Facet Wealth appoints Tom Graff as Chief Investment Officer


BALTIMORE–(BUSINESS WIRE)–Facet Wealth, a financial technology company offering unbiased, personalized advice that integrates into all facets of life at an affordable flat rate, today announced the appointment of macroeconomics and market expert Tom Graff, CFA, as Chief Investment Officer. Graff will oversee the creation and maintenance of Facet’s proprietary investment models, which complement the personalized financial advice each client receives. Facet’s mission is to democratize access to investment options that only the wealthiest investors could traditionally acquire.

Graff brings more than 23 years of experience to the role, having worked most recently as Head of Fixed Income at Brown Advisory, where he oversaw approximately $7 billion in assets as well as key securities strategies at fixed income and business mortgages. He was named Impact Manager of the Year in 2021. Previously, he oversaw all taxable fixed income trading as Managing Director/Portfolio Manager at Cavanaugh Capital Management.

“Facet is leveling the playing field by breaking down barriers to access for millions of Americans who need financial advice the most, and I look forward to playing a part in disrupting the traditional model,” Graff said. “Our consumer-centric focus means we serve our clients at all stages of their financial lives, providing access to investment advice and options that are typically only available to those who have accumulated wealth. .”

Graff has appeared on numerous financial TV channels and major media outlets, including Bloomberg and CNBC, sharing his expert commentary on macroeconomics and markets, and has been quoted extensively in the media, including The Wall Street Journal, Barron’s and TheStreet.

“Tom understands that today’s dominant industry incentive model of charging fees on assets is inherently misaligned with people’s financial goals and needs to change,” said Anders Jones, CEO and co-founder of Facet . “He has extensive experience across all asset classes, a deep understanding of the markets and, most importantly, believes in our mission to empower people to live better lives. Facet offers a new standard of fiduciary advice where personalized financial planning is just as important as growing your assets.

Facet recently surpassed $1 billion in assets under management (AUM), but unlike many players in the industry, it does not charge its clients fees on these assets. His technology-driven approach is tailored to each client’s unique situation. Instead of charging a percentage based on the amount you invest, clients pay a simple flat commission based on their needs. Facet matches each of its clients with a dedicated, top-tier, CERTIFIED FINANCIAL PLANNER™ professional to work with virtually, one-on-one. And since all Facet planners are bound by fiduciary standards, they must legally act in the best interests of their clients. No commissions, no agendas – just unbiased financial advice to help people get the most out of their money.

Facet is not only revolutionizing financial planning, but the company is also changing the way “success” is measured in the industry. The financial services industry focuses solely on AUM, which does not fully represent a person’s full financial picture, such as their credit score or how well they have managed to save for a family. To properly calculate and assess this, Facet created Total Financial Life Resources (TFLR), which takes into account a client’s portfolio, but also focuses on metrics such as home equity, amount of debt which he repaid, etc. Facet began tracking Total Financial Resources (TFLR) metrics at the start of the fourth quarter of 2021 and clients have made over $13 billion in TFLR through its guidance.

To learn more about Facet’s unique human and technological approach to financial planning, schedule a free consultation with one of their experts today: facetwealth.com/get-started.


Facet Wealth was founded in 2016 on the belief that unbiased, personalized financial advice is essential to living well. Redefining what financial planning means, Facet’s mission is to empower people to live more enriched lives by providing a new standard of guidance. With no minimum assets, Facet’s planning goes far beyond an individual or family’s investments by focusing on advice that addresses all of the impacts money has on their life. This made Facet a finalist in the Industry Disruptor category for the 2022 WealthManagement Industry Awards.

Its technology-driven approach is personalized to each client’s needs, pairing people with their very own CERTIFIED FINANCIAL PLANNER™, a trustee who meets with them 1:1 to integrate personalized financial advice into their entire lives – all one-to-one. affordable subscription price. The Facet community of over 100 VTCs offers traditionally overlooked households the power of choice and freedom from financial worries. In recognition of its innovative approach and high-quality customer experience, Facet Wealth was named “Best Online Financial Planning Service” by NerdWallet in 2020. Additionally, Facet was named one of the Top 50 Workplaces in Fintech by Financial Planning in 2022.

To date, Facet Wealth has raised over $165 million in funding from Durable Capital Partners LP, Warburg Pincus, Slow Ventures, Telesoft Partners, Green Cow Venture Capital and others.

Facet Wealth is an SEC-registered national investment adviser (RIA). For more information, go to facetwealth.com and connect with them on TwitterLinkedIn, Instagram and Facebook.


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