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Kevin F Bultman, CFP®, CLU®, ChFC®, RHU®, AIF®

The Tenet Financial Group
1301 York Rd Ste 303
Lutherville, MD 21093
Office: 410-769-0200

Professional Approach

Kevin has more than 30 years of experience in providing retirement planning services to clients and the local community. His philosophy is to work with honesty and integrity every day, offer exceptional client service and build lifelong relationships with his clients. He pays close attention to each client’s specific situation, listening to their needs, working closely with them, and making it his goal to create an exceptional experience.

The complexity of retirement planning processes makes it more important than ever to have a balanced approach to planning guided by expert counsel and experience. Kevin uses a goal-based planning approach that allows him to create a highly personalized retirement plan to meet his clients' needs, help reduce risks and provide greater opportunities.

The Tenet Financial Group was founded in 2006 as a full-service retirement planning firm built on a foundation of trust and respect. It has remained on the forefront, taking the complication out of the retirement planning and providing simplicity through a process called design, build and protect. The Tenet Financial Group has a tradition of excellence that has helped establish and maintain its good name in the community. 

This award was issued on 1/1/20 by Five Star Professional (FSP) for the time period 04/1/2019 through 11/13/2019. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 1898 Baltimore-area wealth managers were considered for the award; 234 (12% of candidates) were named 2020 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2019: 1865, 265, 14%, 1/1/19, 4/19/18 - 11/7/18; 2018: 1759, 232, 13%, 1/1/18, 4/21/17 - 11/6/17; 2017: 1093, 355, 32%, 12/1/16, 3/26/16 - 11/11/16; 2016: 1215, 356, 29%, 12/1/15, 6/16/15 - 11/9/15; 2015: 1749, 412, 24%, 1/1/15, 6/16/14 - 11/9/14; 2014: 1484, 395, 27%, 1/1/14, 6/16/13 - 11/9/13; 2013: 1490, 448, 30%, 1/1/13, 6/16/12 - 11/9/12; 2012: 1470, 262, 18%, 1/1/12, 6/16/11 - 11/9/11.
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Securities and Investment Advisory Services Offered Through H.Beck, Inc., Member FINRA, SIPC. 6600 2440 Research Blvd. Suite 500, Rockville, MD  20850. The Tenet Financial Group and H.Beck, Inc. are not affiliated. Registered to sell securities in the states of Maryland, Georgia, Delaware, Pennsylvania, and Florida. This is not an offer or solicitation in any other state.

*Winners appearing on this page do not pay a fee to be considered or to win the Five Star Award. Professionals with a digital profile have paid a promotional fee.
Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria-required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria-considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance . Wealth Managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit