^FAQ
Questions? I've Got Answers.

1. What type of clients do you typically work with?

We work with individuals, families, and small business owners at different stages of life. Whether you're building wealth, planning for retirement, transitioning into retirement, or managing your financial resources, we take the time to understand your goals and develop recommendations based on your unique circumstances.

2. How do I know if I need a financial advisor?

Many people choose to work with a financial professional when they have questions about their financial situation, are planning for retirement, experiencing a major life change, or simply want a more organized approach to their finances. A financial advisor can help you evaluate your current financial picture, identify opportunities and potential risks, and develop a plan based on your individual goals and circumstances.

3. What should I expect during our first meeting?

Our first meeting is an opportunity for us to get to know one another. We'll discuss your current financial situation, your goals, your priorities, and any questions or concerns you may have. We'll also talk about the services I provide and my planning process so you can determine whether our approach is a good fit for your needs. There is no obligation to move forward.

4. How do you charge for your services?

We offer three primary ways to work together: comprehensive financial planning and investment management, investment management only, and advice-only. Our ongoing investment relationships use an asset-based fee that decreases at certain asset levels, while advice-only engagements use a flat fee for an initial number of hours with additional time available at an hourly rate. We'll explain the services and applicable fees before you decide to move forward.

5. What is your investment philosophy?

Our approach is centered on understanding your overall financial picture before making recommendations. Rather than focusing on a single investment or financial product, we take a comprehensive approach that considers your goals, priorities, risk tolerance, time horizon, tax considerations, retirement planning, estate planning, and other factors that may affect your financial future. As your life and circumstances change, we'll review your plan and make adjustments as appropriate.

6. How often will we meet or communicate?

The frequency of our meetings depends on your needs, preferences, and the services you select. We typically schedule periodic reviews to discuss your financial plan, investment portfolio (if applicable), and any changes in your goals or circumstances. If questions or significant life events arise between scheduled meetings, you are welcome to contact us.

7. Will you be my only point of contact?

At The Tenet Financial Group, we believe in providing personalized service backed by a team approach. Kevin serves as your primary point of contact and remains actively involved in your financial planning and ongoing relationship. Other members of our team may assist with administrative support or specialized services to help ensure you receive responsive, high-quality service.

8. Can you help with retirement planning even if I'm still early in my career?

Yes. Retirement planning isn't just about the years after you stop working—it's about making financial decisions throughout your life that support your long-term goals. Whether you're early in your career, growing your family, building a business, or preparing for retirement, we'll develop a financial plan that evolves as your needs and priorities change.

9. What makes you different from other financial advisors?

What makes our approach different is the emphasis we place on understanding the person behind the finances. We take the time to learn about your goals, priorities, and the decisions that are important to you before making recommendations.

Rather than focusing on a single area of your financial life, we take a comprehensive approach that considers how your investments, retirement planning, tax considerations, estate planning, and other financial decisions work together. We build long-term relationships with our clients and provide ongoing guidance as their needs and circumstances evolve.

10. Do you only work with people who have a lot of money?

No. We work with individuals, families, and business owners at different stages of life—from those who are building wealth to those preparing for or living in retirement. Depending on your needs, we offer different ways to work together, including financial planning and advice as well as ongoing investment management. Our first conversation is an opportunity to understand your situation and determine which approach, if any, may be appropriate for you.

11. Can you help me with tax-related strategies?

We do not prepare tax returns or provide tax advice as a CPA would, but tax considerations are an important part of comprehensive financial planning. We evaluate how financial decisions may affect your overall tax situation and collaborate with your tax professional when appropriate to help coordinate your planning strategies.

12. What happens if my financial situation changes?

Your financial plan is designed to evolve as your life changes. Major events such as a new career opportunity, marriage, growing your family, business changes, retirement, or unexpected circumstances can all impact your financial decisions. We will work with you to review your plan, evaluate your options, and make adjustments when appropriate to help ensure it continues to reflect your goals and priorities.

13. How do you stay current with changes in the financial industry?

Staying current is an important part of our commitment to serving clients. We participate in continuing education, follow industry developments, and stay informed about regulatory changes, financial planning topics, and investment considerations that may affect our clients. We believe informed guidance begins with a commitment to ongoing learning and professional development.

14. Is my personal and financial information kept confidential?

We understand the importance of protecting your personal and financial information. Maintaining confidentiality and safeguarding client information are fundamental parts of our responsibility. We follow established privacy policies and procedures and only share information as permitted or required by law, necessary to provide services, or with your authorization.

15. How do I get started?

The first step is a conversation. Reach out to schedule an introductory meeting where we can learn more about your financial situation, goals, and priorities. We’ll explain how we work, answer your questions, and discuss whether our approach aligns with what you are looking for. There is no obligation to move forward — it’s simply an opportunity to learn more about each other.

16. Where is The Tenet Financial Group located, and who do you serve?

The Tenet Financial Group is based in Lutherville, Maryland. We work with individuals, families, and business owners in the surrounding area and beyond, helping clients with financial planning, retirement planning, investment management, and important financial decisions throughout different stages of life.