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Brian Kuhn  - Financial Advisor in Fulton, Maryland for Planning Solutions Group, LLC

Paladin Research Report For:

Brian Kuhn

Planning Solutions Group, LLC

Brian Kuhn, a financial fiduciary, has been a Paladin Registry member since 2014. Brian holds Certified Financial Planner , Certified in Long-Term Care , Chartered Life Underwriter certifications. Brian has over 17 years of experience. Brian provides financial services to clients in the Fulton, Maryland area.

I. Snapshot

Part I provides a quick summary of this advisor’s credentials, ethical history, and business practices. See additional descriptive information in Parts IV through VIII of this research report.

A. Registry Member
  • Since 2014
B. Years of Experience
  • 17
C. College Degrees
  • Towson University - B.S. Business Administration
D. Certifications
  • CFP® , CLTC , CLU®
E. Financial Fiduciary
  • Yes
F. Business Philosophy
  • I provide comprehensive financial planning exclusively to those who do NOT feel wealthy.

G. Asset Requirement

II. Contact Information

Part II provides general contact information

A. Key Contact
  • Brian Kuhn
B. Main Location
  • 8161 Maple Lawn Blvd
    Suite 400
    Fulton, Maryland, 20759
C. Telephone
  • 301-543-6035
D. Comments
  • Brian Kuhn is CERTIFIED FINANCIAL PLANNER™ (CFP®) with Planning Solutions Group in Fulton MD and has been working with households since 2002. He works with families and individuals to outline their financial strategy, project their retirement readiness, assist with investment choices, layout a budget and savings plan, minimize risk, and make important life decisions. Specifically, his clients are “exclusively those who do NOT feel wealthy”, a tag line for his business model demonstrating that all income and asset levels are welcome. He is the author of “Total Compensation: A Practical Guide to Federal Employee Benefits”. In 2015 he released “The Personal Finance Handbook, a Guide to the Most Common Personal Finance Questions” both of which are available on Amazon.com & Kindle. He has contributed articles or been quoted on personal finance by the WSJ, USNews.com, Yahoo Finance, Credit.com, HuffingtonPost, & Fedsmith.com, among others. He has appeared in financial planning news articles at What’s Up Annapolis magazine, Taste of the Bay magazine, The Severna Park Voice, on various business radio shows, as well as on ABC News TV Affiliate WMAR in Baltimore. He is the host of the monthly TV show “Your Future Your Finances” which airs on LaurelTV in Laurel MD and on YouTube. Brian currently serves as a board member for the Maryland Financial Planning Association. He is also a member of the Howard County Estate Planning Council. Through involvement in a variety of organizations he regularly speaks in the Maryland area on personal finance. He is a Chartered Life Underwriter (CLU®), & Certified in Long Term Care (CLTC). He holds his FINRA Series 7, & 66 registrations. Brian graduated from Towson University with a B.S. in Business Administration & a minor in English. He lives with his wife Merin & their daughters Charlotte & Caroline in Odenton, MD. 8161 Maple Lawn Blvd, Suite 400, Fulton, MD 20759 • Phone 301.543.6035 • Bkuhn@PSGClarity.com Securities offered through Triad Advisors, LLC, Member FINRA / SIPC. Advisory Services offered through Planning Solutions Group, LLC. Planning Solutions Group, LLC is not affiliated with Triad Advisors, LLC. PSG Clarity is a division of Planning Solutions Group, LLC

III. Internet

You should use the Internet to conduct your own online research for advisors before you select them:

  • Visit firm websites
  • Google search names (advisors, firms, owners of firms)
  • Check advisor compliance records at FINRA.org
  • View firm ADVs at SEC.gov
  • View social connections
  • Read articles that have been written by this advisor or firm
Tip: The information on the Internet is easy to access, you retain your anonymity while you conduct your research, and you will find information that helps you make the right decisions.

A. Visit Website
B. Social Connections
C. View Blog

IV. Firm(s)

This part of the research report contains important information that describes an advisor’s relationship to various financial firms.

RIA (Registered Investment Advisor): This type of firm registration permits the advisor to provide financial advice and services for fees.

Broker/Dealer: This type of firm licenses representatives who sell financial products for commissions.

Relationship: The advisor may be an owner, employee, partner, or independent contractor.

Tip: Make sure you know who owns the advisor’s RIA and Broker/Dealer (if applicable). The firm may look independent, but it may be owned by a bank or insurance company. Google the name of the owner to make sure there is no history of financial fraud, misrepresentation, or omission.

A. Name of Firm
  • Planning Solutions Group, LLC
B. Name of RIA
  • Planning Solutions Group, LLC
C. Name(s) of Custodian(s)
  • TD Ameritrade

V. Credentials

You want a real expert with documented credentials helping you plan your financial future and invest your assets in the securities markets.

Real experts have valid, documented credentials that include degrees, experience, and high quality certifications.

Experience: Years of experience is the best way for advisors to become real financial experts.

Education: Degrees should be from accredited institutions. Use the Internet to research schools you may not have heard of. Some advisors buy degrees to appear more knowledgeable than they really are.

Certifications: Also called designations, certifications are the best way for advisors to acquire specialized knowledge in shorter time periods. Some certifications are extremely valuable (CFA, CFP, CIMA, CPA). 35% of certifications are fake (Source: Paladin Research).

Associations: Membership in quality associations can also be a source of specialized knowledge if the organizations have continuing education requirements.

Firm Credentials: Some advisors represent firms that employ or license multiple professionals. Some of these professionals may impact your financial results.

Tip: Real experts have good educations, years of experience, and high quality certifications and designations.

A. Years of Financial Experience
  • 17 Years
B. College, Degrees, Years
  • Towson University - B.S. Business Administration
D. Financial Industry Associations (Active Memberships)
  • Financial Planning Association
  • Estate Planning Council

VI. Registration, Licensing,
Compliance

You want a real financial expert. You also want an expert you can trust.

Registration: Only Registered Investment Advisors (firms) and Investment Advisor Representatives (professionals) can provide financial advice and ongoing services for fees.

Type of Registration: RIAs with less than $100 million of assets register with your state’s Securities Commissioner. RIAs with more than $100 million of assets register with the Securities and Exchange Commission.

Industry Licenses: These licenses permit advisors to sell investment and insurance products for commissions.

Registration & License Numbers: Use the advisor and firm’s registration and license numbers to check compliance records at: FINRA.org, SEC.gov, your State’s Securities Commissioner, and your State’s Insurance Commissioner.

State Licensing: Make sure the advisor is licensed to sell investment and insurance products in your state. Make sure the advisor is properly licensed before you buy.

Financial Fiduciary: RIAs and IARs are fiduciaries who are held to the highest ethical standards in the financial service industry. Salesmen are held to lower ethical standards that do not require them to put your financial interests first.

Compliance Record (Investment): Does an advisor or firm have disclosures on compliance records that are maintained by FINRA.org, SEC.gov, or your state’s Securities Commissioner?

Compliance Record (Insurance): Does an advisor or firm have disclosures on compliance records that are maintained by your state’s Insurance Commissioner?

Criminal Disclosures: It may be hard to believe, but convicted felons can obtain securities licenses if their crimes were not securities related.

Additional Disclosures: Advisors and firms have the option of providing additional disclosures that are published on their Paladin Research Reports.

ADVs: RIAs file ADVs with the Securities and Exchange Commission. These documents provide valuable information about advisory firms.

Links: Click on these links to view additional information about advisors and firms on third party websites.

A. RIA/IAR Registration
  • RIA and IAR
B. Type of RIA Registration
  • SEC
C. Registration & License Numbers
  • CRD: 4474832
  • IARD:
  • Insurance: 000188569
D. State Licences
  • Financial Advice, Services for Fees: All 50 States
  • Investment Products for Commission: See List
    • District of Columbia
    • Maryland
    • Virginia
  • Insurance Products for Commission: See List
    • District of Columbia
    • Maryland
    • Virginia
E. Compliance Record (Investment)
F. Compliance Record (Insurance)
G. Additional Disclosure(s)
  • Securities offered through Triad Advisors LLC, Member FINRA / SIPC. Advisory Services offered through Planning Solutions Group, LLC. Planning Solutions Group, LLC is not affiliated with Triad Advisors, LLC. PSG Clarity is a division of Planning Solutions Group, LLC.
H. View our ADV(s)
  • Available Upon Request
I. Links

VII. Business Data & Practices

Part VII describes the advisor’s business and practices. How does the advisor’s business practices compare to other professionals you are considering?

Business Philosophy: Every advisor has a business philosophy. This makes philosophy a differentiating characteristic. Compare philosophies and select the one that has the highest probability of helping you achieve your financial goals.

Minimum Asset Requirement: A high percentage of financial advisors have minimum asset requirements for new clients. Advisors with bigger practices tend to have higher minimums. Advisors with smaller practices tend to have lower minimums. Some advisors will work with anyone who would benefit from their services.

Number of Current Clients: An indicator for the scope of an advisor or firm’s current business.

Assets Under Management or Advisement: An indicator for the scope of an advisor or firm’s current business.

Method(s) of Compensation: A critical variable when you select a financial advisor. Real advisors are compensated with fees. Salesmen are compensated with commissions. Some professionals receive both types of compensation.

Methods of Communication: Traditional advisors will meet face-to-face in your location or their offices. Virtual advisors communicate via email, telephone, or Skype. All Robo advisor communications are online.

Types of Reports: Performance reports are the most important type of documentation. You may also want brokerage statements, market environment reports, and newsletters.

Second Language: It may be important to you that your advisor speaks a second language.

Value Statement: This statement may describe how this advisor or firm produces value that offsets expenses that are deducted from your accounts. The statement may also describe differentiating characteristics.

Tip: Select an advisor or firm that has an investor-friendly business model and practices.

A. Business Philosophy
  • I provide comprehensive financial planning exclusively to those who do NOT feel wealthy.

B. Minimum Asset Requirement
C. Number of Current Clients
  • Available Upon Request
D. Assets (Management, Advisement)
  • Available Upon Request
E. Second Language(s)
F. Value Statement
  • I provide service to prospective and existing clients without bearing to their level of wealth. All households deserve respect and are treated equally.

VIII. Clients & Services

Part VIII provides information about this advisor or firm’s clientele and services.

Types of Clients: Describes the types of clients this advisor or firm works with. You should ask for a breakdown of clients to make sure the advisor works with a lot of clients like you.

Types of Services: Describes the types of services that are provided by this advisor or firm. Make sure the advisor provides the services that you are seeking.

Discretionary Asset Management: Some advisors and firms make investment decisions for clients without the clients’ approval in advance.

Limited Engagement Services: Some advisors provide limited engagement services that do not require assets.

Custodian(s): Financial advisors are not allowed to come in contact with your assets. They use the services of third party or firm custodians to hold your assets for you. Make sure the advisor uses the services of a brand name custodian or a custodian with a long history of providing services to investors with billions of dollars of assets.

Tip: There are five types of financial advice and services: Planning, Investment, Insurance, Tax, and Legal (wills, trusts).

A. Types of Clients
  • Individuals & Couples (Working)
  • Individuals & Couples (Retired)
B. Types of Financial Services
  • Financial Planning
  • Investment Advice & Management
  • Insurance Products & Annuities
  • Legal Advice and Services
  • Investment Advice & Management
C. Discretionary Asset Management
  • Discretionary and Non-Discretionary
D. Limited Engagement Services
  • Planning Only
  • Financial Plan Reviews
  • Investment Portfolio Reviews
  • College Planning

IX. Certification

Certification: Advisors certify the data in this research report are complete and accurate. Check Most Recent Update to determine the last time this advisor or firm updated this report.

Advisor Name
  • Brian Kuhn
Most Recent Update:
  • Feb 11, 2019

BASIC INFORMATION NEEDED FOR THE INQUIRY

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