Kevin F Bultman CLU®, CHFC®, RHU®, CFP®, AIF®
When I graduated from Loyola University in Baltimore in 1988 with a BBA in Finance, I couldn't have imagined where the journey would lead. The financial markets were recovering from a major correction, the savings and loan crisis was making headlines, and jobs in the financial industry were difficult to find. Like many young graduates, I simply wanted the opportunity to build a career, help people, and make a difference.
With little more than enthusiasm, determination, and about $100 in my pocket, I began my career with John Hancock Financial Services. It was a different time. Much of my business was conducted around the kitchen table in a client's home. Paper maps helped me navigate from one appointment to the next, office computers were still a novelty, and cell phones were anything but portable.
Those early years taught me one of the most valuable lessons of my career: financial planning is about people first. Long before discussing investments or insurance, I learned the importance of listening, understanding a family's goals, and earning their trust. During that time, I furthered my education by earning the Chartered Life Underwriter (CLU®), Chartered Financial Consultant (ChFC®), and Registered Health Underwriter (RHU®) designations.
As my career progressed, I spent several years working with two insurance companies, where I gained valuable experience serving business owners and high-net-worth individuals. While those years broadened my knowledge of the industry, they also helped me discover something even more important. I realized I wanted to advise clients—not sell products. I wanted the freedom to provide objective guidance based on what was in a client's best interest, not what a company wanted me to offer.
That realization ultimately led me to establish Tenet Financial Group in 2006.
From the very beginning, my vision for the firm was simple: build a practice centered on relationships, trust, and independent advice. Over the years, that vision evolved into what has become the foundation of our firm—Health • Wealth • Living.
Why those three words? Because after working with individuals and families for nearly four decades, I've come to believe they're inseparable. Financial success means little if poor health prevents you from enjoying it. Likewise, good health alone doesn't eliminate the stress that financial uncertainty can create. My goal has always been to help clients make informed financial decisions that give them the confidence to enjoy life—not spend it worrying about money.
As my practice grew, so did my commitment to professional excellence. I earned the Certified Financial Planner™ (CFP®) certification and Accredited Investment Fiduciary® (AIF®) designation, while also building a network of professionals—including attorneys, accountants, and insurance specialists—to provide clients with well-rounded guidance when needed. I believe financial planning works best when experienced professionals collaborate in the client's best interest.
Looking back, I'm grateful for the relationships I've built and the opportunity to walk alongside clients through many of life's most important milestones. I've celebrated retirements, watched families grow, helped clients navigate unexpected challenges, and seen firsthand the confidence that comes from having a thoughtful plan in place
If there's one lesson my journey has taught me, it's that life rarely follows a straight path. Opportunities arise, challenges appear, and priorities change. Through it all, my commitment has remained the same: to provide honest advice, thoughtful guidance, and long-term relationships built on trust.
I look forward to learning your story and helping you make informed financial decisions that support the life you want to live.
Professional designations held:
- Chartered Life Underwriter (CLU®)
- Chartered Financial Consultant (ChFC®)
- Registered Health Underwriter (RHU®)
- Certified Financial Planner Professional® (CFP®)
- Accredited Investment Fiduciary - (AIF®)
Kevin is a Financial Advisor of LPL Financial. He holds his securities registrations of FINRA Series 24, FINRA Series 7 and NASAA 63.
- Series 24 = General Securities Principal
- Series 7 = General Securities Registered Representative
- Series 63 = Uniform Securities Agent State Law License