE | 0 | 0 | 0 | 3179 |
| AMAZON COM INC | COM | 023135106 |  | 3292927 | 33736 | SH |  | SOLE | 0 | 0 | 0 | 33736 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 2777533 | 33922 | SH |  | SOLE | 0 | 0 | 0 | 33922 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 4573651 | 62799 | SH |  | SOLE | 0 | 0 | 0 | 62799 |
| APPLE INC | COM | 037833100 |  | 15859909 | 105026 | SH |  | SOLE | 0 | 0 | 0 | 105026 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 425789 | 1374 | SH |  | SOLE | 0 | 0 | 0 | 1374 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 472250 | 1 | SH |  | SOLE | 0 | 0 | 0 | 1 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 262003 | 5420 | SH |  | SOLE | 0 | 0 | 0 | 5420 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 758081 | 15692 | SH |  | SOLE | 0 | 0 | 0 | 15692 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 499918 | 4195 | SH |  | SOLE | 0 | 0 | 0 | 4195 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 339821 | 1134 | SH |  | SOLE | 0 | 0 | 0 | 1134 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 15622673 | 315164 | SH |  | SOLE | 0 | 0 | 0 | 315164 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 308786 | 2980 | SH |  | SOLE | 0 | 0 | 0 | 2980 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 49487365 | 569278 | SH |  | SOLE | 0 | 0 | 0 | 569278 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 437081 | 1850 | SH |  | SOLE | 0 | 0 | 0 | 1850 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 48137774 | 446713 | SH |  | SOLE | 0 | 0 | 0 | 446713 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 2083765 | 29419 | SH |  | SOLE | 0 | 0 | 0 | 29419 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 41634533 | 275890 | SH |  | SOLE | 0 | 0 | 0 | 275890 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 176764709 | 1444510 | SH |  | SOLE | 0 | 0 | 0 | 1444510 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 96983742 | 905121 | SH |  | SOLE | 0 | 0 | 0 | 905121 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 20894647 | 212301 | SH |  | SOLE | 0 | 0 | 0 | 212301 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 4439080 | 49110 | SH |  | SOLE | 0 | 0 | 0 | 49110 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 35118611 | 386258 | SH |  | SOLE | 0 | 0 | 0 | 386258 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 214845 | 3443 | SH |  | SOLE | 0 | 0 | 0 | 3443 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 39066574 | 590040 | SH |  | SOLE | 0 | 0 | 0 | 590040 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 281282 | 1478 | SH |  | SOLE | 0 | 0 | 0 | 1478 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 353923 | 1345 | SH |  | SOLE | 0 | 0 | 0 | 1345 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2137589 | 5214 | SH |  | SOLE | 0 | 0 | 0 | 5214 |
| LILLY ELI  CO | COM | 532457108 |  | 743481 | 2154 | SH |  | SOLE | 0 | 0 | 0 | 2154 |
| MICROSOFT CORP | COM | 594918104 |  | 976278 | 3711 | SH |  | SOLE | 0 | 0 | 0 | 3711 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 380363 | 1789 | SH |  | SOLE | 0 | 0 | 0 | 1789 |
| ORACLE CORP | COM | 68389X105 |  | 228340 | 2620 | SH |  | SOLE | 0 | 0 | 0 | 2620 |
| R1 RCM INC | COM | 77634L105 |  | 142657 | 10459 | SH |  | SOLE | 0 | 0 | 0 | 10459 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 550792 | 12386 | SH |  | SOLE | 0 | 0 | 0 | 12386 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 926514 | 26693 | SH |  | SOLE | 0 | 0 | 0 | 26693 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 |  | 231173 | 4093 | SH |  | SOLE | 0 | 0 | 0 | 4093 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 355726 | 5745 | SH |  | SOLE | 0 | 0 | 0 | 5745 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 1167072 | 24299 | SH |  | SOLE | 0 | 0 | 0 | 24299 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 722285 | 14957 | SH |  | SOLE | 0 | 0 | 0 | 14957 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 2416245 | 69733 | SH |  | SOLE | 0 | 0 | 0 | 69733 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 6845334 | 213650 | SH |  | SOLE | 0 | 0 | 0 | 213650 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1775935 | 4352 | SH |  | SOLE | 0 | 0 | 0 | 4352 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 659245 | 7951 | SH |  | SOLE | 0 | 0 | 0 | 7951 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 1466673 | 35324 | SH |  | SOLE | 0 | 0 | 0 | 35324 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 5055273 | 99986 | SH |  | SOLE | 0 | 0 | 0 | 99986 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 1897753 | 39561 | SH |  | SOLE | 0 | 0 | 0 | 39561 |
| TESLA INC | COM | 88160R101 |  | 477725 | 2426 | SH |  | SOLE | 0 | 0 | 0 | 2426 |
| TWILIO INC | CL A | 90138F102 |  | 494857 | 8238 | SH |  | SOLE | 0 | 0 | 0 | 8238 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 236861 | 479 | SH |  | SOLE | 0 | 0 | 0 | 479 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 225295254 | 3091742 | SH |  | SOLE | 0 | 0 | 0 | 3091742 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 254017511 | 1239049 | SH |  | SOLE | 0 | 0 | 0 | 1239049 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 1652367 | 11286 | SH |  | SOLE | 0 | 0 | 0 | 11286 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 622691 | 4332 | SH |  | SOLE | 0 | 0 | 0 | 4332 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 5058386 | 13488 | SH |  | SOLE | 0 | 0 | 0 | 13488 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 328381 | 1379 | SH |  | SOLE | 0 | 0 | 0 | 1379 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 175745130 | 1222575 | SH |  | SOLE | 0 | 0 | 0 | 1222575 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 561021 | 6236 | SH |  | SOLE | 0 | 0 | 0 | 6236 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 3438667 | 64130 | SH |  | SOLE | 0 | 0 | 0 | 64130 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 46670943 | 1136376 | SH |  | SOLE | 0 | 0 | 0 | 1136376 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 2858063 | 56663 | SH |  | SOLE | 0 | 0 | 0 | 56663 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 442013 | 2844 | SH |  | SOLE | 0 | 0 | 0 | 2844 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 326516 | 5902 | SH |  | SOLE | 0 | 0 | 0 | 5902 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 242044010 | 5353772 | SH |  | SOLE | 0 | 0 | 0 | 5353772 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 237088 | 2154 | SH |  | SOLE | 0 | 0 | 0 | 2154 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 14520790 | 203572 | SH |  | SOLE | 0 | 0 | 0 | 203572 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 8272516 | 157183 | SH |  | SOLE | 0 | 0 | 0 | 157183 |

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