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Brian KuhnCFP®

Thank you for visiting my profile. I look forward to meeting you. 301-543-6035 or BKuhn@PSGClarity.com

Fulton, MD
CFP®, PSG Clarity
Fee Structures: Asset-based, Commissions, Hourly
Typical minimum client assets: No preference

This describes how advisors are compensated for their work. Learn more in our Guide to Advisor Compensation
Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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2 out of 2 people Brian's answers helpful

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  • 1 out of 1 person found this answer helpful

    If I already have a Roth 401K, can I still open up a Roth IRA? If so, do you recommend that as the next best option to increase my retirement savings?

    Investing, 401(k), Roth IRA

    Yes you can subject to income limitations.  You should consult a tax advisor to double check but

    more »

    Yes you can subject to income limitations.  You should consult a tax advisor to double check but here is a link to the IRS explanation http://www.irs.gov/Retirement-Plans/Retirement-Plans-FAQs-on-Designated-Roth-Accounts#9.  As to whether it is the best option or not it would depend on your emergency reserve, job security, timeframe to retirement, likelihood of needing the assets back, whether you have debt at a high rate of interest, and even whether you are entitled to a pension.  So obviously a lot of factors.  The key though is as long as you are saving you are probably on the right track.  If you would like to talk further feel free to reach out. 


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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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  • 1 out of 1 person found this answer helpful

    I'm looking into bankruptcy to cover my debts. How do i know what chapter to file?

    Personal Finance, Debt

    You should seek legal counsel and a tax advisor.  This is a very big decision and quality human help

    more »

    You should seek legal counsel and a tax advisor.  This is a very big decision and quality human help can make a difference.  Reach out if you would like and I can direct you to national organizations for both types of professionals to find someone local to you.


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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 59 views
  • 0 out of 0 people found this answer helpful

    I'm 26 and I have about $5,000 in credit card debt. I'm looking for the best way to repay it. Should i consolidate or just keep paying more than the minimum on each card each month?

    Personal Finance, Debt

    That is great you are trying to eliminate your debt as fast as possible.  You can calculate exactly

    more »

    That is great you are trying to eliminate your debt as fast as possible.  You can calculate exactly how long it would take you to pay off the debt provided you have handy the current balance, what you are paying, and the interest rate.  There may be other credit cards you already own that are offering balance transfers to lower the rate.  Opening a new card to do so can affect your credit so I review your scores and history first.  You can do this using nationally available services.  Do you know what the interest rate?  Do you have any assets like CDs, stock certificates or savings bonds you have been meaning to cash in any way?  Good luck and feel free to reach out. 


    Was this a helpful answer?

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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  • 0 out of 0 people found this answer helpful

    I'm debating whether to hold my investments or cash some of them out for house and car repairs. My broker says I'm doing well -- should I just hold?

    Asset Allocation, Investing

    This depends on a variety of factors like what the investments are, whether you would have to go into

    more »

    This depends on a variety of factors like what the investments are, whether you would have to go into debt for the house and car repairs and what the interest rate would be if you did.  Also things like the cost basis of the investments you would be selling and whether they are held in qualified or non-qualified.  See a tax advisor too.  Do what is comfortable for you.  It can be emotionally draining to simultaneously incur debt to cover expenses while keeping money in the market that can be volatile in nature.  Good for you for seeking different perspectives.  Good luck and feel free to reach out.


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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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  • 0 out of 0 people found this answer helpful

    What do you need to do in order to get a checking account?

    Personal Finance

    Has a local bank turned you down for one?  Typically you can go into your choice of banks with funds

    more »

    Has a local bank turned you down for one?  Typically you can go into your choice of banks with funds to initially deposit and verify your identity.  And you will be up and running.


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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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  • 0 out of 0 people found this answer helpful

    I'm 23, I just graduated college debt-free. I don't have any kind of financial background and I don't even know basic information about taxes, budgeting, etc. I want to be financially independent, but I'm not sure where to start. What resources would you recommend to get me started?

    Personal Finance

    Congratulations on getting through college and even further on doing so without accumulating a lot of

    more »

    Congratulations on getting through college and even further on doing so without accumulating a lot of student loan debt. Assuming you are working or have an income I would say one of the first steps if you create a budget.  List out your net income, meaning what arrives in your paycheck, on one side and all of your regular bills on the other side.  Regular would mean consistent expenses like a car payment, insurance, rent and so on.  Is there any left over?  Is it enough to save some?  There are great national organizations out there to help people just like yourself get started with the basics of personal finance.  Good luck and reach out if you would like the names of them or have any questions.


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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 108 views
  • 0 out of 0 people found this answer helpful

    I have several student loans (about $26k total). Would it be a good idea to try to receive a personal loan (like a car loan) with a much lower interest rate to pay off the 6.8% loans? What are important considerations for this work-around way of refinancing? Thank you for your help!

    Paying for college, Personal Finance

    Typically a bank or credit union, who provide most car loans, will only provide the loan if they can

    more »

    Typically a bank or credit union, who provide most car loans, will only provide the loan if they can verify the existence of the car since this is your collateral should you not be able to make payments.  Have you tried contacting the provider of the student loans to see if they can lower the rate, refinance the loans, or extend the term?  Sometimes they will offer restructuring programs called graded repayments where the payment is lower at first but grows over time.  Perhaps your income will grow with it and you can manage those adjustments?  One example of a loan where you can obtain cash for use as you please is a home equity line of credit.  I am not and can not possibly recommend one of those to you in a forum like this but they do exist.  Feel free to reach out if you have questions.  See a tax advisor on different forms of debt and their tax consequences. 


    Was this a helpful answer?

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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  • 0 out of 0 people found this answer helpful

    24, single looking to invest $200 and not touch it for a long time (30+ yrs). Any recommendations?

    Investing

    Do you have an emergency reserve already?  Is your job secure?  Do you have disability insurance

    more »

    Do you have an emergency reserve already?  Is your job secure?  Do you have disability insurance should there be a health event?  A lot to consider before getting to the investment choice.  Feel free to reach out to discuss further.


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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 66 views
  • 0 out of 0 people found this answer helpful

    Hi, I am a single mom recently returning from work from a 2 year layoff and looking for ways to rebuild my credit. My credit score dropped from 670 to 520. What can I do to rebuild it?

    Personal Finance, Credit Scores

    Anything I can do for you I will try.  Single working parent is one of the hardest professions going. 

    more »

    Anything I can do for you I will try.  Single working parent is one of the hardest professions going.  There are national organizations that provide quality guidance on improving one’s credit.  It would be difficult to say exactly what to do without reviewing your circumstances.  Generally speaking maintaining a low or no balance compared to the limit you have on the card, and making your payments on time for an extended period are considered two universal steps.  Reviewing your 3 credit reports for inaccuracies and fixing any is another one.  Feel free to reach out if you would like.


    Was this a helpful answer?

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 44 views
  • 0 out of 0 people found this answer helpful

    Can I get financial help to pay for hearing aids? What kind of options are available?

    Personal Finance

    You can check with your insurance company and provider of the hearing aids to see what portion they would

    more »

    You can check with your insurance company and provider of the hearing aids to see what portion they would cover prior to purchasing them.  Do you have access to a health savings account?  See a tax advisor but hearing aids are an eligible expense from this type of account. Feel free to reach out if you have questions.


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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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Author Introduction to Total Compensation: A Practical Guide to Federal Employee Benefits

About

Brian serves as the manager of a division within Planning Solutions Group named PSG Clarity.  PSG Clarity is a unique planning team that focuses on affordable and efficient financial planning for hard working Americans who have been underserved by the investment management industry thus far.  Generally focusing on individuals under a certain threshold of investable assets, rather than above it, Brian and his team help everyday folks accomplish financial goals that have thus far proved difficult due to complexity, procrastination, or being overlooked by other planners.



With 13 years in the financial planning field, Brian focuses his practice in the areas of retirement planning, investments, and insurance protection, with a special interest in assisting public sector employees. He is the author of "Total Compensation: A Practical Guide to Federal Employee Benefits", has contributed articles to www.MarylandBankingBlog.com, and www.Fedsmith.com.  He has been quoted or appeared on financial planning news articles at www.Dailyfinance.com, www.thestreet.com and www.Foxbusiness.com, What’s Up Annapolis magazine, Taste of the Bay magazine, The Severna Park Voice, and on Michael Hodes Estate Planning radio show.



He is a CERTIFIED FINANCIAL PLANNER™(CFP®), Chartered Life Underwriter (CLU®), and Certified in Long Term Care (CLTC). He also holds his FINRA Series 7, and 66 registrations.  



Brian currently serves as a board member for the Baltimore chapter of the Society of Financial Service Professionals, is member of the Maryland Financial Planning Association and participates on their communications committee, and is on the marketing committee of the West County Chamber of Commerce. Through the FPA’s speaker’s bureau he spoke in 2014 on federal employee benefits to the organization’s members and also at the Library of Congress for federal employees. Recently he also participated in the Maryland FPA’s Money Power Day in Baltimore MD by offering pro bono one on one planning sessions.



His profile as a financial planner is featured at www.wiseradvisor.com, the CFP board’s www.letsmakeaplan.org site, and www.Brightscope.com.  He has been interviewed as a featured author at www.Businessinfoguide.com.



Brian graduated from Towson University with a B.S. in Business Administration and a minor in English.  He lives with his wife Merin and their daughters, Charlotte and Caroline in Odenton, MD.

Details

Contact Info
View contact info »
Email
bkuhn@psgclarity.com
Phone
301-543-6035
Web
I am available for web conferencing
Address
8161 Maple Lawn Blvd Suite 400
FultonMD 20759
Firm Website
Focus Areas
Personal Finance, Retirement, Insurance
Client Specializations
People near retirement, Public Employees, Young professionals
Education
B.S., Business Administration, Towson University
Registrations
Individual CRD #4474832
Regulatory Records
Please visit FINRA's website to review Brian's records
State Licenses
DC Insurance License #2855157
FL Insurance License #W158889
MD Insurance License #000188569
OH Insurance License #988453
PA Insurance License #698727
TX Insurance License #1703176
While designations are not everything when selecting a financial advisor, they often indicate a certain level of knowledge related to a specific field and/or commitment to certain ethical and professional standards. Please see our detailed Guide to Financial Advisor Designations for more information.
Designations
CFP®, CLTC, CLU

*Financial Advisor Disclaimer:

Securities offered through Triad Advisors, Member FINRA / SIPC.  Advisory Services offered through Planning Solutions Group, LLC.  Planning Solutions Group, LLC is not affiliated with Triad Advisors. PSG Clarity is a division of Planning Solutions Group, LLC.


My Events

  • SEP 27 SAT
    Alzheimers Walk
    10:30 AM - 12:30 PM
    10000 Maryland 108 , Ellicott City, MD
    Event details
  • OCT 18 SAT
    Local Author Panel in Odenton Maryland
    2:00 PM - 4:00 PM
    1325 Annapolis Road, Odenton, MD
    Event details
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